California’s Medical Injury Compensation Reform Act

(MICRA)

by

Weldon (Don) Havins, M.D., Esq.

Chief Executive Officer and Special Counsel, Clark County Medical Society

 

            When that day arrives, as it inevitably must, mandating health care tort reform, physicians should be cognizant of the “gold standard” Medical Injury Compensation Reform Act (MICRA) tort reform passed by the California Legislature in 1975, which continues to serve the public as well as health care providers to this day.

History                       

            A report by the California Assembly Select Committee on Medical Malpractice enumerated many causes leading to the malpractice insurance crisis of 1975.  Among these was an increase in the number of malpractice claims filed (13.5 per 100 physicians in 1968 to 18 per 100 physicians in 1972), the average closing costs of claims ($4500 in 1969 to $7500 in 1972), an increase in the number of greater than $300,000 settlements and verdicts (3 in 1969 to 24 in 1973), and a 400% increase in malpractice insurance rates between 1968 and 1970.[1]  A Department of Health, Education, and Welfare Commission published a study of the malpractice insurance problem in 1973 made several recommendations but concluded that the problem required individual State legislative resolutions.[2]  In the Spring of 1975, an undetermined percentage of California physicians went on “strike” to protest the cost of skyrocketing malpractice insurance premiums.  Some hospitals responded to this action with public information brochures which explained the nature of the “crisis,” from the hospital's perspective, and attempted to reassure the public that all emergency medical needs would be met.[3] 

            In response, Governor Edmund G. (Pat) Brown convened a special session of the California Legislature to deal with the situation.[4]  In his proclamation statement he noted that the cost of medical malpractice insurance had risen to levels which many physicians and surgeons found intolerable, that the inability of doctors to obtain such insurance was endangering the health of the people, and that many hospitals were threatened with closing.[5] 

            The Legislature convened on May 19, 1975 where Assemblyman Barry Keene introduced Assembly Bill 1xx, a bill intended to create changes in California laws to stabilize medical malpractice insurance rates and avert the crisis.[6]  The bill, as introduced, required malpractice insurance companies to publicly justify all premium increases over 10%, changed the California Medical Board to tighten control over physicians, imposed a sliding scale of attorney contingency fees (10% of any recovery over $200,000), created a California Arbitration Commission of Medical Injury Compensation, required deduction from malpractice compensation awards collateral sources payable to injured third parties, provided for periodic payments of future damages over $50,000, and reduced the statute of limitations to three years for medical negligence claims.[7] 

            After multiple amendments, the Legislature passed the bill on September 11.[8]  On September 23, 1975, Governor Brown signed chapter 1 of the AB 1xx, known thereafter as the Medical Injury Compensation Reform Act (MICRA).[9]  The following day chapter 2 of the bill was signed.[10]  This bill made many minor changes in the wording of the bill but, significantly, did add the “findings of the legislature.”[11]  These findings included the following:

there is a major health care crisis in the State attributable to skyrocketing malpractice premium costs and a resulting potential breakdown of the health delivery system, severe hardships for the medically indigent, a denial of access for the economically marginal, and depletion of physicians such as to substantially worsen the quality of health care available to citizens of the state.[12]    

 

            The Legislature, appropriately using its proclaimed constitutionally mandated police powers to pass laws in furtherance of the public interest, found this bill to be a “statutory remedy adequate and reasonable.”[13]

            The major provisions of MICRA include a limitation on non-economic damages, admissibility at trial of collateral source compensation, provision for periodic payments of future damages, limitations on attorney contingency fees, changes to the statute of limitations, a notice of intent to file a claim requirement, and a provision for compulsory arbitration agreements.[14]

Non-economic Damage Limitation In Medical Negligence Actions

            Section 3333.2 of the California Civil Code provides “[i]n no action shall the amount of damages for non-economic losses exceed two hundred fifty thousand dollars ($250,000).”[15]  The statute restricts this limitation to professional negligence, by act or omission, “provided that such services are within the scope of services for which the provider is licensed and which are not within any restriction imposed by the licensing agency or licensed hospital.”[16]  This limit has been applied to non-economic damages whether brought by the patients themselves or by survivors who initiate litigation via a wrongful death action.[17]

            In 1985, when the constitutional challenge to section 3333.2 was decided by the California Supreme Court, four States had ruled similar provisions unconstitutional.[18]  In 1985 only one State, Indiana, had found a limitation on damages for medical negligence to be constitutional.[19]  The Supreme Court of the State of Idaho has remanded for a factual determination on whether a medical malpractice “crisis” actually existed in Idaho to justify adoption of a damages limitation.[20]  The California Supreme Court held that due process “does not prohibit the legislature from limiting the recovery of a particular type of damages when the limitation furthers a legitimate state interest.”[21]  “Considering the malpractice insurance crisis, the legislature's limitation of non-economic damages is consistent with the putative goal of reducing malpractice insurance costs for both the defendants and their insurance companies.”[22]  The Court held there was no violation of the equal protection clause when limiting non-economic damages to malpractice cases because the crisis arose in that context.[23]  The Court rejected the contention that the statute unlawfully discriminates against malpractice plaintiffs because of a disproportionate effect upon plaintiffs.[24]  The U.S. Supreme Court dismissed an appeal requesting review declaring an absence of a federal question.[25]  Two years later, the California Supreme Court held that section 3333.2 does not violate the constitutional right of a plaintiff to a jury trial.[26]  There have been no significant subsequent constitutional challenges to section 3333.2.

            The non-economic damages limit applies to the injury rather than to the number of defendants; thus, a single injury proximately (legally) caused by the negligence of several health care professionals is restricted to a maximum of $250,000 in non-economic damages.[27]  Following the common law rule that independent successive acts producing separate injuries permit separate recovery for each negligent act,[28] a single health care provider who proximately and negligently causes more than one separate and distinct injury entitles the plaintiff to a maximum of $250,000 in non-economic damages for each injury (emphasis added).[29]  Thus, several injuries by a single physician inflicted on the same patient can yield multiples of the $ 250,000 non-economic damages limitation.

            Additionally, where medical malpractice by a health care provider results in both a survival action by the decedent's estate and a wrongful death action by the decedent's children, each action is subject to a separate $250,000 non-economic damage award[30] because there are separate injuries arising out of the same negligent act.   For example, in an action for “loss of consortium” by a spouse whose claim was joined by the physically injured spouse's claim, for damages due to medical malpractice, the court found two separate injuries arising from the same negligent act, thus entitling each party to separate $250,000 non-economic damage awards.[31]   Damages recovered in a wrongful death action must be shared by all the heirs; thus, a surviving spouse may receive substantially less than maximum possible $250,000.[32] 

                                        Collateral Source Benefit Admissibility

            Section 3333.1 (a) permits a health care provider to introduce evidence of collateral source benefits payable to the plaintiff as a result of the plaintiff's personal injury from the sources of social security, disability insurance, health or accident insurance, workers compensation, and/or group plan benefits.  If such evidence is admitted by the defendant, the plaintiff is entitled to provide evidence as to the costs of these benefits.[33]  Section 3333.1(b) provides that where such evidence is introduced in a professional negligence action, the provider of the benefits is precluded from recouping its payments.[34]  This effectively shifts the costs of health care damages from medical malpractice insurers to general health care insurance providers.[35]

            The California Supreme Court upheld the constitutionality of section 3333.1 (a) against due process and equal protection challenges, ruling that plaintiffs have no vested right in a particular measure of damages and that the abolition of the collateral source rule was rationally related to a legitimate state goal of reducing costs incurred by malpractice defendants and malpractice insurance providers.[36]  The Supreme Court upheld the constitutionality of section 3333.1 (b) concluding that providers of collateral source benefits have no vested right to subrogation, and that section 3333.1 is rationally related to a legitimate state goal of shifting some of the costs imposed on malpractice insurance providers to other insurance providers.[37]   The California Supreme Court ruled admissible future medical expenses since they can be used to reduce the defendant's obligation.[38]   Section 3333.1 should apply to diversity actions and actions brought under the Federal Tort Claims Act since a federal court applies state law in matters involving the collateral source rule.[39]

            Governmental source benefits are not paid to the patient, but rather to the provider of medical services.  Thus, Medi-Cal payments are not considered collateral source benefits under section 3333.1.[40]  Medicare and other federally funded collateral source benefits are also inadmissible.[41]   Benefits received from county hospitals are inadmissible because the county is entitled to reimbursement from a tort recovery.[42]

            If benefits payable to the plaintiff are provided by a self-funded employee benefit plan, ERISA will preempt section 3333.1 making evidence of this collateral source benefit inadmissible.[43] 

Periodic Payments of Future Damages

            California Code of Civil Procedure Section 667.7 provides that the court, on the request of either party, shall order periodic payments for future damages of $50,000 or more.[44]  A request for periodic payments must be made prior to entry of judgment.[45]  Future damages include damages for future medical treatment, care or custody, loss of future earnings, loss of bodily function, and future pain and suffering.[46]  Periodic payments means payments “at regular intervals.”[47]

            The California Supreme Court first found this section unconstitutional on a 4-3 vote, and then, on rehearing, upheld the section as constitutional in another 4-3 vote.[48]  Challenged again on the basis of denial of equal protection, an appellate court found this section constitutional.[49]  The California Supreme Court held that it was both unnecessary and inappropriate for the court to balance the relative benefits and detriment of legislation.  “So long as the measure is rationally related to a legitimate state interest, policy determinations as to the need for, and desirability of, the enactment are for the Legislature.”[50] 

                                                    Attorney Contingency Fee Limits

            California Business and Professions Code Section 6146, amended in 1987, provides as the maximum attorney contingency-fee contract limits in medical malpractice actions: 40% of the first $50,000 recovered, 33% of the next $50,000; 25% of the next $500,000; and 15% of any excess over $600,000.[51]  These limits apply whether the recovery is by settlement, arbitration, or judgment, or whether the person for whom the recovery is made is a responsible adult, an infant, or a person of unsound mind.[52]  There is no provision authorizing fees in excess of this statutory limit;[53] however, the  limitation does not apply to an award for negligent injury occurring outside the scope of practice of the practitioner's license.  Thus, section 6146 did not apply to the negligence and willful misconduct of a psychiatrist who seduced a plaintiff while she was his patient.[54]

Statute of Limitations for Medical Malpractice Actions

            Nevada’s statute of limitation for medical malpractice can be found in NRS 41A.  In general, the statute of limitations is two years from the time of injury or from the time the plaintiff should have reasonably discovered the negligent injury to a maximum of four years (with exceptions for brain injuries of children and for sterility).  California Code of Civil Procedure Section 340.5 provides that an action for medical malpractice under MICRA shall be three years from the date of the injury or one year from the time the plaintiff discovers, or should have reasonably discovered, the injury.[55]  “In no event shall the time for commencement of legal action exceed three years unless tolled for any of the following: (1) upon proof of fraud, (2) intentional concealment, or (3) the presence of a foreign body, which has no therapeutic or diagnostic purpose of effect, in the person of the injured person.”[56]  Actions by a minor shall be filed within three years from the date of the “wrongful act” except that if the minor is less than six years of age, the action shall commence within three years or prior to his eighth birthday, whichever is longer.[57]  The use of the term “wrongful act” has been construed to mean “injury.”[58]  The term “injury” as used in this section means both a person's physical abnormality and its negligent cause, not necessarily the alleged wrongful act itself.[59]  Injury occurs, and the three year period accrues, when an appreciable harm is first apparent.[60]  The statute shall be tolled for fraud or collusion by the parent or guardian and the defendant's insurer or health care provider.[61]  This statute shortened the statute of limitations from four years to three years.  There is no one year “reasonable discovery” statute of limitations provision for minors.[62]

            Tolling of the statute of limitations due to fraud or intentional concealment require affirmative acts by the health care provider, not merely omissions or continued failure to disclose facts after surgery.[63]  A non-therapeutic foreign body left in the patient tolls the statute for an unlimited time.[64]  However, once the patient becomes aware of the presence of the foreign body or should have become aware of its presence, the one year statute accrues.[65] 

            The limitations period for adults and minors also applies to wrongful death actions where the plaintiff is the decedent's surviving heir.[66]  The accrual period commences at the time of the decedent's death.[67]

            The statute of limitations defense must be pleaded in an affirmative defense in a demurrer or in the answer to the complaint or it is considered waived.[68]  If the demurrer is overruled, pleading the statute of limitations in the answer to the complaint will permit a pre-trial request for a bifurcated trial on statute of limitations issue alone.[69]

The 90 Day Notice of Intention to Sue

            California Code of Civil Procedure Section 364 provides that “no action based upon a health care provider's professional negligence shall be commenced unless the defendant has been given at least 90 days prior notice of the intention to commence the action.”[70]  The notice must include the basis of the claim and the type of loss sustained, including the specific nature of the injuries.[71]  If notice is served within ninety days of the statute of limitation’s limit, the statute of limitations will extend for ninety days from the date of service of notice.[72]  Failure to comply has no effect on the action but does subject the attorney to disciplinary action by the state bar.[73]  In a small claims court action for medical malpractice, the plaintiff will be given a continuance so that the notice requirement may be satisfied.[74]  The tolling provisions apply only to negligence causes of action and not to those based on intentional torts such as battery.[75]

            The California Supreme Court held that section 364 tolls the one year statute of limitations for plaintiffs who serve a ninety-day notice during the last ninety days of the one year period, but not for plaintiffs who serve a ninety-day notice before the last ninety period and that this does not deny equal protection of the laws.[76]  The tolling of the one year statute of limitations for a maximum of ninety days does not apply to the three year statute of limitations, states one Appellate Court.[77]  However, another Appellate Court ruled that the ninety-day extension did apply to toll the three year statute of limitations, and that this construction more consistent with the “ultimate legislative purpose to be served.”[78]  Whether the ninety-day tolling period applies to the three and well as the one year period of the statute of limitations of section 340.5 appears ripe for a the Supreme Court finding.

            In 1993, the California Legislature added to the Business and Professions Code, Section 364.1, which requires the plaintiff's attorney to send notice of an intent to file suit for professional malpractice to the Medical Board of California or to the Board of Podiatric Medicine, as applicable, at the same time notice is sent to the defendant.[79]  The Medical Board of California or the Board of Podiatric shall maintain the notice as a confidential part of a potential investigation file.[80]  This statute has not generated litigation to date.

Compulsory Arbitration Agreements

            California Code of Civil Procedure Section 1295 provides for and authorizes compulsory arbitration agreements in medical service contracts.  The agreement must be the first article of the contract, and must use the following language:

It is understood that any dispute as to medical malpractice, that is as to whether any medical services rendered under this contract were unnecessary or unauthorized or were improperly, negligently or incompetently rendered, will be determined by submission to arbitration as provided by California law, and not by a lawsuit or resort to court process except as California law provides for judicial review of arbitration proceedings.  Both parties to this contract, by entering into it, are giving up their constitutional right to have any such dispute decided in a court of law before a jury, and instead are accepting the use of arbitration.[81]

 

Immediately before the signature line the following must appear in at least ten point red type:

NOTICE: BY SIGNING THIS CONTRACT YOU ARE AGREEING TO HAVE ANY ISSUE OF MEDICAL MALPRACTICE DECIDED BY NEUTRAL ARBITRATION AND YOU ARE GIVING UP YOUR RIGHT TO A JURY OR COURT TRIAL.  SEE ARTICLE 1 OF THIS CONTRACT.[82]

 

            Once signed, the agreement governs all subsequent open-book account transactions for medical services until or unless rescinded by 30 days written notice.[83]  The agreement may be signed or rescinded by a legal guardian if the patient is incapacitated or a minor.[84]  If these (a) through (c) are completed, the contract is not one of adhesion, nor unconscionable, nor otherwise improper.[85]  These provisions do not apply to a health care service plan.[86]    A court found an arbitration clause incorporated in a hospital's admission forms requires reasonable explanation of its meaning, effects, and options to be binding.[87]  The failure to comply with provisions (a) through (c) renders unenforceable the arbitration provision agreement.[88]

            The constitutionality of section 1295 has not been challenge, probably because arbitration agreements are well established in contract law and this section merely provides formally for arbitration agreements in medical service contracts.  Courts have mentioned the strong public policy favoring arbitration as a means of resolving disputes, including disputes over medical malpractice claims.[89] 

            The scope of medical service contract arbitration agreements include intentional torts such as battery as well as professional negligence.[90]  Arbitrators hearing cases under section 1295 are authorized to award punitive damages for resulting from more than mere negligence, such as an intentional (battery) tort.[91]  Claims arising outside the scope of medical service, such as sexual assault by an orderly, are not bound by an arbitration agreement for medical services.[92]

            Although section 1295 provides that a properly drafted arbitration agreement is not subject to an unconscionability or unfairness challenge, a plaintiff has the right to challenge the voluntariness of consent to the agreement.[93]  A claim of fraud in the inducement of an arbitration provision must be decided by the court before the matter can be ordered to arbitration pursuant to the agreement.[94] 

            Courts are split on whether a nonsignatory to the agreement is bound to arbitration when the cause of action arises out of medical services provided under the arbitration agreement.  One court held that a nonsignatory husband, in a loss of consortium claim, not bound by the wife's arbitration agreement.[95]  Another court held a nonsignatory wife, in a loss of consortium claim, bound by her husband's arbitration agreement.[96]  An unmarried father of a stillborn child was bound to arbitration by the mother's arbitration agreement.[97]  An heir in a wrongful death claim was not bound by the patient's arbitration agreement,[98] but would have been bound had the arbitration agreement expressly stated an intent to bind heirs.[99]

            From the defendant's perspective, a physician employee of a medical group who had not signed nor was aware of his patient's arbitration agreement was held bound to arbitration proceedings in a malpractice action resulting from medical services he rendered.[100]  Additionally, a court held an arbitration agreement binding in an action involving a doctor associated with the signatory doctor.[101]

Conclusion

            The major provisions of MICRA could be listed in the following priority: limitation on non-economic damages (pain and suffering), admissibility at trial of collateral sources of compensation (insurance, workers compensation, etc.), provision for periodic payments of future damages (installment payments of the award), limitations on attorney contingency fees (progressively less percent of the award for increasingly high awards), changes to the statute of limitations (Nevada has a relatively favorable one now for medical malpractice), and notice of intent to file a claim (probably not a deterrent in Nevada).  Agreeing on a priority may be important to facilitate coordination of all our efforts since is appears unlikely (at this time) that a broad package of tort reform legislation would all pass in a single legislative session.



[1]  Assem. Select Comm. on Medical. Malpractice, Prelim. Rpt. (Cal., June, 1974).

[2]  Medical Malpractice, Report of the Secretary's Commission on Medical Malpractice, Department of Health, Education and Welfare, Washington, D.C., DHEW Publication No. (OS) 73-88, Jan. 16, 1973.

[3]  The Malpractice Crisis: What's happening at St. Joseph Hospital, May 1975.

[4]  Proclamation by the Governor Convening the Legislature in Second Extraordinary Session, May 16, 1975.

[5]  Id.

[6]  Cal. A.B. 1xx, Second Extraordinary Legis. Sess. (May 19, 1975).

[7]  Id.

[8]  1975 Cal. Stat. ch1. (Second Extra. Sess.)

[9]  Id.

[10]  1975 Cal. Stat. ch. 2 (Second Extra. Sess.)

[11]  Id.

[12]  Id.

[13]  Id.

[14]  Id.

[15]  Cal. Civ. Code § 3333.2 (West 1970 and Cumulative Pocket Part 1996).

[16]  Id. at (c) (2).

[17]  Yates v. Pollock, 194 Cal. App. 3d 195, 199, 239 Cal. Rptr. 385 (1987).

[18]  Carson v. Maurer, 120 N.H. 925 (1980) ($250,000 limit on non-economic damages); Arneson v. Olsen, 270 N.W.2d 125 (N.D. 1978) ($300,000 limit on total damages); Simon v. St. Elizabeth Medical Center, 3 Ohio Op. 3d 164 (1976) ($200,000 limit on general damages); Baptist Hosp. of Southeast Texas v. Baber, 672 S.W.2d 296 (Tex. App. 1984) ($500,000 limit on damages other than medical expenses). 

[19]  Johnson v. St. Vincent Hosp., Inc., 273 Ind. 374 (1980).

[20]  Jones v. State Board of Medicine, 97 Idaho 859 (1976).

[21]  Fein v. Permanente Medical Group, 38 Cal. 3d 137, 157, 211 Cal. Rptr. 368, 695 P.2d 665 (1985).

[22]  Id. at 159.

[23]  Id. at 162.

[24]  Id. at 163.

[25]  Fein v. Permanente Medical Group, 474 U.S. 892 (1985) (appeal dismissed).

[26]   Yates, 194 Cal. App. 3d at 200.

[27]  Atkins v. Strayhorn, 223 Cal. App. 3d 1380, 1396 (1990); Gilman v. Beverly California Corp., 231 Cal. App. 3d 121, 129 (1991).

[28]  Ash v. Mortensen, 24 Cal. 2d 654, 657,    P.2d    ,    ,    Cal. Rptr.     (1944); Helling v. Lew, 28 Cal. App. 3d 434, 439,     P.2d    ,    (1972).

[29]  Id.

[30]  Schwarder v. United States, 974 F.2d 1118 (9th Cir. 1992).

[31]  Atkins v. Strayhorn, 223 Cal. App. 3d 1380 (1990); Williams v. Superior Court, 30 Cal. App. 4th 318, 323-324; Taylor v. United States, 821 F.2d 1428, 1431 fn. 2 (9th Cir. 1987), cert. denied, 485 U.S. 992 (1988).

[32]  Yates, 194 Cal. App. 3d at 200-01.

[33]  Cal. Civ. Code § 3333.1 (a) (West 1970 and Cumulative Pocket Part 1996).

[34]  Id. at (b).

[35]  Barme v. Wood, 37 Cal.3d 174, 181, 689 P.2d 446, 207 Cal. Rptr. 816 (1984).

[36]  Fein, 38 Cal. 3d 137 (1985), cert. denied, 474 U. S. 892. 

[37]  Barme, 37 Cal. 3d 174, 181.

[38]  Fein, 38 Cal. 3d at 165, fn. 21.

[39]  In re Air Crash Disaster Near Cerritos, Cal., 982 F.2d 1271, 1277 (9th Cir. 1992).

[40]  Brown v. Stewart, 129 Cal. App. 3d 331 (1982).

[41]  Barme, 37 Cal.3d 174, 181 fn. 6.

[42]  City and County of San Francisco v. Sweet, 12 Cal. 4th 105 (1995).

[43]  Inter Valley Health Plan v. Blue Cross/Blue Shield, 16 Cal. App. 4th 60, 63-65 (1993).

[44]  Cal. Civ. Proc. Code § 667.7 (West 1975).

[45]  Craven v. Crout, 163 Cal. App. 3d 779, 784, 209 Cal. Rptr. 649 (1985).

[46]  Id.

[47]  Id.

[48]  American Bank & Trust Co. v. Community Hospital, 36 Cal. 3d 359, 683 P.2d 670, 204 Cal. Rptr. 671 (1984).

[49]  Craven, 163 Cal. App. 3d 779, 209 Cal. Rptr. 649.

[50]  American Bank, 36 Cal. 3d at 369.

[51]  Cal. Bus. & Prof. Code § 6146 (a) (West 1990) (the 1987 amendments are known as the Willie L. Brown, Jr.-Bill Lockyer Civil Liability Reform Act of 1987.  1987 Cal. Stat. § 1, ch. 1498.  Prior to this contingency-fee limits were: 40% of the first $50,000; 33% of the next $50,000; 25% of the next $100,000; and 10% of the recovery exceeding $200,000. 1975 Cal. Stat. 2d Extra. Sess. chs. 1,2 (1975)).

[52]  Id. at (b).

[53]  Hathaway v. Baldwin Park Community Hosp., 186 Cal. App. 3d 1247, 1253, 231 Cal. Rptr. 334 (1986).

[54]  Waters v. Bourhis, 40 Cal. 3d 424 (1985).

[55]  Cal. Civ. Proc. Code § 340.5 (West 1982 and Cumulative Pocket Part 1996).

[56]  Id.

[57]  Id.

[58]  Torres v. County of Los Angeles, 209 Cal. App. 3d 325, 334 (1989); Katz v. Children's Hosp. of Orange County, 28 F.3d 1520, 1533 (1994).

[59]  Hazel v. Hewlett, 201 Cal. App. 3d 1458, 247 Cal. Rptr. 723 (1988).

[60]  Brown v. Bleiberg, 32 Cal. 3d 426 (1982).

[61]  Cal. Civ. Proc. Code § 340.5.

[62]  Young v. Haines, 41 Cal. 3d 883, 897 (1986).

[63]  Trantafello v. Medical Center of Tarzana, 182 Cal. App. 3d 315, 321 (1986); Reyes v. County of Los Angeles, 197 Cal. App. 3d 584, 595 (1988).

[64]  Ashworth v. Memorial Hosp., 206 Cal. App. 3d 1046 (1988).

[65]  Id., 206 Cal. App. 3d at 1058.

[66]  Ferguson v. Dragul, 187 Cal. App. 3d 702, 708 (1986).

[67]  Id., 187 Cal. App. 3d at 709.

[68]