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Case A21A0559 Filed 12/18/2020 Page 2 of 48 TABLE OF CONTENTS TABLE OF CONTENTS ...................................................................... 2 TABLE OF AUTHORITIES ................................................................ 4 INTRODUCTION ................................................................................ 9 Questions Presented. ..................................................................... 9 PART ONE: STATEMENT OF FACTS ............................................ 11 Hard work “is comfort.” .............................................................. 12 A “catastrophic” collision—like being hit by a “massive locomo- tive”—causes permanent injuries. .............................................. 12 Whether Cypress insured the Grays is, they argue, an “issue[] for determination by the jury.” ......................................................... 14 Cypress demands more evidence of insurance. .......................... 17 “I wouldn’t call any of you prejudice[d].” .................................... 20 PART TWO: ARGUMENT AND CITATION OF AUTORITIES ..... 22 Standards of Review .................................................................... 23 Argument ...................................................................................... 25 I. The Grays and Cypress induced, acquiesced in, and waived their first enumeration. ....................................................... 25 A. The Grays and Cypress induced argument about insur- ance, listing it as a jury issue in the pretrial order. ... 25 B. The Grays and Cypress acquiesced in argument about insurance by introducing evidence of insurance and by arguing it themselves. .................................................. 26 C. The Grays and Cypress waived any objection to argu- ment about insurance by failing to properly object. ... 27 —2— Case A21A0559 Filed 12/18/2020 Page 3 of 48 II. Even if the Grays and Cypress had preserved their first enu- meration for appeal, they cannot show plain error or an abuse of discretion. ............................................................. 29 A. In direct actions against insurers, evidence of insurance is required. .................................................................... 29 B. In direct actions against insurers, evidence of insurance is admissible. ................................................................ 32 C. The Grays and Cypress admitted that there was no prejudice and have no proof of prejudice. ................... 35 D. The Grays and Cypress are not entitled to review and cannot show plain error or an abuse of discretion. ..... 39 III. Verner’s tax records are irrelevant and inadmissible—espe- cially since he did not claim lost wages. ............................. 43 CONCLUSION ................................................................................... 46 —3— Case A21A0559 Filed 12/18/2020 Page 4 of 48 TABLE OF AUTHORITIES Cases Pages Andrews v. Yellow Freight Sys., Inc., 262 Ga. 476 (1992) .............................................................. 30, 32 Ashley v. Goss Bros. Trucking, 269 Ga. 449 (1998) .................................................................... 38 Auto-Owners Ins. Co. v. Dolan, 342 Ga. App. 179 (2017) ........................................................... 36 Borenstein v. Blumenfeld, 151 Ga. App. 420 (1979) ........................................................... 43 Braithwaite v. State, 275 Ga. 884 (2002) .................................................................... 28 Capes v. Bretz, 195 Ga. App. 467 (1990) ........................................................... 26 Carolina Cas. Ins. Co. v. Davalos, 246 Ga. 746 (1980) .................................................................... 36 Cham v. ECI Mgmt. Corp., 353 Ga. App. 162 (2019) ........................................................... 36 Cherokee Nat’l Life Ins. Co. v. Eason, 276 Ga. App. 183 (2005) ........................................................... 26 Chrysler Grp., LLC v. Walden, 303 Ga. 358 (2018) ..................................... 24, 33, 36, 39, 40, 41 Dagne v. Schroeder, 336 Ga. App. 36 (2016) ............................................................. 24 Denton v. Con-Way S. Exp., Inc., 261 Ga. 41 (1991) ................................................................ 36, 37 Dodd v. Dodd, 224 Ga. 746 (1968) .................................................................... 25 —4— Case A21A0559 Filed 12/18/2020 Page 5 of 48 Fuller v. Flash Foods, Inc., 298 Ga. App. 217 (2009) ........................................................... 11 Gates v. State, 298 Ga. 324 (2016) .................................................. 24, 39, 40, 41 Grissom v. Gleason, 262 Ga. 374 (1992) .................................................................... 36 Harper v. Hurlock, 281 Ga. App. 265 (2006) ..................................................... 25–26 Hill v. State, No. S20A0781, 2020 WL 6122196 (Ga. Oct. 19, 2020) ............ 39 Hooks v. Cobb Ctr. Pawn & Jewelry Brokers, Inc., 241 Ga. App. 305 (1999) .......................................................... 34 Jackson v. Sluder, 256 Ga. App. 812 (2002) ..................................................... 30–31 Keller v. State, 308 Ga. 492 (2020) .................................................................... 39 Lockhart v. S. Gen. Ins. Co., 231 Ga. App. 311 (1998) ........................................................... 31 McClellan v. Evans, 294 Ga. App. 595 (2008) ........................................................... 36 Miller v. Cole, 289 Ga. App. 471 (2008) ........................................................... 24 Moody v. Dykes, 269 Ga. 217 (1998) .................................................................... 25 Mullins v. State, 270 Ga. 450 (1999) .................................................................... 29 Powell v. State, 335 Ga. App. 565 (2016) ........................................................... 28 —5— Case A21A0559 Filed 12/18/2020 Page 6 of 48 Ross v. State, 296 Ga. 636 (2015) ................................................................... 39 Ruffin v. State, 333 Ga. App. 793 (2015) ........................................................... 27 Sapp v. Canal Ins. Co., 288 Ga. 681 (2011) .................................................................... 32 Slade v. State, 287 Ga. App. 34 (2007) ............................................................. 27 Smith v. Crump, 223 Ga. App. 52 (1996) ................................................. 29, 31, 40 Smith v. State, 279 Ga. 48 (2005) ...................................................................... 41 S. Outdoor Promos., Inc. v. Nat’l Banner Co., 215 Ga. App. 133 (1994) ........................................................... 43 Suber v. Fountain, 151 Ga. App. 283 (1979) ........................................................... 23 Swoope v. CSX Transp., Inc., No. 4:13-cv-0307-HLM, 2015 WL 12564948 (N.D. Ga. July 29, 2015) .................................................................................... 45–46 United States v. Frazier, 387 F.3d 1244 (11th Cir. 2004) .................................... 24, 41, 46 Vega v. La Movida, Inc., 294 Ga. App. 311 (2008) ..................................................... 23, 29 Wallace v. Wiley Sanders Truck Lines, Inc., No. 4:14-cv-142 (CDL), 2016 WL 320140 (M.D. Ga. Jan. 25, 2016) ......................................................................................... 32 Williams v. State, 328 Ga. App. 876 (2014) ............................................... 24, 41, 46 —6— Case A21A0559 Filed 12/18/2020 Page 7 of 48 Whisnant v. State, 178 Ga. App. 742 (1986) ........................................................... 26 Statutes O.C.G.A. § 24-1-103(d) ................................................................. 39, 40 O.C.G.A. § 24-4-401 ........................................................................... 43 O.C.G.A. § 24-4-402 ........................................................................... 43 O.C.G.A. § 24-4-411 ..................................................................... 32, 40 O.C.G.A. § 40-1-112(c) ..................................................... 14, 26, 29, 31 O.C.G.A. § 40-1-101(d)(2) ............................................................. 14, 15 O.C.G.A. § 40-1-140(d)(4) ................................................. 14, 26, 29, 31 O.C.G.A. § 40-6-10(b) ......................................................................... 38 O.C.G.A. § 46-7-12 ............................................................................. 29 Rules Fed. R. Evid. 411 ................................................................................ 33 Ga. Ct. App. R. 36(1) .......................................................................... 22 Ga. Ct. App. R. 36(3) .......................................................................... 22 Miscellaneous Alan Calnan, The Insurance Exclusionary Rule Revisited: Are Re- ports of Its Demise Exaggerated?, 52 Ohio S. L.J. 1177 (1991) ................................................................................................... 38 Cal. Dep’t Ins., Report of Examination of the Cypress Insurance Com- pany as of December 31, 2016, available at https://bit.ly/3qKBjJr. ............................................................... 46 —7— Case A21A0559 Filed 12/18/2020 Page 8 of 48 Derek Thompson, Do Trump’s Taxes Show He’s a Failure, a Cheat, or a Criminal?, The Atlantic (Oct. 5, 2020), available at https://bit.ly/3qQB1ky.