Ambrose v. USAA Gen. Indemn. Co. , 2022 Ohio 2629 ( 2022 )


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  • [Cite as Ambrose v. USAA Gen. Indemn. Co., 
    2022-Ohio-2629
    .]
    IN THE COURT OF APPEALS OF OHIO
    ELEVENTH APPELLATE DISTRICT
    PORTAGE COUNTY
    MARY AMBROSE, INDIVIDUALLY                          CASE NO. 2021-P-0108
    AND ON BEHALF OF CAROLINE
    AMBROSE,
    Civil Appeal from the
    Plaintiff-Appellant,                Court of Common Pleas
    -v-
    Trial Court No. 2019 CV 00477
    USAA GENERAL INDEMNITY
    COMPANY, et al.,
    Defendants-Appellees.
    OPINION
    Decided: August 1, 2022
    Judgment: Reversed and remanded
    Florence A. Murray, Murray & Murray Co., LPA, 111 East Shoreline Drive, Sandusky,
    OH 44870 (For Plaintiff-Appellant).
    C. Joseph McCullough and Matthew C. Notaro, White, Getgey & Meyer Co., LPA, 6125
    East Kemper Road, Suite 100, Cincinnati, OH 45241 (For Defendant-Appellee, USAA
    General Indemnity Company).
    Jay S. Hanson, American Family Insurance, 1900 Polaris Parkway, Suite 200 B,
    Columbus, OH 43240 (For Defendant-Appellee, Morticia Williamson).
    MARY JANE TRAPP, J.
    {¶1}    At the center of this case is an automobile-pedestrian accident in which the
    driver, appellee Morticia Williamson (“Mrs. Williamson”) backed into the shopping cart of
    a pedestrian-victim, Caroline Ambrose (“Caroline”), in a Marc’s parking lot in Kent, Ohio.
    Caroline was thrown to the ground from the impact. Mrs. Williamson admitted negligence
    shortly before the jury trial.         Caroline’s daughter, appellant, Mary Ambrose (“Ms.
    Ambrose”), individually and as executrix for Caroline’s estate, appeals from the judgments
    of the Portage County Court of Common Pleas, which dismissed her claims of negligence
    and loss of consortium after the jury returned a finding that the negligence of Mrs.
    Williamson was not the proximate cause of Caroline’s injuries and denied her motion for
    judgment notwithstanding the verdict/motion for new trial.          Caroline’s underinsured
    motorist coverage (“UIM”) insurer, USAA General Indemnity Company (“USAA General”),
    is also an appellee; however, the trial court granted its motion in limine to limit any mention
    of insurance during trial, and it agreed to be bound by the trial court’s judgment.
    {¶2}   Ms. Ambrose raises eight assignments of error on appeal, contending that
    the trial court erred (1) by denying her motion for judgment notwithstanding the
    verdict/motion for new trial, (2) by granting USAA General’s motion in limine barring any
    mention of insurance at trial, (3) when it overruled her objection to defense counsel’s
    cross-examination of Ms. Ambrose, (4) by refusing to strike jurors for cause and
    rehabilitating jurors who displayed a clear bias against her case, (5) in ruling that direct
    security camera footage of the collision could not be authenticated by Mrs. Williamson,
    (6) by denying a highly relevant and warranted “Egg Shell” jury instruction, (7) by
    overruling her objections to defense counsel’s “perverse” line of questioning, and (8)
    sustaining defense counsel’s objection to testimony regarding Caroline’s home health
    care.
    {¶3}   After a thorough review of the record and pertinent law, we determine Ms.
    Ambrose’s first, third, fifth, sixth, seventh, and eighth assignments of error have merit. A
    review of juror interrogatory no. 1, i.e., whether Mrs. Williamson’s negligence proximately
    caused Caroline’s injuries, as well as the lack of an “Egg Shell” jury instruction, in
    conjunction with several evidentiary rulings allowing the improper cross-examination of
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    Ms. Ambrose on personal, out-of-pocket expenses for Caroline’s medical expenses and
    her improper motives and disallowing self-authenticating footage of the underlying
    collision to be played to the jury led the jury astray. Indeed, despite the uncontroverted
    evidence to the contrary, the jury found that Mrs. Williamson’s negligence did not
    proximately cause Caroline’s injury. Thus, the jury’s verdict is not supported by the
    manifest weight of the evidence, and it is apparent that the jury was misdirected from the
    issues that were to be decided, i.e., proximate cause and noneconomic damages, if any,
    from the injuries sustained in the collision.
    {¶4}   Lastly, the issue of USAA General’s contractual obligation under the UIM
    policy was not a jury issue; thus, we do not find the trial court erred by granting USAA
    General’s motion in limine to prohibit any mention of insurance at trial. Nor can we say
    the trial court abused its discretion for failing to strike a juror for cause where the juror,
    upon the court’s questioning, stated he could be fair and impartial and follow the law per
    the court’s instruction.
    {¶5}   The judgment of the Portage County Court of Common Pleas is reversed,
    and this matter is remanded for a new trial in accordance with this opinion.
    Substantive and Procedural History
    {¶6}   On February 18, 2018, at approximately 4:30 in the afternoon, Mrs.
    Williamson backed her car into Caroline’s shopping cart, which pushed against her and
    threw her to the ground. Mrs. Williamson admitted to negligence shortly before trial.
    {¶7}   Ms. Ambrose, individually and on behalf of her mother, Caroline, filed a
    complaint in the Portage County Court of Common Pleas, alleging claims of negligence
    and loss of consortium against Mrs. Williamson and Caroline’s UIM insurer, USAA
    General. Caroline, who was in her early 90s, passed away from unrelated causes while
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    the case was pending, and Ms. Ambrose was substituted as a party in her fiduciary
    capacity.
    Motion in Limine
    {¶8}    Several weeks before trial, USAA General filed a motion in limine to
    preclude any mention of the existence and/or involvement of liability insurance or UIM
    coverage. USAA General also sought to amend the case caption to “Mary Ambrose, et
    al. vs. Morticia Williamson, et al.” USAA General stipulated and agreed that Caroline was
    an insured under a USAA policy, that the USAA policy provided for UIM coverage, and
    that it was obligated to pay any judgment exceeding Mrs. Williamson’s liability limits up to
    its UIM coverage limits. USAA General agreed to be bound by the final judgment entry
    of the trial court.
    {¶9}    The trial court granted USAA General’s motion in limine, in part, to limit any
    mention of liability and/or UIM insurance coverage, but denied its request to recaption the
    matter and remove USAA General’s name from the caption.
    Voir Dire
    {¶10} The case proceeded to a three-day jury trial before a magistrate.            As
    relevant to this appeal, Ms. Ambrose contends two of the jurors showed a clear difficulty
    in applying the evidentiary standard “more likely than not” or “51% versus 49%” and that
    they should have been stricken for cause.
    {¶11} A number of the prospective jurors expressed difficulty with the
    preponderance of the evidence or “more likely than not” concept, particularly when the
    concept was presented in terms of percentages. The first such juror was challenged for
    cause, and the trial court overruled the challenge. Ms. Ambrose exercised her first
    peremptory challenge to excuse that juror. A second similar challenge for cause was
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    Case No. 2021-P-0108
    presented for a second juror who expressed a dislike for the “51%” number, and the trial
    court sustained that challenge. A third juror wanted a 75% burden of proof, but upon
    questioning by the trial court, he said he would, “to the best of his ability,” follow the
    instructions of the court. The cause challenge was overruled. Ms. Ambrose exercised
    her second peremptory challenge to a juror who did not openly express disagreement
    with the preponderance burden of proof.
    {¶12} Finally, a cause challenge to a fourth juror who also believed the burden
    should be 75% was overruled after that juror, upon questioning by the trial court, said she
    would follow the law as instructed by the court.       Ms. Ambrose exercised her third
    peremptory challenge to excuse that juror.
    The Jury Trial
    {¶13} Ms. Ambrose presented several lay witnesses who related their
    observations as to the nature and extent of Caroline’s injuries, pain and suffering,
    limitations on her physical activity, and recovery after the accident, including two of
    Caroline’s six children, Ms. Ambrose and Susan Ambrose Getz; Caroline’s
    granddaughter, Caroline Getz; as well as two of Caroline’s acquaintances from her bridge
    group, Georgia Hilke and Sue Briers.
    Ms. Ambrose
    {¶14} Ms. Ambrose testified that she moved from Italy with her husband to care
    for her mother in November 2017. She described picking up her mother from the hospital
    after the accident. Caroline was crying, and she was physically unable to walk on her
    own. For months after the accident, Caroline was unable to sleep for more than a few
    hours at a time, she had trouble managing her pain, she used a walker, she was unable
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    to drive, and she was unable to do the activities she enjoyed, such as golf and playing
    bridge. She was depressed and cried often.
    {¶15} As relevant to this appeal, Ms. Ambrose contends it was error for the trial
    court to overrule her objection to defense counsel’s cross-examination regarding out-of-
    pocket expenses for Caroline’s medical bills. Ms. Ambrose testified that her mother was
    a Medicare beneficiary and that Medicare paid some of her mother’s medical bills. Ms.
    Ambrose did not personally pay any of Caroline’s medical bills.
    {¶16} The magistrate sustained defense counsel’s objection to any discussion of
    the home health care Caroline received because no records of her care were exchanged
    prior to trial. Ms. Ambrose objected to not being able to testify to her own recollection,
    regardless of whether the records were admitted.
    {¶17} Ms. Ambrose also takes issue with defense counsel’s “perverse” line of
    questioning, in which he elicited details of “the love of Ms. Ambrose’s life,” that is, a
    relationship Ms. Ambrose had during her twenties with a famous rock star. The line of
    questioning was designed to elicit details about Ms. Ambrose’s lawsuit against the rock
    star’s estate and to question her motives for pursuing this case since she is one of the
    beneficiaries of Caroline’s estate.
    Plaintiff’s Experts
    {¶18} Ms. Ambrose also presented two expert witnesses, Caroline’s treating
    orthopedic surgeon, Dr. Ronald C. Mineo (“Dr. Mineo”), and Kevin Rider, an industrial
    engineer and human factors consultant.
    {¶19} Dr. Mineo determined that Caroline suffered two fractures from the incident
    – a pubic rami fracture and a sacral fracture. He noted in his report that the fracture
    suffered by Caroline typically takes six to eight weeks to heal. He also noted that Caroline
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    Case No. 2021-P-0108
    experienced no further complications. Her factures healed uneventfully without surgical
    intervention. He could not say with certainty that the injuries had a lasting effect or that
    they resulted in any permanent deformity or disability. He treated her following the
    incident and in a follow-up visit several months later in July. Three years before the
    accident, he had performed Caroline’s partial hip replacement. In addition, he described
    Caroline’s history of low back pain, sciatica, arthritis, osteopenia, and scoliosis.
    {¶20} Mr. Rider described what he observed from viewing the security camera
    video and offered his opinions regarding whether Caroline had any warning that a car
    was about to move toward her and whether Mrs. Williamson’s ability to see Caroline was
    obstructed.     Defense counsel objected to the video being played for the jury on
    authentication grounds.     Mr. Rider could not authenticate the video, but the line of
    questioning about what was depicted in the video continued with Mr. Rider giving a
    second-by-second narrative account. Defense counsel also cross-examined Mr. Rider
    extensively about the quality of the video and what could and could not be seen in the
    footage. The video was not played during Mr. Rider’s examination.
    Video Footage of the Collision
    {¶21} During the plaintiff’s case in chief, Ms. Ambrose called Mrs. Williamson to
    testify. The security camera video footage of the collision from the Marc’s store was also
    played for Mrs. Williamson, who described the accident to the jury and responded to
    questions regarding the video:
    {¶22} “[Plaintiff’s counsel]: Ms. Williamson, do you recognize your vehicle in the
    video?
    {¶23} “[Mrs. Williamson]: Yes.
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    {¶24} “[Plaintiff’s counsel]: And do you recognize you already identified your
    vehicle in the video?
    {¶25} “[Mrs. Williamson]: Yes.
    {¶26} “[Plaintiff’s counsel]: And you’ve seen the events within the video from
    viewing it just now; correct?
    {¶27} “[Mrs. Williamson]: Yes.
    {¶28} “[Plaintiff’s counsel]: Does that video fairly and accurately depict what
    happened on that day?
    {¶29} “[Mrs. Williamson]: Yes.”
    {¶30} At that point, the magistrate denied plaintiff’s counsel permission to publish
    and instructed her to ask “a few more questions” to “get the foundation.” Mrs. Williamson
    described the accident and identified her car, Caroline, and the events depicted in the
    video. Ms. Ambrose asked Mrs. Williamson, “Does that video that you viewed fairly and
    accurately depict the scene of events?” Mrs. Williamson responded, “Yes.”
    {¶31} Upon Ms. Ambrose’s request for permission to publish, defense counsel
    objected, and the magistrate sustained the objection.
    The Defense
    {¶32} In addition to Mrs. Williamson’s testimony, the defense presented the expert
    testimony of Dr. James Brodell (“Dr. Brodell”). Dr. Brodell opined that Caroline sustained
    two injuries from the collision, i.e., a skin tear and a pubic bone fracture. He testified that
    the fracture was a minor injury that self-healed in a matter of weeks (approximately six to
    eight). He believed Caroline was able to resume her normal activities and had no
    significant functional impairment. After the collision, he noted Caroline needed assistance
    for several weeks, she was prescribed a mild opioid for the pain, she utilized home
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    assistance devices, and she received home health care for one month following the
    collision.
    {¶33} In closing arguments, defense counsel requested the jury to award
    appellants $10,000, or $5,000 per month for “two months of healing.”
    Jury Instructions
    {¶34} Ms. Ambrose made a special request in writing to charge the jury, which
    was denied on the basis that there was no Ohio Jury Instruction (“OJI”) on the issue and
    that only OJI instructions would be used.
    {¶35} Ms. Ambrose proposed the so-called “Egg Shell” instruction taken from
    Feterle v. Huettner, 
    28 Ohio St.2d 54
    , 
    275 N.E.2d 340
     (1971). The proposed instruction
    read: “It is the law of Ohio that the defendant takes the now deceased Caroline V.
    Ambrose as she finds her. By that is meant that it is no excuse to injure or hurt a person
    and then claim that the injury would not have happened or been as severe had that person
    been physically or mentally stronger, even if a particular injury may have been aggravated
    or might not have happened at all except for the peculiar physical condition of the injured
    party at the time of the incident. The defendant, Morticia Williamson bears the risk that
    her liability will be increased by reason of the actual physical condition of the injured party
    at the time of her negligent act. Even if you find that the decedent, Caroline V. Ambrose,
    for example had a predisposition which made her more susceptible to injury,
    nevertheless, the defendant is liable for the actual injury or lack of or delay in recovery,
    which Caroline V. Ambrose sustained as a direct result of defendant’s negligence. It is
    not a defense that some other person of greater strength, or constitution, or emotional
    makeup might have been injured less, or injured differently, or recovered faster or better.
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    Case No. 2021-P-0108
    It is no defense for the defendant to contend that the injured party, in this case, Caroline
    Ambrose, would not have been injured had she had a different condition.”
    Jury Interrogatories
    {¶36} The jury was given two interrogatories to answer. First, in jury interrogatory
    no. 1 the jury was asked: “Did Defendant’s negligence proximately cause injury to the
    decedent, Caroline Ambrose?” If six or more of the jurors answered yes, they were to
    answer jury interrogatory no. 2: “What is the amount of compensatory non-economic
    damages sustained by the decedent, Caroline Ambrose?”
    {¶37} Ms. Ambrose objected to the first interrogatory because a finding of
    proximate cause was already proven. She contended that the issue before the jury was
    the extent of injury as opposed to whether there was any injury. The magistrate overruled
    her objection, finding that the issue of proximate cause was an issue for the jury. The
    magistrate further noted that while Mrs. Williamson admitted negligence, she did not
    admit proximate cause, though there may have been testimony to that effect.
    Jury Verdict
    {¶38} Six of the eight jurors found Mrs. Williamson’s negligence was not the
    proximate cause of Caroline’s injuries and signed a general verdict for the defendants.
    The trial court entered judgment for the defendants on all claims.
    Judgment Notwithstanding the Verdict
    {¶39} Ms. Ambrose subsequently filed a “Motion for Judgment Notwithstanding
    the Verdict, or in the Alternative Motion for New Trial and Additur.” She contended that
    the jury’s findings were a clear indication it was led astray because the defense expert,
    Dr. Brodell, testified to two injuries Caroline sustained as a result of the accident. Thus,
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    Case No. 2021-P-0108
    the six jurors’ answer to jury interrogatory no. 1, regarding proximate cause, did not
    comport with the evidence presented at trial, and a new trial was warranted.
    {¶40} She also argued seven other grounds:           1) disparate treatment in the
    application of rules set out for objections that favored the defense; 2) the granting of USAA
    General’s motion in limine; 3) exclusion of the video footage; 4) the failure to give the
    requested jury instruction; 5) the exclusion of any mention of therapy and home health
    services that Caroline received; 6) failure to sustain the challenge for cause; and 7)
    improper line of questioning of Ms. Ambrose’s profit motives.
    {¶41} The trial court found the motion not well-taken.
    {¶42} Ms. Ambrose raises eight assignments of error on appeal:
    {¶43} “[1.]    The trial court erred by denying Plaintiff-Appellant’s Motion for
    Judgment Notwithstanding the Verdict or in the Alternative Motion for New Trial and
    Additur.
    {¶44} “[2.] The trial court erred by granting Defendants-Appellees’ Motion in
    limine barring any mention of insurance at trial.
    {¶45} “[3.] The trial court erred when it overruled Plaintiff-Appellant’s objection to
    Defendants-Appellees’ cross-examination of Mary Ambrose regarding her out of pocket
    expenses for medical bills.
    {¶46} “[4.]    The trial court erred by refusing to strike jurors for cause, and
    rehabilitating jurors who displayed a clear bias against Plaintiff-Appellant’s case.
    {¶47} “[5.] The trial court erred in ruling that direct footage of the underlying
    collision could not be authenticated by Defendant-Appellee.
    {¶48} “[6.] The trial court erred by denying a highly relevant and warranted “Egg
    Shell” jury instruction.
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    Case No. 2021-P-0108
    {¶49} “[7.] The trial court erred by overruling Plaintiff-Appellant’s objections to
    Defendants-Appellees’ perverse lines of questioning.
    {¶50} “[8.] The trial court erred by sustaining Defendants-Appellees’ objection to
    testimony regarding Caroline’s home health care.”
    {¶51} We address Ms. Ambrose’s assignments of error out of order because
    several, especially when taken in conjunction, are dispositive of this appeal.
    Motion for Judgment Notwithstanding the Verdict
    {¶52} In her first assignment of error, Ms. Ambrose contends the trial court erred
    in denying her “Motion for Judgment Notwithstanding the Verdict or in the Alternative
    Motion for New Trial and Additur.” More specifically, she argues the jury’s verdict was
    inadequate because the jury was misled by jury interrogatory no. 1 regarding causation
    and thus, failed to consider an element of damages established by admitted and
    uncontroverted expert testimony.
    {¶53} The Supreme Court of Ohio has explained the trial court’s task in ruling on
    a motion for JNOV pursuant to Civ.R. 50(B) in Posin v. A.B.C. Motor Court Hotel, Inc., 
    45 Ohio St.2d 271
    , 
    344 N.E.2d 334
     (1976):
    {¶54} “The test to be applied by a trial court in ruling on a motion for judgment
    notwithstanding the verdict is the same test to be applied on a motion for a directed
    verdict. The evidence adduced at trial and the facts established by admissions in the
    pleadings and in the record must be construed most strongly in favor of the party against
    whom the motion is made, and, where there is substantial evidence to support his side of
    the case, upon which reasonable minds may reach different conclusions, the motion must
    be denied. Neither the weight of the evidence nor the credibility of the witnesses is for
    the court’s determination in ruling upon either of the above motions.” Id. at 275.
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    Case No. 2021-P-0108
    {¶55} We review de novo a trial court’s ruling on a motion for JNOV, as it presents
    a question of law. Jack F. Neff Sand & Gravel, Inc. v. Great Lakes Crushing, Ltd., 11th
    Dist. Lake No. 2012-L-145, 
    2014-Ohio-2875
    , ¶ 48.
    {¶56} Alternatively, Ms. Ambrose argued for a new trial based on the weight of the
    evidence pursuant to Civ.R. 59(A).
    {¶57} In deciding a motion for a new trial based on the weight of the evidence, the
    trial court must weigh the evidence and pass upon the credibility of witnesses. The trial
    court’s weighing of the evidence, however, differs from that of the jury in that it is restricted
    to determining whether manifest injustice has been done and whether the verdict is,
    therefore, manifestly against the weight of the evidence. McWreath v. Ross, 
    179 Ohio App.3d 227
    , 
    2008-Ohio-5855
    , 
    901 N.E.2d 289
    , ¶ 68 (11th Dist.).
    {¶58} It is well settled in Ohio that “where the inadequacy of the verdict is so gross
    as ‘to shock the sense of justice and fairness,’ or where the amount of the verdict cannot
    be reconciled with the undisputed evidence in the case, or where it is apparent that the
    jury failed to include all the items of damage making up plaintiff’s claim, the judgment
    entered on such verdict may be set aside by a reviewing court as being manifestly against
    the weight of the evidence and contrary to law.” Sherer v. Smith, 
    85 Ohio App. 317
    , 322-
    323, 
    88 N.E.2d 426
     (6th Dist.1949).
    {¶59} As an appellate court, we review a trial court’s judgment on a Civ.R. 59
    motion for a new trial under an abuse of discretion standard. McWreath at ¶ 69. We will
    adhere to the principle that the granting or denying of a motion for a new trial rests within
    the sound discretion of the trial court and will not be disturbed upon appeal unless there
    has been an abuse of that discretion. 
    Id.
     See also Rohde v. Farmer, 
    23 Ohio St.2d 82
    ,
    
    262 N.E.2d 685
     (1970), paragraph one of the syllabus (where a trial court is authorized
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    Case No. 2021-P-0108
    to grant a new trial for a reason that requires the exercise of a sound discretion, the order
    granting a new trial may be reversed only upon a showing of abuse of discretion by the
    trial court).    An abuse of discretion is the trial court’s “‘failure to exercise sound,
    reasonable, and legal decision-making.’” State v. Beechler, 2d Dist. Clark No. 09-CA-54,
    
    2010-Ohio-1900
    , ¶ 62, quoting Black’s Law Dictionary 11 (8th Ed.2004).
    {¶60} To the extent, however, that the trial court’s decision granting or denying a
    new trial under Civ.R. 59(A) presents a question of law, we review the decision de novo.
    Rohde at paragraph two of the syllabus (“Where a new trial is granted by a trial court, for
    reasons which involve no exercise of discretion but only a decision on a question of law,
    the order granting a new trial may be reversed upon the basis of a showing that the
    decision was erroneous as a matter of law”).
    {¶61} After reviewing the trial testimony and the jury’s verdict, we agree with Ms.
    Ambrose that the jury clearly lost its way. Both experts opined that Caroline suffered at
    least two injuries as a direct and proximate result of the collision - a skin tear and a pelvic
    fracture. Both experts testified that such a fracture takes at least six to eight weeks to
    heal. In addition, there was Mrs. Williamson’s testimony regarding the collision and
    evidence from emergency room records documenting new injuries resulting from the
    accident.       Testimony from her family members and friends regarding Caroline’s
    complaints of pain and suffering and her physical limitations for a period of time was
    supported by medical evidence provided by both medical experts.
    {¶62} In Evans v. Hunter, 5th Dist. Richland No. 17CA61, 
    2018-Ohio-1498
    , the
    Fifth District held that the trial court erred in denying appellant’s motion for a new trial
    because there was uncontroverted evidence by all the experts, including the defense
    expert, that the appellant received treatment on certain dates, including the emergency
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    Case No. 2021-P-0108
    room, for injuries that were caused by the motor vehicle accident. Id. at ¶ 36. Thus, the
    jury awarded inadequate damages, and the verdict was not supported by competent,
    credible evidence. Id. At a minimum, the appellant “was entitled to compensation for the
    dates conceded by the defense expert and the jury clearly lost its way in rendering its
    verdict.” Id.
    {¶63} As the Evans court noted, this is not a situation where there was no
    evidence of injury or where the testimony of plaintiff’s expert was impeached by defense
    counsel. Id. at ¶ 34. “[I]t is not only the [plaintiff’s] expert, but also [the defendant’s]
    expert, who opines, based upon medical records, imaging, and clinical findings, that he
    was able to render a ‘pretty clear-cut opinion’ that certain medical treatment was
    necessitated by the crash.” Id.
    {¶64} In McWreath, 
    supra,
     we affirmed the trial court’s granting of appellant’s
    motion for a new trial after a jury awarded zero damages in a personal injury accident
    because there was uncontroverted evidence that appellant’s injuries were caused by the
    automobile accident. We explained that “‘[w]hen the evidence is “uncontroverted,” the
    record reflects that there is no rebuttal evidence at all, looking at the entire range of
    evidence presented at trial.      “Rebuttal evidence” is evidence that explains, repels,
    counteracts, or disproves facts given in evidence by the adverse party.’” Id. at ¶ 83,
    quoting McCabe v. Sitar, 7th Dist. Belmont No. 06 BE 39, 
    2008-Ohio-3242
    , ¶ 23.
    {¶65} We recognize that a trier of fact is not required to believe an expert giving
    the testimony. McWreath at ¶ 85. Indeed, a jury is free to reject any evidence and is not
    required to accept evidence simply because it is uncontroverted, unimpeached or
    unchallenged. See Ace Steel Baling, Inc. v. Porterfield, 
    19 Ohio St.2d 137
    , 138, 
    249 N.E.2d 892
     (1969). However, even if the jury did not believe Caroline’s treating physician,
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    the evidence in this case still reflected that Mrs. Williamson negligently backed into
    Caroline’s shopping cart, which pushed Caroline to the ground. She was rushed to the
    emergency room, where she was diagnosed with at least a skin tear and a pelvic fracture
    as a result of the collision. The defense medical expert conceded that these injuries were
    a direct and proximate result of this accident; that these injuries resulted in some pain;
    and that these injuries took at least six to eight weeks to heal.
    {¶66} Our review of the record further reveals that there are no “objectively
    discernable reasons why the jury may have rejected the expert medical testimony” in this
    case. Argie v. Three Little Pigs, Ltd., 10th Dist. Franklin No. 11AP-437, 
    2012-Ohio-667
    ,
    ¶ 18 (finding there were several objectively discernable reasons for the jury’s verdict and
    the jury was not required to accept the medical expert’s letter as definitive evidence of
    causation).
    {¶67} Albeit in the context of damages and not proximate cause, in Cooper v.
    Moran, 11th Dist. Lake No. 2010-L-141, 
    2011-Ohio-6847
    , we held that the trial court erred
    in denying the appellants’ motion for a new trial where there was obvious and
    uncontradicted evidence that Mr. Cooper, one of the appellants, experienced pain and
    suffering as a result of a motor vehicle accident. Id. at ¶ 22. The jury’s award reimbursing
    Mr. Cooper solely for economic damages, without at least some damages awarded for
    pain and suffering, was “so manifestly contrary to the natural and reasonable inference
    to be drawn from the evidence as to produce a result in complete violation of substantial
    justice.” Id., quoting Farkas v. Detar, 
    126 Ohio App.3d 795
    , 807-808, 
    711 N.E.2d 703
    (9th Dist.1998).
    {¶68} Likewise in Berardo v. Felderman-Swearingen, 1st Dist. Hamilton No. C-
    200227, 
    2020-Ohio-4271
    , the trial court abused its discretion by denying a new trial with
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    respect to one of the appellants because there was uncontroverted evidence that she
    experienced pain and suffering as a result of the injuries sustained in the accident. Id. at
    ¶ 33. Thus, the jury’s award of medical expenses without pain and suffering was against
    the manifest weight of the evidence. Id.
    {¶69} Similarly in this case, a review of the evidence reveals no controversy with
    respect to two separate injuries and that each was proximately caused by the collision.
    The jury’s verdict is simply not supported by “some competent, credible evidence” going
    to the “essential elements of the case.” C.E. Morris Co. v. Foley Constr. Co., 
    54 Ohio St.2d 279
    , 280, 
    376 N.E.2d 578
     (1978). Clearly, the jury lost its way by failing to include
    all items making up the plaintiff’s case and were confused as to the issue of proximate
    cause. See Mensch v. Fisher, 11th Dist. Portage No. 2002-P-0055, 
    2003-Ohio-5701
    , ¶
    16. Thus, the jury never determined the amount if any, of noneconomic damages to which
    Caroline was entitled from her injuries sustained in the collision.
    {¶70} Ms. Ambrose’s first assignment of error has merit and is sustained. The
    trial court should have granted Ms. Ambrose’s “Motion for Judgment Notwithstanding the
    Verdict or in the Alternative Motion for New Trial and Additur.”
    Jury Instruction
    {¶71} In Ms. Ambrose’s sixth assignment of error, she challenges the trial court’s
    denial of her proposed “Egg Shell” jury instruction.
    {¶72} Requested jury instructions should be given if they are (1) correct
    statements of the applicable law, (2) relevant to the facts of the case, and (3) not included
    in the general charge to the jury. Thompson v. Smith, 11th Dist. Trumbull No. 2010-T-
    0047, 
    2011-Ohio-1587
    , ¶ 42. An appellate court is to review a trial court’s decision
    regarding a jury instruction to determine whether the trial court abused its discretion. 
    Id.
    17
    Case No. 2021-P-0108
    {¶73} In other words, when the facts and evidence in a case support the requested
    instruction, and the instruction is a correct statement of the law, the court may not refuse
    to give the instruction. However, a trial court’s failure to give a proposed jury instruction
    is reversible error only if the party demonstrates that it was prejudiced by the trial court’s
    refusal to give the proposed instruction. Gevelaar v. Millennium Inorganic Chems., 11th
    Dist. Ashtabula No. 2012-A-0013, 
    2013-Ohio-435
    , ¶ 16.
    {¶74} The “eggshell” or “thin skull” doctrine evolved in the context of preexisting
    injuries to provide that if a defendant’s wrongful act causes injury, the defendant is fully
    liable for the resulting damage even though the injured plaintiff had a preexisting condition
    that made the consequences of the wrongful act more severe than they would have been
    for a plaintiff without a preexisting condition or injuries. Daniels v. Northcoast Anesthesia
    Providers, Inc., 
    2018-Ohio-3562
    , 
    120 N.E.3d 52
    , ¶ 42 (8th Dist.).
    {¶75} In Daniels, the court further explained that a “[a] tortfeasor is fully liable for
    any damages resulting from its wrongful act even if the victim had a preexisting condition
    that made the consequences of the wrongful act more severe for him than they would
    have been for a person without the condition. Meyers v. Wal-Mart Stores, E., Inc., 
    257 F.3d 625
    , 632 (6th Cir.2001); Figueroa-Torres v. Toledo-Davila, 
    232 F.3d 270
    , 275-276
    (1st Cir.2000); Jordan v. Atchison, Topeka & Santa Fe Ry. Co., 
    934 F.2d 225
    , 228-229
    (9th Cir.1991). While it is a truism that the tortfeasor ‘takes his victim as he finds him,’
    Binns v. Fredendall, 
    32 Ohio St.3d 244
    , 246, 
    513 N.E.2d 278
     (1987), the eggshell skull
    rule states only that the tortfeasor may not escape or reduce liability because the victim’s
    preexisting condition made the victim more susceptible of injury from the tortfeasor’s
    conduct.” Id. at ¶ 43.
    18
    Case No. 2021-P-0108
    {¶76} There is no requirement that only pattern Ohio Jury Instructions must be
    given. Indeed, any jury instructions “‘must be given when they are correct, pertinent, and
    timely presented.’” Daniels at ¶ 48, quoting State v. Joy, 
    74 Ohio St.3d 178
    , 181, 
    657 N.E.2d 503
     (1995). Most fundamentally, the instructions found in Ohio Jury Instructions
    are not mandatory but rather are recommended instructions based primarily upon case
    law and statutes. Callahan v. Akron Gen. Med. Ctr., 9th Dist. Summit No. Civ.A. 22387,
    
    2005-Ohio-5103
    , ¶ 10.
    {¶77} Taken in conjunction with jury interrogatory no. 1, dealing with proximate
    cause, the lack of an instruction on the “Eggshell” plaintiff prejudiced and misled the jury
    in this case. With the benefit of such an instruction, which was a correct statement of the
    applicable law, relevant to the facts of the case, and not included in the general charge
    to the jury, the issue of proximate cause may have been clarified and the jury not led so
    astray in its verdict.
    {¶78} Ms. Ambrose’s sixth assignment of error has merit and is sustained.
    Objections
    {¶79} We address Ms. Ambrose’s third, seventh, and eighth assignments of error
    together since they deal with various objections from both parties during various points of
    Ms. Ambrose’s testimony. In Ms. Ambrose’s third assignment of error, she contends the
    trial court erred when it overruled her objection to defense counsel’s cross-examination
    regarding her own and her family’s out of pocket expenses for Caroline’s medical bills. In
    her seventh assignment of error, Ms. Ambrose contends the trial court erred by overruling
    her objections to defense counsel’s “perverse” line of questioning regarding her motives
    in pursuing the instant case on behalf of Caroline’s estate. In her eighth assignment of
    19
    Case No. 2021-P-0108
    error, Ms. Ambrose contends the trial court erred by sustaining defense counsel’s
    objection to testimony regarding Caroline’s home health care.
    {¶80} “‘The scope of cross-examination and the admissibility of evidence during
    cross-examination are matters which rest in the sound discretion of the trial judge. Thus,
    when the trial court determines that certain evidence will be admitted or excluded from
    trial, it is well established that the order or ruling of the court will not be reversed unless
    there has been a clear and prejudicial abuse of discretion.’” Calderon v. Sharkey, 
    70 Ohio St.2d 218
    , 222, 
    436 N.E.2d 1008
     (1982), quoting O’Brien v. Angley, 
    63 Ohio St.2d 159
    , 163, 
    407 N.E.2d 490
     (1980).
    {¶81} We note that where the decision to admit evidence is a purely legal one, as
    it involves solely a question of law, our standard of review is de novo. Rilley v. Brimfield
    Twp., 11th Dist. Portage No. 2009-P-0036, 
    2010-Ohio-5181
    , ¶ 56.
    Objection to Questioning of Ms. Ambrose’s Payment of Medical Bills
    {¶82} Prior to trial, the magistrate granted defense counsel’s motion to allow the
    defense to introduce the actual charges of the medical providers, the amounts of the
    “write-offs” and the amounts accepted as payment in full by the medical providers. These
    amounts are commonly referred to as the “Robinson Bates” numbers.
    {¶83} In Robinson v. Bates, 
    112 Ohio St.3d 17
    , 
    2006-Ohio-6362
    , 
    857 N.E.2d 1195
    , the Supreme Court of Ohio held that “[b]oth an original medical bill rendered and
    the amount accepted as full payment are admissible to prove the reasonableness and
    necessity of charges rendered for medical and hospital care.” (Emphasis added.) 
    Id.
     at
    paragraph one of the syllabus. The court explained that “the reasonable value of medical
    services is a matter for the jury to determine from all relevant evidence. Both the original
    medical bill rendered and the amount accepted as full payment are admissible to prove
    20
    Case No. 2021-P-0108
    the reasonableness and necessity of charges rendered for medical and hospital care.”
    (Emphasis added.) Id. at ¶ 17. The issues of the reasonableness and necessity of the
    medical charges were never at issue in this case. Ms. Ambrose tactically chose not to
    offer any evidence of hospital and medical expenses as an element of damages, and the
    defense did not introduce expenses in its case in chief.
    {¶84} However, on cross-examination, defense counsel elicited testimony from
    Ms. Ambrose that she did not personally pay for any of her mother’s medical bills and that
    they were paid by Caroline’s Medicare coverage. While attempting to cross-examine Ms.
    Ambrose about what the treating physician, Dr. Mineo, told her at an office visit and
    whether her mother had any other medical treatment after seeing Dr. Mineo in July 2018,
    Ms. Ambrose replied that she was unsure how to respond because of the trial court’s
    earlier ruling precluding her from testifying about home health care. Defense counsel
    interjected, “and your mother, of course, was charged for treatment that she had with
    various doctors, correct?” Ms. Ambrose’s counsel objected since it was outside the scope
    of anything appellants had introduced. The trial court overruled the objection, and despite
    repeated objections, the trial court permitted the questioning to continue about her
    mother’s status as a Medicare beneficiary and the fact that neither Ms. Ambrose nor any
    of the family had to pay any medical bills.
    {¶85} As our review reveals, this line of questioning was outside the permissible
    scope of cross-examination. It was irrelevant, and prejudicial, most especially where the
    jury was being asked to determine noneconomic damages, such as pain and suffering,
    and not to determine the amount of hospital and medical expenses as a separate element
    of damage. See Evid.R. 611(B). “Pain and suffering are subjective feelings, [and] the
    injured person’s testimony is the only direct proof of such damages. * * * Therefore, lay
    21
    Case No. 2021-P-0108
    testimony is sufficient by itself to prove past pain and suffering damages.” Burton v.
    Dutiel, 
    2015-Ohio-4134
    , 
    43 N.E.3d 874
    , ¶ 91 (5th Dist.), quoting Youssef v. Jones, 
    77 Ohio App.3d 500
    , 505, 
    602 N.E.2d 1176
     (6th Dist.1991).
    {¶86} In Stone v. Patarini, 9th Dist. Lorain No. 98CA007242, 
    2000 WL 799102
    (June 21, 2000), the Ninth District held that the trial court did not abuse its discretion in
    excluding medical bills as proof of severity of injury. Id. at *3. The court determined that
    the appellant testified herself as to her pain and suffering, the extent of the medical
    treatment she received, and the physical limitations that resulted from her injuries, in
    addition to her treating physician, who testified to her injuries and the treatment involved.
    Id. Thus, the medical bills had “little probative value” to establish the extent of the
    appellant’s injuries that was not established by other sources. Id.
    {¶87} Similarly here, the questioning on Ms. Ambrose’s payments of her mother’s
    medical bills had little probative value in determining the amount, if any, of Caroline’s pain
    and suffering. Further, the line of questioning was highly prejudicial and most likely sowed
    the seeds of confusion with discussion of economic loss in a case dealing only with non-
    economic loss.
    Objection to Questioning of Ms. Ambrose’s Motives
    {¶88} In her seventh assignment of error, Ms. Ambrose contends defense
    counsel’s cross-examination regarding her love affair during her twenties with a famous
    rock star and her subsequent lawsuit against the rock star’s estate, as well as his
    questioning about who stood to benefit from a jury award in this case and her personal
    motives for pursuit of the lawsuit, i.e., whether she was pursuing it for profit, were highly
    prejudicial.
    22
    Case No. 2021-P-0108
    {¶89} We agree this line of collateral questioning was, as reflected by the jury’s
    verdict, highly prejudicial. The questioning about her relationship with the rock star and
    her litigation regarding his estate was irrelevant to the issues to be determined by this
    jury, and when combined with a line of questioning as to who would benefit from any
    award in this case became prejudicial, particularly in light of Ms. Ambrose’s fiduciary
    duties as the executor of her mother’s estate.
    {¶90} In Johnson v. Kehl, 
    2021-Ohio-2305
    , 
    174 N.E.3d 1282
     (5th Dist.), a motor
    vehicle accident case, the Fifth District found defense counsel’s cross-examination of the
    plaintiff regarding why the appellant moved out of his mother’s house, whether he was
    evicted, his previous employment that ended in termination, his driving record that
    involved several motor vehicle accidents, and his truthfulness to be highly irrelevant and
    prejudicial. Taken as a whole, the questioning resulted in cumulative error, and the case
    was remanded for a new trial. The court aptly remarked, “The issue in this case was the
    nature and extent of appellant’s injuries caused by appellee’s admitted negligence and
    any compensation due. These cases are generally determined on the testimony and
    credibility of the complaining witness and the opposing expert medical witnesses. The
    defense strategy in this case was to attack the complaining witness and destroy his
    credibility, but in so doing, it went beyond credibility and attacked his character as well
    outside the scope of Evid.R. 404 and 608. Appellant was placed on trial in this case.” Id.
    at ¶ 41.
    {¶91} As in Johnson, the line of cross-examination in this case rose beyond a
    challenge to Ms. Ambrose’s credibility to the level of an assault on her character, which
    constitutes reversible error. The line was crossed when defense counsel delved into
    details of her relationship with the rock star and her current spouse:
    23
    Case No. 2021-P-0108
    {¶92} “Q. How are you involved with Robert Palmer’s estate?
    {¶93} “A. We lived together. He was separated from his wife. He divorced her,
    took many years to get that over with. And then we lived together in Switzerland.
    {¶94} “Q. Okay. Were you with him when he died?
    {¶95} “A. Yes, I was, in Paris.
    {¶96} “Q. Was he engaged to Geraldine Edwards at that time?
    {¶97} “A. No.
    {¶98} “Q. Okay. And you were not just his housekeeper there?
    {¶99} “A. No.
    {¶100} “Q. All right. Were you common law married?
    {¶101} “A. We were -- yeah, I was a de facto spouse. We lived together for so
    long.
    {¶102} “Q. Okay. And you told me I think in your deposition that was your love of
    your life?
    {¶103} “A. Yeah.
    {¶104} “Q. Yeah?
    {¶105} “A. Yes.
    {¶106} “Q. Right? Okay. And you’re currently married now?
    {¶107} “A. Yes, I am.
    {¶108} “Q. And what’s your husband’s name?
    {¶109} “A. Marcel Boast.
    {¶110} “Q. Okay. How does he feel about him not being the love of your life?”
    24
    Case No. 2021-P-0108
    {¶111} This reality TV line of questioning’s sole purpose was to distract from the
    two issues for jury determination – proximate cause and the extent of noneconomic
    damages suffered by Caroline.
    Defense Counsel’s Objection to Questioning of Home Health Care
    {¶112} Lastly, Ms. Ambrose contends in her eighth assignment of error that the trial
    court erred by sustaining defense counsel’s objections to her testimony regarding
    Caroline’s home health care on the ground the defendants never received any records of
    the home care and, thus, did not have the ability to cross-examine the witness about the
    care. More specifically, Ms. Ambrose’s counsel asked whether she remembered “home
    health or some sort of home assistance coming?” She further argued to the court that
    Ms. Ambrose should have been allowed to testify to her own recollection, regardless of
    whether the home health records were offered into evidence. The magistrate sustained
    defense counsel’s objection.
    {¶113} While the simple question of whether she recollected seeing home health
    care being given to her mother should have been permitted, we cannot say that any error
    in sustaining the objection amounted to prejudicial error, particularly when the jury heard
    testimony from Ms. Ambrose’s sister about home health care. See Smith v. Peyatt, 11th
    Dist. Trumbull No. 3759, 
    1988 WL 45173
    , *7 (May 6, 1988) (“While the court erred in
    sustaining the objection on this point, we do not perceive this to be prejudicial error”).
    {¶114} We find Ms. Ambrose’s third and seventh assignments of error to have
    merit, and they are sustained.
    25
    Case No. 2021-P-0108
    Video Footage of the Collision
    {¶115} In Ms. Ambrose’s fifth assignment of error, she contends the trial court erred
    in ruling that security camera video footage of the collision could not be authenticated by
    Mrs. Williamson.
    {¶116} The admission of photographic evidence is left to a trial court’s sound
    discretion. Reinoehl v. Trinity Universal Ins. Co., 
    130 Ohio App.3d 186
    , 194, 
    719 N.E.2d 1000
     (10th Dist.1998). Moreover, reviewing courts should be slow to interfere with a trial
    court’s determination concerning the admissibility of evidence unless the court has clearly
    abused its discretion and the party has been materially prejudiced. 
    Id.
    {¶117} Pursuant to Evid.R. 901(A), “The requirement of authentication or
    identification as a condition precedent to admissibility is satisfied by evidence sufficient
    to support a finding that the matter in question is what its proponent claims.” Subsection
    (B) sets forth illustrations of authentication conforming with the rule, including testimony
    that a matter is what it is claimed to be (Evid.R. 901(B)(1)) and distinctive characteristics
    taken in conjunction with the circumstances (Evid.R. 901(B)(4)).
    {¶118} Photographic evidence, including videotapes, can be admitted under a
    “‘pictorial testimony’” theory or a “‘silent witness’” theory. Midland Steel Prods. Co. v.
    U.A.W. Local 486, 
    61 Ohio St.3d 121
    , 129-130, 
    573 N.E.2d 98
     (1991), quoting Fisher v.
    State, 
    7 Ark.App. 1
    , 5, 
    643 S.W.2d 571
     (1982). Under the pictorial testimony theory,
    evidence is admissible “‘when a sponsoring witness can testify that it is a fair and accurate
    representation of the subject matter, based on that witness’ personal observation.’” Id. at
    129, quoting Fisher at 6. The person who took the photograph or video need not testify
    as long as the witness who does testify verifies that it is a “fair and accurate depiction.”
    State v. Freeze, 12th Dist. Butler No. CA2011-11-209, 
    2012-Ohio-5840
    , ¶ 66. Testimony
    26
    Case No. 2021-P-0108
    from an individual with personal knowledge of the surveillance system’s recording
    process is not required. See State v. Vermillion, 4th Dist. Athens No. 15CA17, 2016-
    Ohio-1295, ¶ 17, 20.
    {¶119} Under these circumstances, we agree with Ms. Ambrose that the video
    footage of the underlying collision was self-authenticating and that the trial court should
    have admitted the video. Mrs. Williamson identified herself, the location, and the incident
    and confirmed the footage was a “fair and accurate depiction” of the scene and of events.
    For example, in State v. Johnson, 
    140 Ohio App.3d 385
    , 
    747 N.E.2d 863
     (1st Dist.2000),
    the First District disagreed with the defendant’s argument that the state failed to properly
    authenticate a video that purported to show the defendant engaging in an illegal drug
    transaction. Id. at 393-394. The court noted that the officer who had been present during
    the drug transaction testified that the videotape “fairly and accurately depicted the events
    that occurred in the warehouse on the date in question.” Id. at 393. See also State v.
    Farrah, 10th Dist. Franklin No. 01AP-968, 
    2002 WL 576110
    , *5 (Apr. 18, 2002) (testimony
    of investigating officer was sufficient to support a finding that the videotape was genuine
    and accurately depicted the store at the time of the robbery).
    {¶120} Thus, Ms. Ambrose satisfied the low threshold necessary to demonstrate
    authenticity of the surveillance footage, and the trial court abused its discretion by failing
    to admit the video.
    {¶121} Ms. Ambrose’s fifth assignment of error has merit and is sustained.
    Motion in Limine Barring Any Mention of Insurance at Trial
    {¶122} In her second assignment of error, Ms. Ambrose contends the trial court
    erred by granting USAA General’s motion in limine barring any mention of insurance at
    trial. She argues that this allowed USAA General, her mother’s own insurance carrier, to
    27
    Case No. 2021-P-0108
    “hide behind the veil” of Mrs. Williamson at trial. She further contends that the presumed
    prejudicial effect that evidence of insurance coverage has on juries in determining liability
    does not apply in this case and that USAA General should have been identified to express
    to the jury that it had a “contractual and moral responsibility to provide for Caroline’s
    injuries.”
    {¶123} A determination as to the admissibility of evidence is a matter within the
    sound discretion of the trial court. Columbus v. Taylor, 
    39 Ohio St.3d 162
    , 164, 
    529 N.E.2d 1382
     (1988); see also Calderon, supra. Indeed, “[t]he issue of whether testimony
    is relevant or irrelevant, confusing or misleading, is best decided by the trial judge who is
    in a significantly better position to analyze the impact of the evidence on the jury.” Taylor
    at 164. Consequently, a reviewing court will not reverse a lower court’s determination as
    to the admissibility of evidence absent an abuse of discretion. As noted earlier, where
    the decision to admit evidence is purely a legal one since it involves solely a question of
    law, our standard of review is de novo. Rilley, supra, at ¶ 56.
    {¶124} In Gaul v. Westfield Natl. Ins. Co., 11th Dist. Lake No. 97-L-278, 
    1999 WL 689942
     (Aug. 20, 1999), we addressed this issue directly, explaining:
    {¶125} “As appellant contends, it is true that an action by an insured against its own
    insurance carrier for payment of underinsured motorist benefits is a cause of action
    sounding in contract. Miller v. Progressive Cas. Ins. Co. (1994), 
    69 Ohio St.3d 619
    , 624,
    
    635 N.E.2d 317
    ; Motorists Mutl. Ins. Co. v. Tomanski (1971), 
    27 Ohio St.2d 222
    , 223-
    224, 
    271 N.E.2d 924
    . Nevertheless, before an insured is legally entitled to recover under
    the insurance contract, the insured bears the burden of proving the elements of his or her
    claim as to the tortfeasor. Kurrent v. Farmers Ins. of Columbus, Inc. (1991), 
    62 Ohio St.3d 242
    , 245, 
    581 N.E.2d 533
    . Thus, the insured bears the burden of proving the amount of
    28
    Case No. 2021-P-0108
    damages. Id. at 245-246, 
    581 N.E.2d 533
    . The insured also bears the burden of
    demonstrating that her injuries were proximately caused by the negligence of the
    tortfeasor.” Id. at *3.
    {¶126} Thus, we could not find that the trial court erred by initially proceeding on a
    tort theory of liability and excluding the issue of insurance from the jury: “Appellant was
    required to prove her case as if she were proceeding against the tortfeasor directly. As
    such, appellant bore the burden of proving that her injuries were proximately caused by
    the accident and of proving the extent of her damages. Any contractual issues are
    irrelevant and premature until the liability and damage issues are resolved as to the
    tortfeasor.” Id.
    {¶127} Ms. Ambrose contends that the issue of insurance could be offered to prove
    another issue at trial, such as to rebut the improper questioning as to her motives in
    pursuing this case. In this case, however, the jury’s only role was to determine proximate
    cause and the extent of any personal injury damage sustained by Ms. Ambrose as a result
    of the accident. See id.
    {¶128} We fail to see why it was “critical” for Ms. Ambrose “to express to the jury
    that Defendant USAA had contractual and moral responsibility for Caroline’s injuries”
    when USAA General’s contractual obligation is not materially relevant to the tort issues
    being tried. Countering the profiteering motive defense with evidence of insurance would
    have only layered error upon error.
    {¶129} Ms. Ambrose contends two Supreme Court of Ohio opinions support her
    position, i.e., Ede v. Atrium S. OB-GYN, Inc., 
    71 Ohio St.3d 124
    , 
    642 N.E.2d 365
     (1994),
    and Davis v. Immediate Med. Servs., Inc., 
    80 Ohio St.3d 10
    , 
    684 N.E.2d 292
     (1997).
    These cases, however, deal with the issue of experts who have a financial bias to testify
    29
    Case No. 2021-P-0108
    favorably for the defense. Thus, in Ede, the Supreme Court held that [i]In a medical
    malpractice action, evidence of a commonality of insurance interests between a
    defendant and an expert witness is sufficiently probative of the expert’s bias as to clearly
    outweigh any potential prejudice evidence of insurance might cause.” 
    Id.
     at syllabus. In
    Davis, the Supreme Court reiterated its holding in Ede and took the financial bias of
    defense experts a step further, holding that “[w]here an expert has a financial incentive to
    be biased, the jury may determine whether that bias exists and how that bias affects all
    defendants who are contesting similar issues and who benefit from the expert’s testimony,
    regardless of commonality of insurance.” 
    Id.
     at paragraph three of the syllabus. The
    issues in Ede and Davis are not relevant to this case. The “contractual and moral
    responsibility” of USAA General to provide for Caroline’s injuries was simply not an issue
    at trial and was irrelevant to the issues the jury was being asked to decide.
    {¶130} Ms. Ambrose’s second assignment of error is without merit.
    Juror Bias
    {¶131} Lastly, we consider Ms. Ambrose’s fourth assignment of error, in which she
    contends the trial court erred by refusing to strike jurors for cause who displayed a clear
    bias against her case.
    {¶132} The determination of whether a prospective juror should be disqualified for
    cause is a discretionary function of the trial court. Such determination will not be reversed
    on appeal absent an abuse of discretion. Berk v. Matthews, 
    53 Ohio St.3d 161
    , 
    559 N.E.2d 1301
     (1990), at syllabus.
    {¶133} As our review of the trial transcript reveals, a number of jurors had difficulty
    with the plaintiff’s burden, i.e., a preponderance of the evidence. The first juror who
    struggled in the end stated her feeling about the concept of how “tipping the scales” would
    30
    Case No. 2021-P-0108
    depend on the evidence.        The second juror did offer a definitive bias against the
    preponderance standard and was excused for cause. The third and fourth challenged
    jurors ultimately agreed that they would follow the law as instructed by the trial court.
    {¶134} “As long as a trial court is satisfied, following additional questioning of the
    prospective juror, that the juror can be fair and impartial and follow the law as instructed,
    the court need not remove that juror for cause.” Westfall v. Aultman Hosp., 2017-Ohio-
    1250, 
    87 N.E.3d 735
    , ¶ 57 (5th Dist.), quoting Giusti v. Felten, 9th Dist. Summit No. 26611
    & 26695, 
    2014-Ohio-3115
    , ¶ 7; see Berk at 169.
    {¶135} The trial court found that those jurors who initially and definitively wanted a
    higher standard of proof agreed they could be fair impartial, and follow the law as
    instructed. Tactically, Ms. Ambrose’s counsel exercised her peremptory challenges and
    simply ran out of peremptory challenges. Under these circumstances, we cannot find the
    trial court abused its discretion.
    {¶136} Ms. Ambrose’s fourth assignment of error is without merit.
    {¶137} The judgment of the Portage County Court of Common Pleas is reversed,
    and this matter is remanded for a new trial in accordance with this opinion.
    MATT LYNCH, J.,
    JOHN J. EKLUND, J.,
    concur.
    31
    Case No. 2021-P-0108