This tort case, brought in diversity, 1 arises out of a motorcycle accident near St. Louis, Missouri. The central issue is causation. Did an unmarked dropoff on a cloverleaf ramp cause the plaintiff-appel-lee, Kelly Adams, to lose control of his motorcycle and sustain severe injuries? Related questions also arise concerning the defendants’ duty to mark the dropoff, the size of the jury’s damage award, the conduct of the trial judge and plaintiff’s counsel during trial, and the relative liability of each defendant. We affirm the jury’s verdict for Adams.
*1020 I.
Facts
Kelly Adams worked as a forklift operator at the Anheuser-Busch Brewery in St. Louis, Missouri. On the night of July 13, 1983, he was traveling home to Columbia, Illinois, on his Yamaha motorcycle after completing a 4 p.m. to midnight shift at the Brewery. From work, Adams proceeded on a cloverleaf connector ramp leading from southbound Interstate 55 (“1-55”) onto eastbound Interstate 270 (“1-270”). As he left the connector ramp and entered the collector lane merging onto eastbound 1-270, he hit a bump and lost control of his motorcycle. Found in a ditch on the north side of the eastbound 1-270 collector lane lying among several sections of disassembled guardrail, Adams suffered fractures of his shoulder, distal tibia, pelvis, and lumbar spine, as well as a deep gouge in his left buttock.
Fred Weber, Inc. was the general contractor hired by the State of Missouri to improve ramps at the intersection of 1-270 and 1-55. Pace Construction Company served as Weber’s subcontractor. At the accident location, Pace had laid new asphalt over old asphalt creating a dropoff caused by the change in elevation between the two layers. No warning signs or cautionary devices marked the depression.
II.
Discussion
Pace and Weber admit there was a drop-off but dispute its depth (more on that later). They also admit that no cautionary warning devices marked the dropoff, but contend that such devices were not required under Missouri law. They argue, moreover, that Adams never hit the drop-off at all, and therefore, whatever caused him to lose control of his motorcycle (the defendants charge that Adams was intoxicated 2 ) the accident cannot be attributed to any acts or omissions of either defendant. Accordingly, Pace and Weber assign error to the trial court’s refusal to direct a verdict in their favor, to grant them a judgment non obstante veredicto (judgment n.o. v.), or, in the alternative, a new trial, and for failing to strike plaintiff’s expert testimony that was premised on the assumption that Adams hit the dropoff.
A. Standard of Review
Because this is a diversity case, Illinois law is controlling, including its choice-of-law rules.
Twohy v. First Nat. Bank of Chicago,
Under Illinois law,
verdicts ought to be directed and judgments n.o.v. entered only in those cases in which all of the evidence, when viewed in its aspect most favorable to the opponent, so overwhelmingly favors movant *1021 that no contrary verdict based on that evidence could ever stand.
Pedrick v. Peoria and Eastern Railroad Co., 37
Ill.2d 494,
B. Causation
Under Missouri law, and most other states, a plaintiff pursuing a theory of negligence must show: (1) the existence of a duty owed by the defendant to the plaintiff; (2) the failure of the defendant to fulfill that duty; and (3) an injury to the plaintiff resulting from that failure (causation).
Mac-Fab Products, Inc. v. Bi-State Dev. Agency,
There is no direct evidence that Adams traversed the dropoff. He did not see the depression either before or after losing control of his motorcycle, and no one else witnessed the accident. Instead, Adams presented circumstantial proof from which the jury could conclude that he did, in fact, cross over the unmarked dropoff, thereby losing control of his motorcycle. Pace and Weber unsuccessfully set about to persuade the jury that the facts just did not support the plaintiff’s position, a contest largely duplicated on appeal.
Pace and Weber argue that Adams’s theory of causation is contradicted both by his own testimony and the physical evidence found at the accident scene. The defendants contend that Adams’s testimony as to the location of the “bump” cannot be reconciled with the location of the dropoff itself. Missouri State Trooper Layfette Lacey, who examined and constructed a diagram of the accident scene, established that the connector ramp was twenty-eight feet wide, twenty-one feet of which was covered with newly laid asphalt. The remaining seven feet was covered with old asphalt. This created a dropoff due to the disparate *1022 elevation of each layer of asphalt in the middle of the left side of the ramp.
At trial, Adams testified that he “assumed [h]e was near the center of the lane merging toward the left when [he] hit a severe bump.” (R. 223.) Contrary to the defendants’ characterization, Adams did not contend unequivocally that the “bump” he traversed was in the center of the ramp. Indeed, in response to the defendants’ question, “Mr. Adams, as you sit here today, I take it you still believe you were in the middle of the pavement at the time you lost control of your motorcycle?” Adams replied, “I believe I was in a safe position. I was merging to the left, I probably started in the middle and merged to the left, yes, sir. That’s the normal route.” (R. 259.) Adams’s testimony is, in fact, consistent with the actual location of the drop-off. He testified that the bump he struck was left of center, exactly where Officer Lacey placed the dropoff created by the defendants’ repaving.
Next, the defendants argue that the location of a forty-six foot skid mark, presumably left by Adams’s motorcycle, belies the fact that he traversed the dropoff. Adams and the defendants, however, do not agree on the location of the skid mark. Adams maintains that the skid mark originated at the dropoff where a “V” is formed by the merger of the connector ramp with the collector lane, thus providing circumstantial proof that he hit the dropoff. (Appel-lee’s brief at 5.) The defendants, however, charge that Adams’s brief mischaracterizes Officer Lacey’s testimony as to the location of the skid mark which they argue was some distance from the dropoff itself. (Pace’s reply brief at 4.) The record is muddled on this point at best.
Several references to a “V” depicted in a photograph of the scene are contained in the record. (Plaintiff’s Exhibit IB.) At one point, Officer Lacey indicates that the skid mark originated from an “area in between ... two white lines.” (R. 91.) Plaintiff’s counsel then asks, “Across this V here, is that correct?” Reply, “That’s correct.” (R. 91.) The “V” referred to by plaintiff’s counsel appears to be the intersection of two white lines painted on the pavement after the accident but reflected in a photograph used at trial. Later plaintiff’s counsel, again using the “V” as a reference point, asked Officer Lacey to identify a mark he had placed on the photograph asking, “Up here in this V where you marked this, is that where one of the lips [dropoff] that you described was?” Answer, “The reason I made that mark was because on this portion of the ramp, as I indicated earlier, this is where the new asphalt stopped and the old asphalt be-gan____” (R. 92.) Finally, plaintiff’s counsel asked, “From your investigation, the skidmark originated in that V which you described earlier, is that correct, sir?” Answer, “It tended to indicate so, yes.” (R. 98.)
From the dry record alone, our ability to assess the precise location of the skid mark relative to the dropoff is limited. Incredibly, Officer Lacey was never asked directly the distance or relationship of the skid mark to the dropoff. We are left only to follow the circuitous contours of disjointed testimony. Based on our review of Officer Lacey’s testimony, however, there is evidence in the record from which the jury could conclude that the skid mark originated at or near the dropoff, thus supporting its verdict against the defendants. Officer Lacey placed the skid mark at the intersection of the two white lines that formed a “V.” Later, in response to plaintiff’s question, Lacey indicated that he made a mark in that “V” to indicate the location where the “new asphalt stopped and the old asphalt began.” (R. 92.) Officer Lacey’s testimony indicates that the skidmark originated at or near the dropoff. Moreover, the jury had the benefit of viewing the photograph while observing Officer Lacey point to the location of the dropoff as well as the skid mark.
Regardless of the location of the skid mark, however, the defendants contend that its very existence contradicts Adams’s testimony and belies the fact that the drop-off caused his accident. Alternatively, they contend that the skid mark was not left by Adams’s motorcycle and therefore cannot support an inference that he lost *1023 control of his vehicle at the dropoff. In fact, however, the defendants make no serious attempt to show that the skid mark was not formed by Adams’s motorcycle. Indeed, such a contention, if accepted, could only bolster Adams’s version of the accident. For the existence of the skid mark is the most troubling aspect of this circumstantial case. As the defendants maintain, the skid mark might suggest that Adams was mounted on his motorcycle applying his brakes long after passing by the dropoff. Adams, however, testified that he lost control of his motorcycle and went down within an instant after hitting the bump (R. 259-260), and that he had no recollection of applying his brakes before leaving the roadway. (R. 256.) The defendants argue that if the existence of the skid mark demonstrates that Adams’s description of the accident is inaccurate, then the jury’s verdict could be based on nothing more than unsubstantiated conjecture. Unfortunately, Adams fails even to mention this apparent incongruity much less resolve it.
Nevertheless, we cannot conclude that all of the evidence viewed in a light most favorable to Adams so overwhelmingly favors the defendants that no contrary verdict based on the evidence could ever stand.
See Pedrick,
Moreover, Adams’s testimony can be reconciled with the existence of the skid mark. Although Adams had no recollection of applying his brakes, he indicated that his motorcycle began skidding after he struck the bump, thus allowing the jury to conclude reasonably that the skid mark was caused by the skidding of Adams’s motorcycle itself. Nor is the length of the skid mark incompatible with Adams’s assertion that he fell in an “instant.” John Glennon, a highway safety engineer called by Adams, testified that Adams would have traveled approximately fifty-two feet per second if going thirty-five miles per hour. Therefore, if the jury believed that an “instant” as expressed by Adams was a second or more, it was fully capable of reconciling Adams’s version of the accident with the existence and length of the skid mark.
The law of Illinois, like so many others, does not regard lightly the findings of a jury. Thus, only where little or no evidence supports a plaintiff’s claim may a verdict be directed or set aside.
See Cokinis v. Maywood-Proviso State Bank,
[w]here a substantial factual dispute is presented by the evidence and where an assessment of the credibility of witnesses and an election between conflicting evidence may be decisive, it is erroneous to direct a verdict.
Id.
The nature of the defendants’ argument is simply an attack on Adams’s credibility and an assessment of competing evidence regarding the location of the dropoff and skid mark. This is not a case like
Monaghan v. DiPaulo Const. Co., et al.,
C. Duty to Warn
Next, the defendants argue that they had no duty to mark the dropoff with cautionary devices because the evidence failed to establish that the dropoff was of sufficient depth to require such warnings under Missouri law. The State of Missouri requires that warning devices mark any depression that exceeds two inches in depth. Once again, the defendants ask us to set aside the jury’s determination as to the actual depth of the dropoff. The same standards for a judgment n.o.v. and for a new trial discussed earlier are applicable here.
Apparently, Officer Lacey was the only witness who examined the actual drop-off and made an estimate of its depth. He stated that the dropoff was approximately two or three inches. Upon further questioning, he answered affirmatively plaintiff’s question, “Not an inch and a quarter or an inch and three quarters. Two inches was your low estimate?” Although Pace introduced evidence that the asphalt laying machine used for the repaving was set to lay only one and one-quarter inches, the Pace employee who actually laid the asphalt testified that he did not know what depth was laid by the machine, and other witnesses involved in the construction admitted that the depth could have been more than three inches.
Faced with Officer Lacey’s direct observation of the dropoff and the equivocal evidence presented by the defendants, we can find neither that the evidence so overwhelmingly favors movant that no contrary verdict could ever stand, nor that the trial judge abused his discretion in finding that the jury’s verdict was not contrary to the weight of the evidence. 9
*1025 D. Damages Award
The jury returned a verdict for the plaintiff in the amount of $1,280,-000.00,
10
apportioning 60% fault to Weber and 40% to Pace. Pace argues that the verdict is excessive and that Judge Beatty abused his discretion by allowing it to stand.
Etling v. Sander,
Pace’s challenge to the jury’s award, for example, is confined to an evaluation of Adams’s lost earnings and ignores completely the jury’s attempt to compensate Adams for his considerable pain and suffering. Cf
. Henry v. St. John’s Hospital,
Weber asserts that as the passive, though primary, contractor with the State of Missouri, no reasonable verdict based on the evidence could be reached finding it more liable than Pace, which did the actual repaving work. What Weber ignores, however, is that the theory of negligence was based on omissions and not positive acts. Thus, it was not the creation of the dropoff that constituted negligence, but rather the failure to warn properly of its existence. As part of its contract with Weber, the State of Missouri agreed to, and provided funds for, the purchase of highway warning barrels. Despite the fact that Weber’s contract specifically contemplated the use of cautionary devices, Weber failed to procure, much less employ or offer, for use by Pace, any such items. Given the theory of negligence, the jury’s assessment of relative liability was supported by the evidence.
E. Breach of Contract
Apart from any question of negligence, Weber filed a third-party complaint against Pace for breach of its subcontract that obligated Pace to procure liability insurance and name Weber as an additional insured on its policy. Although Pace obtained insurance for itself, it failed to include Weber as an additional insured. Judge Beatty concluded that Pace breached its contract and awarded Weber $300,000 in damages. The court arrived at this sum by multiplying the percentage of fault attributed to Weber (60%) in the primary action by the limits of Pace’s primary policy ($500,000). As additional damages, the court awarded Weber $52,147.22 in attorneys fees and costs expended in defending Adams’s suit.
Pace appeals from Judge Beatty’s decision, contending that the language of the subcontract requiring Pace to name Weber as an additional insured is vague and unenforceable. Pace argues that the contract does not clearly and unequivocally require it to obtain insurance against Weber’s own acts of negligence and, thus, cannot render Pace liable for any damages attributed by the jury to Weber’s own acts of negligence. The last sentence in paragraph three of the contract states:
Subcontractor (Pace) agrees that the insurance to be carried hereunder will include Prime Contractor (Weber) as the named insured, and such insurance will not be cancelled, except on ten (10) days prior written notice to the Prime Contractor.
(P. 3. Paragraph 3 of Defendant’s Ex. No. 3, Pace’s Appendix p. 25.) The substantive law of Missouri is again controlling.
See
*1026
Dreis & Krump Mfg. Co. v. Phoenix Ins. Co.,
Although it is well established under the common law of Missouri that contracts of indemnification are unenforceable in the absence of a “clear and unequivocal” expression of intent to hold another harmless for her own acts of negligence,
see Salts v. Bridgeport Marina, Inc.,
In Monsanto, a co-defendant, Cal-Spray, took delivery of certain chemicals owned by Monsanto for the purpose of manufacturing a liquid weed killer. Pursuant to their contract, “Monsanto agree[d] to carry adequate insurance to cover all stocks and materials held by Cal-Spray for Monsanto’s account.” Id. at 430. A fire subsequently destroyed the stock and Monsanto collected the insurance proceeds from its policy. Monsanto, however, sued Cal-Spray for the negligent destruction of its property claiming, as Pace does here, that its contract to purchase insurance could not be construed as an indemnification agreement against Cal-Spray’s own negligence. Distinguishing between a contract to indemnify and one to procure insurance for the benefit of another, id. at 431, the Missouri Supreme Court held that Monsanto was required to provide insurance for the benefit of both parties, regardless of whose negligence caused the loss. The court concluded that “the stipulation ... to carry adequate insurance must have been for the benefit of both of the parties to the agreement; otherwise, there would have been no occasion for the stipulation.” Id. at 431.
Like Monsanto, Pace contends that its contract to purchase an insurance policy naming Weber as an additional insured cannot be construed as an indemnification agreement because the contract does not unambiguously relieve Weber of liability for its own acts of negligence.
See Salts,
Nor are we convinced that public policy concerns would move the Missouri Supreme Court to allow Pace to profit from its contractual breach by receiving “credit” toward its liabilities from monies paid through Weber’s independent insurance policy. 12 Once again, the law of Missouri stands between Pace and its avowed asser *1027 tion. In Monsanto, the court rejected the plaintiffs argument that, by failing to name or otherwise inform its insurer of Cal-Spray’s right to coverage, it, or its insurer as subrogee, was free to proceed against Cal-Spray for its acts of negligence. The court stated that
[i]f Monsanto became obligated by the contract ... to insure for the mutual benefit of both the parties to the contract and did not do so, neither Monsanto nor [its insurer as subrogee] may have the advantage of Monsanto’s breach of its contractual obligation to Cal-Spray.
Id. at 431. Thus, the court concluded that Monsanto was obligated to the terms of its agreement with Cal-Spray regardless of its failure to obtain insurance on Cal-Spray’s behalf. Pace similarly is confined by its contractual arrangement with Weber.
The judgment of the district court is
Affirmed.
Notes
. The plaintiff is a resident of the State of Illinois. Defendants Fred Weber, Inc. and Pace Construction Company both are incorporated and maintain their principal places of business in the State of Missouri.
. Surprisingly, Busch permits its employees to drink its alcoholic products while at work during break. Adams consumed a beer at lunch and "a beer or two” on his last break one hour before his shift ended at midnight.
. All of the alleged acts of negligence as well as the accident itself occurred in the State of Missouri. Each of the defendants also are domiciled in Missouri.
.The Illinois Supreme Court has held that procedural law includes "the foundation for [appellate] review" and therefore has applied Illinois’s standard of review in diversity cases.
Ogdon v. Gianakos,
. Pace confuses the applicability of Illinois’s standard for a judgment n.o.v. with Illinois’s substantive law of negligence by arguing that Adams failed to establish causation as defined by several Illinois state court decisions. Much of what Pace relies upon is exemplified by
Monaghan v. DiPaulo Const. Co.,
. See supra note 5.
.The defendants also complain that jury instruction number 13 was improperly tendered to the jury because it was not supported by any evidence.
See E.I. DuPont DeNemours v. Berkley & Co., Inc.,
. Nor are we convinced that the defendants are entitled to a new trial. As we noted in
Simplex, Inc. v. Diversified Energy Systems, Inc.,
. Further still, Pace urges us to reverse the jury’s verdict because its substantial rights were affected,
see Oberst v. Intern. Harvester Co., Inc.,
. The award was offset by a 10% reduction for Adams’s comparative fault.
. In addition to losing his job at Anheuser-Busch as a result of his disability, Adams was rendered sexually impotent, unable to control his bladder, suffers from constant pain, and his right leg was shortened due to his broken hip.
. Independent from the insurance coverage bargained for with Pace, Weber obtained insurance through the Wausau Insurance Company in the amount of $500,000. Both of the policies procured by Pace and Weber contained "other insurance" provisions.
