AUTO-OWNERS INSURANCE COMPANY AND SPEEDLINE ATHLETIC WEAR, INC., APPELLANTS/CROSS APPELLEES,
v.
AMERICAN STATES INSURANCE COMPANY AND GLORIA QUINTANA, APPELLEES/CROSS APPELLANTS
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This workers' compensation case involves two separate compensable injuries to employee Gloria Quintana and a dispute between two insurance carriers regarding notice of the second injury and responsibility for medical expense payments. The court affirmed findings on the first injury but reversed the commissioner's allocation of liability between carriers, holding that statutory notice to the employer constitutes imputed notice to the insurance carrier.
The court affirmed that the second compensable injury occurred on August 31, 1978, and that maximum medical improvement from the first accident was properly found as June 7, 1977. The claim for permanent disability from the second accident was not ripe for determination at the time of hearing. The court reversed the commissioner's allocation of liability, holding that Auto-Owners, not American States, must reimburse American States for excess payments from August 31, 1978, because statutory notice to the employer constitutes imputed notice to the insurance carrier.
[1] Notice to or knowledge of an employer of the occurrence of an injury is imputed as notice to or knowledge of the carrier.
[2] A claim for permanent disability based upon lost wage earning capacity is not ripe at the time of a hearing if the claimant has not yet reached maximum medical improvemen…
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Join FLexlaw to unlock all legal intelligence“Notice to or knowledge of an employer of the occurrence of the injury shall be notice to or knowledge of the carrier.”
Section 440.41(1) F.S. (1978) - establishes statutory imputation of notice from employer to carrier, the key legal principle determining liability between carriers
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Join FLexlaw to unlock all legal intelligenceGloria Quintana suffered a compensable injury on April 3, 1976, and reached maximum medical improvement on June 7, 1977. She suffered a second compens…
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PER CURIAM.
This case is before us on appeal and cross appeal of an order of the Deputy Commissioner finding that Quintana suffered a compensable injury on April 3, 1976, reached maximum medical improvement from that injury on June 7, 1977, and suffered a second compensable accident on August 31,1978 from which she reached maximum medical improvement on June 24, 1980. The commissioner established the periods of temporary total disability for each accident and the percentage of permanent disability for the first accident. Auto-Owners Insurance Company was the employer’s insurance carrier at the time of the second accident while American States was the employer’s insurance carrier at the time of the first accident. Neither carrier had actual notice of the second accident. American States had paid claims arising from the accident of April 1976 and continued paying the employee’s medical expenses after August 1978 assuming they arose from the initial injury. The commissioner found that Auto-Owners had notice of the second accident as of May 7,1979 and that Auto-Owners should reimburse American States for excess payments made after that date.
Auto-Owners and the employer appeal arguing that the findings were insufficient to conclude that the claimant sustained a compensable injury on August 31, 1978, that there was insufficient evidence to support the finding of MMI from the first accident on June 7, 1977, and that the commissioner should have determined the percentage of permanent disability from the second accident. American States cross appeals seeking reimbursement from Auto-Owners for excess payments from August 31,1978. We affirm the points on appeal and reverse on the cross appeal.
The findings and record are clear as to the date and nature of the second accident. There was competent substantial evidence in the record to support the finding of MMI on June 7, 1977 from the first accident. Under Section 440.25(3)(a) Fla. Stat. (1978), since repealed, the claim for permanent disability from the second accident, based upon lost wage earning capacity, was not ripe at the time of the hearing below. Marathon Theatre v. Capps, 396 So. 2d 280 (Fla. 1st DCA 1981).
The commissioner found that the employee had properly notified her employer of the second accident. He also found that lack of actual notice prejudiced Auto-Owners due to the inability of the carrier to investigate the accident promptly. Applying Section 440.42(3) F.S. (1978) the commissioner placed the risk on American States until actual notice to Auto-Owners. We find the ruling to be erroneous.
Section 440.41(1) F.S. (1978) provides that “Notice to or knowledge of an employer of the occurrence of the injury shall be notice to or knowledge of the carrier.” The commissioner found that notice to the employer of the second accident was promptly made. Therefore, notice to the carrier, Auto-Owners, is imputed by operation of the statute. See Sam Rogers Enterprises v. Williams, 401 So. 2d 1388 (Fla. 1st DCA 1981), opinion filed August 17, 1981. The commissioner should have ordered the reimbursement of American States’ excess payments from August 31, 1978. AFFIRMED in part, REVERSED in part and REMANDED.
MILLS, ERVIN and LARRY G. SMITH, JJ., concur.
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Citator
Cited By
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Acme OIL Co. & Hill v. The State Farm Ins. Co., 496 So. 2d 150 (Fla. 1st DCA 1986)…here notice of a compensable accident was promptly made to the employer, notice to the workers’ compensation carrier was imputed by operation of Section 440.41(1), Florida Statutes. Auto-Owners Insurance Company v. American States Insurance Company, 402 So. 2d 560, 561 (Fla. 1st DCA 1981). In that case, the imputed knowledge of the carrier had the effect of reversing the deputy’s finding that reimbursement was not proper under Section 440.42(3), Florida Statutes. In this case too, State Farm had imputed notic…
Authorities Cited
- SAM Rogers Enters. & Auto-Owners Ins. Co. v. Odell Williams, 401 So. 2d 1388 (Fla. 1st DCA 1981)
- Marathon Theatre v. Capps, 396 So. 2d 280 (Fla. 1st DCA 1981)