Failure to Mitigate Damages through Surgery
In Simmons v. Erie Ins. Exchange, the defendant insurance company argued that plaintiff failed to mitigate his damages due to his failure to undergo surgery to treat his plantar fasciitis, which resulted from his involvement in an automobile accident. Plaintiff had received full insurance policy limits from the individual that was 100% at fault in causing the collision and was seeking to recover from defendant insurance company whom plaintiff held an underinsured motorist policy with. On appeal, the Indiana Court of Appeals held “that whether a plaintiff has a duty to submit to surgery requires a ‘reasonable person’ analysis.” The Court further concluded that even though the question of whether a reasonable person would submit to surgery is one for the jury, “under some circumstances, courts will be able to answer the question as a matter of law.” When judges or juries are making a reasonable person inquiry regarding surgery, the Court held they should consider the following factors: 1) the likelihood that the surgery will correct or improve the condition; 2) the risk involved in the surgery; 3) the pain or inconvenience caused by the surgery; and 4) the ability of the plaintiff to bear the cost of surgery. Following the Indiana Supreme Court’s opinion in Willis v. Westerfield, the Court noted that even though normally expert medical opinion would be necessary in regard to the first three factors, “no bright-line rule exists on this point.” Simmons v. Erie Ins. Exchange, 2008 WL 3271552 (Ind. Ct. App. 2008).
