In my last post on this subject, I discussed the incredibly rare, recent jury verdict of $12 million that was awarded in a case involving a Norfolk County car accident. Almost all of Massachusetts, and especially Norfolk County, is notorious for finding against plaintiffs in Massachusetts personal injury lawsuits, so this verdict was widely noticed. Much of the reason for that very large and rare verdict amount, had to do with the perception that the defendant and his grandparents were not testifying truthfully in the case. But the other, equally important reason, was a legal doctrine known as “Negligent Entrustment.”
You’ll note from Part One of this post, that the driver of the car (Vittorio C. Gentile, Jr.) who injured the plaintiffs (in this case Douglas and Joseph Homsi,) was driving a 1999 Lexus SUV owned by his grandparents, Lydia and Vittorio Gentile. The younger Gentile had been found criminally responsible for the head-on collision in a criminal prosecution, and served jail time for that conviction. Evidence in the case showed that the younger Gentile had the tacit permission of his grandparents to use their car the night of this accident (evidence showed that they made the car keys available to him, and that he had driven their car in the two days preceding the accident.) Normally, in such a situation involving “permissive use,” the owner’s automobile insurance policy would provide coverage up to the policy limits on that vehicle, and if a jury verdict or pre-trial settlement was reached that exceeded the limits of that auto policy, it might be possible to pursue the vehicle owner’s homeowner’s policy and any umbrella coverage provided by that homeowner’s policy. And normally, it would be the driver’s conduct and actions that would guide a jury to determine liability and the extent of any damages. But in an odd twist, in this case it was the conduct of the driver’s grandparents that caused this jury to return the verdict that they did. This was largely because of the doctrine of Negligent Entrustment.
You see, evidence was introduced to show that Vittorio’s grandparents were well aware of his horrid driving record, together with his general personal history, which apparently did not reflect a high level of responsibility. Despite this, they made their car available to him. In court documents, it was revealed that the elder Gentiles denied that they were in any way aware of their grandson’s poor driving record, and also denied that they had either made their car available to him for his use, or that they gave him permission to drive it. Fortunately for the plaintiffs, their lawyer was smart enough to obtain documents that showed: 1) Not only were the grandparents aware of their grandson’s record of previous driving accidents, they were so aware of it that they held a special meeting with their auto insurance agent, following high premium surcharges they were paying due to their grandson’s inclusion on their policy as a “covered driver.” The plaintiffs’ attorneys alleged that the younger Gentile had been hit with so many surcharges for operator citations, license suspensions and accidents dating back to 1997, that his grandparents had him removed him from their insurance policy even though other grandchildren were still covered and permitted to use their vehicles. It was reported that video deposition testimony of the insurance agent who issued multiple auto vehicle policies for the grandparents proved this, and was especially damaging to the grandparents’ claim that they had no idea their grandson was a high-risk driver. This evidence established knowledge and awareness on the grandparents’ part of the dangerous driving record of the defendant.