Georgia case law updates and legal news
Edited By George Washington

The Atlanta Gleaner.

April 27, 2023.

Ball-Rodriquez v. Progressive Premier Ins. Co. of Illinois, No. A23A0491, 2023 WL 3069512 (Ga. Ct. App. Apr. 25, 2023)
#insurance defense #voiding policy #retro-active #pay online
In this action to recover proceeds under an automobile insurance policy, Francisco Ball-Rodriquez and William Stephens (the “Appellants”) appeal from the trial court's grant of summary judgment in favor of Progressive Premier Insurance Company of Illinois. The trial court found that, because Stephens never tendered his initial insurance premium and Progressive later voided the insurance policy, there was a lack of consideration between Stephens and Progressive and the policy was void from its inception. For the reasons set forth infra, we affirm.

Summary judgment is appropriate when the pleadings, depositions, answers to interrogatories, and admissions on file, together with the affidavits, if any, show that there is no genuine issue as to any material fact and that the moving party is entitled to a judgment as a matter of law. We review the grant of summary judgment de novo, construing the evidence and all reasonable inferences and conclusions drawn from it in the light most favorable to the nonmovant.

So viewed, the record shows the following. On December 26, 2019, Stephens completed an application for automobile insurance with Progressive. Stephens provided his bank account information to pay the initial premium of $116.03 and all future monthly premiums. The agreement provided that:

  • If I [Stephens] make my initial payment by electronic funds transfer, check, draft, or other remittance, the coverage afforded under this policy is conditioned on payment to [Progressive] by the financial institution. If the transfer, check, draft, or other remittance is not honored by the financial institution, [Progressive] shall be deemed not to have accepted the payment and this policy may be void.

The policy later sent to Stephens further provided:

  • If your [Stephens's] initial premium is by check, draft, electronic funds transfer, or similar form of remittance, coverage under this policy is conditioned on payment to us [Progressive] by the financial institution. If the financial institution upon presentment does not honor the check, draft, electronic funds transfer, or similar form of remittance, this policy may, at our option, be deemed void from its inception. This means we will not be liable under this policy for any claims or damages that would otherwise be covered if the check, draft, electronic funds transfer, or similar form of remittance had been honored by the financial institution. Any action by us to present the remittance for payment more than once shall not affect our right to void this policy.

Progressive attempted to draft the initial premium payment, but Stephens's bank dishonored the draft.

  • On January 3, 2020, Progressive sent Stephens a notice informing him that his initial payment had been returned unpaid and that Progressive had added the amount to his next monthly premium.

  • A Progressive employee attested that, on January 6, Progressive called Stephens and left him a message that he needed to make an initial payment by January 12, 2020 for there to be coverage under the policy.

  • On January 7, Progressive sent Stephens another letter advising him that he needed to make a payment by January 12.

  • The letter instructed Stephens to disregard all payment schedules until he made this initial payment.

  • Finally, on January 14, Progressive sent Stephens a rescission notice, stating that Progressive had rescinded his policy as of the date the policy started, December 26, 2019. The notice also informed Stephens that, as a result of the rescission, Stephens “did not have insurance coverage at any time under [the] policy.” Stephens never made any payments under the policy.

Ball-Rodriquez filed a complaint for damages against Stephens in June 2020. The complaint alleged that, on January 3, 2020, Ball-Rodriquez was a pedestrian when Stephens struck Ball-Rodriquez with Stephens's vehicle. Stephens failed to respond, and the trial court entered a default judgment against him.

In May 2021, Ball-Rodriquez filed the instant lawsuit against Progressive and Stephens. Ball-Rodriquez alleged that he was a judgment creditor of Stephens. Ball-Rodriquez also contended that, at the time of the collision, Stephens was insured by Progressive and thus Ball-Rodriquez could collect under the policy. Stephens filed a cross-claim against Progressive asserting a claim for bad faith.

Progressive filed a motion for summary judgment, which the trial court granted. This appeal from Stephens and Ball-Rodriquez, the Appellants, followed.

On appeal, the Appellants argue that the trial court erred in finding a lack of consideration that voided the insurance policy from its inception. They argue that Progressive waived its right to rescind the policy by seeking to collect the overdue premium. They also argue that Stephens's contribution of his personal data and his implied promise to pay the premium constituted consideration for the contract.

“Insurance in Georgia is a matter of contract and the parties to the contract of insurance are bound by its plain and unambiguous terms.” Consideration is an essential element of a contract, and “total failure of consideration renders the [contract] null and void.” If a provision of an insurance contract is ambiguous, we apply the normal rules of contract construction, which include construing the contract strictly against the insurer/drafter and in favor of the insured. Additionally, we construe insurance contracts “liberally to provide coverage and avoid forfeitures.”

In this case, Stephens failed to make the initial premium payment. By the plain terms of the insurance application agreement and policy, that failure rendered the policy voidable from its inception. Progressive subsequently exercised its option to void the contract after giving Stephens an additional chance to pay the premium. And, as Stephens never made any payment on the policy, there was no consideration between the parties.

The Appellants contend that Stephens's personal data constituted consideration for the agreement, but that was not intended nor contemplated by the insurance agreement. Nor was the dishonored check a promise to pay the premium. Finally, Progressive did not waive its right to void the contract because such a waiver must be “clear and unmistakable.” As the Supreme Court of Georgia has stated, “an insurance company should not suffer a penalty for giving the insured a second chance to have the payment collected before voiding the policy.”

For these reasons, we affirm the trial court's grant of summary judgment in favor of Progressive.

Judgment affirmed.

Harris v. State, No. S23A0141, 2023 WL 2975422 (Ga. Apr. 18, 2023)
#felony murder #criminal law #something’s missing
In October 2019, a jury found Evins Vontravis Harris guilty of felony murder and other crimes in connection with the shooting death of Darius Roberts. On appeal, Harris asserts that the trial court erred in denying him immunity from prosecution and abused its discretion by admitting an in-life photograph of Darius at trial. For the reasons that follow, we discern no reversible error and affirm.

The evidence presented at trial showed that Harris lived with his girlfriend, Daysha Roberts, and their infant son in a two-bedroom home in Camden County. Daysha's brother, Darius, also lived with them, although he did not pay rent. On May 6, 2018, Harris and Daysha were in the process of moving out because they were both unemployed and could no longer afford the rent. Late that evening, Harris said he wanted to go to his mother's house and was going to call a cab. He then threw his phone on the bed and left. At that time, Darius was lying on the couch by the front door, listening to music on Daysha's phone with over-the-ear headphones.

Harris returned home approximately 30 minutes later and entered the bedroom he shared with Daysha and their child. He told her the cab never came and asked for his cell phone. Daysha pointed to the phone, and Harris grabbed it and left the room. About ten seconds after Harris left the room, Daysha heard three gunshots. She placed her child in the closet, approached the bedroom doorway, and heard two more shots. When Daysha opened the bedroom door, she heard the front door forcefully open, followed by the sound of someone running outside. Daysha then saw Darius lying on the floor and ran outside to knock on the neighbor's door to ask for help. The neighbor called 911 and, at the direction of the 911 dispatcher, told Daysha to go back inside and see if Darius was still breathing. Daysha found her brother face-down and unresponsive. As she rolled him over, she took her cell phone from his hand and threw it on the couch.

Officer Samantha Swartz of the Kingsland Police Department was dispatched to the scene. When she arrived, she saw the victim lying on the floor in front of the couch, face down, with his head positioned toward the front door. After determining that he was not breathing, she began chest compressions but was unable to revive him. She did not see a weapon near Darius's body. A recording from Officer Swartz's body camera was played for the jury.

The GBI was called to assist in the investigation, and Special Agent Jamie Karnes located seven spent shell casings from a .380-caliber firearm throughout the living room. Based on bullet defects found on the couch, cushions, and carpet, Agent Karnes determined that the shots appeared to have been fired from a downward angle. While searching the couch for additional shell casings, Agent Karnes found a 9mm Smith & Wesson handgun hidden underneath a sofa cushion containing 13 unfired 9mm cartridge casings. No rounds were found in the chamber of the Smith & Wesson, meaning that the gun was not in a position where a pull of the trigger would discharge the weapon. No 9mm spent shell casings were found at the scene.

When Harris arrived at the hospital where first responders brought Darius's body, he ran over and said, “Daysha, I'm sorry.” Law enforcement officers then took Harris into custody. After being advised of his rights under Miranda, Harris agreed to be interviewed and eventually told detectives that he shot Darius in self-defense. At various points in the interview, Harris claimed that Darius had been raping him, his one-year-old child, his younger brother and sister, and Daysha. Harris also claimed that Darius had pulled a gun on him several times in the past. A recording of the interview was played for the jury at trial.

Daysha testified that shortly before the shooting, Harris had become paranoid and accused her multiple times of cheating on him. After one argument, she went inside their home and locked the door, but Harris kicked the door in, damaging the doorframe. She told Harris's mother about his concerning behavior, and his mother tried to get him help, but he refused. Daysha had never seen Darius pull a gun on Harris.

The medical examiner testified that Darius sustained seven gunshot wounds, including one on the top of his head and two in his back. A GBI firearms examiner testified that each of the bullets recovered from Darius's body during the autopsy were fired from the same .380-caliber semi-automatic pistol. Although the firearm used in the shooting was never recovered, Daysha testified that she had seen Harris with a gun that his friend had sold to him prior to the shooting.

1. Harris first contends that the trial court erred in denying his pre-trial motion for immunity from prosecution under OCGA § 16-3-24.27 on the basis that he was reasonably defending himself against Darius and was justified in his use of force. We disagree.

To avoid trial on this ground, a defendant bears the burden of proof to show that he is entitled to immunity by a preponderance of the evidence. See Hughes v. State, 312 Ga. 149, 156 (4), 861 S.E.2d 94 (2021). In reviewing a trial court's ruling on a motion for immunity from prosecution, “the evidence is viewed in the light most favorable to the trial court's ruling, and the trial court's findings of fact and credibility determinations are accepted if there is any evidence to support them.” Id.

  • Here, Harris testified at the immunity hearing that he had asked Darius for rent money because he and Daysha were having money problems, but Darius refused. Harris also testified that Darius “started putting a firearm on [him] ... in [his] own home” three or four times prior to the shooting. This prompted Harris to buy a gun, which he loaded on the night of the shooting “just in case anything happened before [he] got ready to leave the house.” Then, as he exited his bedroom, Harris testified, he heard what he believed to be the sound of a round being chambered and turned to see Darius pointing a gun at him while Darius was still lying on the couch. Believing that Darius was going to shoot him, Harris shot at Darius as he ran from the home.

  • Daysha testified at the immunity hearing that Harris had never told her about any such alleged incidents with Darius and that Harris had been acting strangely prior to the shooting. The interviewing detectives testified that Harris gave conflicting statements regarding the shooting and brought officers to various locations where he supposedly disposed of the gun, but they were never able to recover the weapon. A recording of Harris's interview was played at the hearing. Special Agent Karnes also testified as to the forensic evidence found at the scene.

In denying the motion for immunity, the trial court determined that the physical evidence and other testimony showed that the encounter did not occur in the manner Harris described and that Harris may have been motivated by anger or aggression rather than self-defense. And when considering the issue again after it was raised in Harris's motion for new trial, the trial court further explained that the evidence at the immunity hearing showed that there had been tension between Harris and Darius immediately preceding the shooting. Harris had recently lost his job and asked Darius to help with rent, but Darius did not have any money. Harris also claimed that Darius was drugging and sexually assaulting him, his child, and Daysha, yet Harris never asked Darius to move out of the home and never notified law enforcement. The evidence also showed that there was no gun in the vicinity of Darius's body, but rather a gun was hidden underneath a cushion with no bullet in the chamber, and that Harris fled the scene and lied to officers about where he disposed of his gun.

On appeal, Harris claims that because he was the only witness who was present when the events transpired, the trial court erred when it did not credit his testimony and did not grant him immunity. However, other than Harris's self-serving testimony, there is no evidence that Harris acted in self-defense. Rather, as the trial court concluded, the evidence showed that Harris was upset with Darius for failing to help with rent. The forensic evidence showed that Darius was not holding a weapon at the time that Harris shot him multiple times, including in the top of the head and in the back, indicating that Darius was not confronting Harris when Harris fired several of the shots. Harris also fled the scene, disposed of the weapon, and later misled the police about the location of the gun, prompting officers to look in several locations without success.

Thus, the trial court's factual findings and credibility determinations were supported by evidence presented at the immunity hearing, and the trial court was authorized to reject Harris's self-serving testimony and deny his motion for immunity from prosecution. See Ellison v. State, 313 Ga. 107, 111, 868 S.E.2d 189 (2022) (given the evidence presented, the trial court was authorized to reject the defendant's self-serving testimony and conclude he had not met his burden to prove justification); Hornbuckle v. State, 300 Ga. 750, 753 (2), 797 S.E.2d 113 (2017) (trial court was authorized to conclude defendant's actions were motivated by aggression or anger and to deny immunity from prosecution where the physical evidence and defendant's statements provided some evidence that the encounter did not occur in the manner she alleged). Accordingly, this enumeration of error fails.

2. Harris also asserts that the trial court plainly erred in admitting an in-life photograph of Darius. We are not persuaded.

  • At trial, the State called Tasheka Roberts, Darius's mother, to present a single in-life photograph of Darius. After Darius's mother confirmed that the photograph, which depicted Darius alone against a neutral background, clearly and accurately reflected how Darius looked in the weeks before his death, the State asked to enter the photograph as an exhibit. Harris's counsel then stated, “No objection, Your Honor.” In ruling on this issue in Harris's motion for new trial, the trial court determined that Harris's trial counsel affirmatively waived any objection to the admission of the photograph.

  • On appeal, Harris asserts that, despite his trial counsel's failure to object, the trial court committed plain error in admitting the photograph because it likely stoked the jury's emotions through the victim's mother. To prevail on this claim, Harris must satisfy all four prongs of the plain-error test:

  • First, there must be an error or defect — some sort of deviation from a legal rule — that has not been intentionally relinquished or abandoned, i.e., affirmatively waived, by the appellant. Second, the legal error must be clear or obvious, rather than subject to reasonable dispute. Third, the error must have affected the appellant's substantial rights, which in the ordinary case means he must demonstrate that it affected the outcome of the trial court proceedings. Fourth and finally, if the above three prongs are satisfied, the appellate court has the discretion to remedy the error — discretion which ought to be exercised only if the error seriously affects the fairness, integrity or public reputation of judicial proceedings. Williams v. State, 315 Ga. 490, 495 (2), 883 S.E.2d 733 (2023) (citation omitted; emphasis in original).

  • Here, assuming without deciding that Harris did not affirmatively waive the claim of error through his counsel's statement that she had no objection to the admission of the in-life photograph, we conclude that any error did not affect Harris's substantial rights. Darius's mother's testimony was very brief, and the photograph was fairly benign, depicting Darius alone on a neutral background. Moreover, there is no indication that Darius's mother became emotional during her testimony, and the evidence against Harris was strong. Thus, Harris cannot show that the admission of Darius's in-life photograph probably affected the outcome below. See Williams, 315 Ga. at 496 (2), 883 S.E.2d 733 (we need not analyze all four prongs where an appellant fails to establish one of them); Bozzie v. State, 302 Ga. 704, 708 (2) (a), 808 S.E.2d 671 (2017) (no plain error because, given the strength of the evidence against the defendant, he could not establish that the admission of a single in-life photograph of the victim with his wife and grandchildren probably affected the outcome below). Accordingly, Harris cannot show plain error, and this enumeration of error fails.

    AFFIRMED.