A Louisiana State Appellate Court has held that the automobile policy exclusion in a long-term care and general liability insurance policy applied to claims barred on behalf of a patient who fell from a van’s wheelchair lift.
In this case, Shirley Ann Marzell, who was a patient at the Charlyn Rehabilitation and Nursing Center, was placed in her wheelchair onto the lift platform of the facility’s van. When her assistant moved away from her, Marzell’s weight shifted and the wheelchair rolled off the platform. She struck her head on the pavement. Marzell and her two daughters filed suit against American Safety & Indemnity Co., the insurance company that insured Charlyn Enterprises, the owner of the rehab center.
The insurance company moved for summary judgment maintaining that the automobile exclusion in Charlyn’s insurance policy applied to this lawsuit. That provision stated in part that the insurance policy did not apply to any claim arising out of the use of an automobile, including acts of loading or unloading. The trial judge granted the motion for summary judgment dismissing the case. An appeal was taken.