ÿWPCè ps¤»" <ó;/Lÿ|3™sÂýüƒJ™û¸8ûQ±\žOA`cteaRW(ìc è*“9ȦzòAdfÙ=æ ù9Jpò».ø)¿ß“ Ï۬ث¾9…"&n^·¤pƒÁÁJ‡z£ÇÃͨº¢¨XÒxÅIï¥Îµ™mËÝ»Œ þˆø\1óÅ4ÃçkFÿ!Ù”¼MZWW]q§ÕËÇsù¹eaÁNUõ7Óû~vt‘·/ĪtÔõ–›>Åã”±K>ù"ãm7*fÃKÇøv›}š‹Ç* aLIÿ¤,IC1=<~Òulä­ˆãõr»bPxôbV:üÙ"éci &ZÜÊdgñ|²£U…•a5ãF]“o' w!—ùâc²€ÞhðÝÐXÇ*b0„DÙÅcšñ±–½L²7g±p–Ýœ?’®µæáF¡_ ¯|ý ×íÀº_ƒŒ%Äü‚=òäuÒ„ÌbWé»±-”an‰¿ZÑkªý²„ü}»õ¼rtj¥0Êž#ÿkÚ‹ù#â`Ãr4 é)ã©cJFеGIš“ëSÑ%WYz^椇e‡£6è“”‹4Föþeø¼èŠzF×µZú¬¬ÌØþ¢]*”b#Á\UN %k 0:q U,« ^ × wã 4ç û  m ¢# 0~Å 0DC ‡ y ã që 0V\N²N´ƶÆ|ÆBÆNÎ D3Ð zÒ}UNOE 0VŸ Bõ D- 0K?? ASŠÆÝ 0V£ 0Dù A«=˜HP LaserJet 4000 Series PCL 6ÈÈÈÈÈÈÈÈ0(ÖÃ9 Z‹6Times New Roman RegularX(üœ$¡¡ÔUSUS.,Ô,O²ÀAZ‹Arial “Œ})â ýpm)œÒŸ3|xÿU‹ÿÀÀÀ ˜Ý ƒ Ä($ÝÔUSUS.,Ôà  àòòÚ  Ú1Ú  ÚóóÝ  ÝÔ_ÔA€large€box€in€which€books€are€packed€for€shipping.(.(3Ä($¤¤Ý ƒüœ!ÝÔUSUS.,ÔÝ  Ýà  àòòÚ  Ú0Ú  Úóó()Ã$òòÚ  Ú3Ú  Úóó  oÝ ƒ Ä($ÝÔUSUS.,Ôà  àòòÚ  Ú3Ú  ÚóóÝ  ÝÔ_ÔArguably,€this€second€issue€is€immaterial€if€this€panel€is€correct€in€its€findings€andÐ ° Ðconclusions€concerning€the€first€issue,€that€being€our€affirming€the€trial€court€and€our€finding€thatÐ –æ Ðthere€was€but€one€compensable€injury. ÙÝ ƒ Ä($ÝÔUSUS.,Ôà  àòòÚ  Ú2Ú  ÚóóÝ  ÝÔ_ÔThough€this€was€the€last€payment€KM€remitted,€Travelers€remitted€payments€throughÐ ° ÐNov.€27,€1996. gÝ ƒ½Þ)ÝÔUSUS.,ÔÝ  ÝÔ_Ôà@ºººìàÚ  Ú1Ú  Ú(.3½Þ$©©Ý ƒüœ!ÝÔUSUS.,ÔÝ  ÝLevel 1Level 2Level 3Level 4Level 5‚Level 1Level 2Level 3Level 4Level 5„Level 1Level 2Level 3Level 4Level 5…Level 1Level 2Level 3Level 4Level 5YYYY'ÿÿdxd˜C:\PROGRA~1\COREL\WORDPE~1\TEMPLATE\CUSTOM~1\REVISE~1.WPTC:\Program Files\Corel\WordPerfect Office 2000\Template\Custom WP Templates\revised standard opinion.wpt(í€"  Z6Times New Roman Regular(.3½Þ$££Ý ƒüœ!ÝÔUSUS.,ÔÝ  Ý d)!ÈÈÈÈdxdx( ±þ$’’ò òFigure€Ú  Ú1Ú  Úó ó^_X`Eþÿ<<CÿÿƒLevel 1Level 2Level 3Level 4Level 5(.3½Þ$¢¢Ý ƒüœ!ÝÔUSUS.,ÔÝ  Ý($$””ò òÚ  Ú1Ú  Úó óX[Z&OLE 2.0 Box <=8ÿÿÿÿÿÿÿÿÿÿCÿÿ HKKKKÝ ƒüœ!ÝÔUSUS.,ÔÝ  ÝÔ_ÔÒe°ÒÔ€X1ãXXXÔòòÖ€ÿÿÖóóÌà@Ò Ò Æàò òIN€THE€SUPREME€COURT€OF€TENNESSEEˆÐ –æ Ðà@! ! ÆàSPECIAL€WORKERSðð€COMPENSATION€APPEALS€PANELˆÐ |Ì Ðà@îî$ÆàAT€NASHVILLEˆÐ b² ÐÌà@99Æàó óPATRICIA€BALDWIN,€Appellee€ˆÐ . ~ Ðà ½ àà  àà m àà Å àà  àà u àv.Ð  d Ðà@  ÆàÔ_ÔWALDENBOOKÔ_Ô€COMPANY,€INC.,€AppellantˆÐ ú J ÐÌà@F F ÆàDirect€Appeal€from€the€Chancery€Court€of€Rutherford€CountyˆÐ Æ   Ðà@i i ÆàNo.€97WC„881,€Hon.€Robert€E.€Ô_ÔCorlewÔ_Ô,€III,€Chancellorà@@ìì*ìàòòóóˆÐ ¬ ü  Ðà@î î Æà_____________________________________________ˆÐ ’â  ÐÌà@& & ÆàNo.€€M1999„01577„Ô_ÔWCÔ_Ô„R3„CV€„€Mailed€„€September€6,€€2000ˆÐ ^®  Ðà@""ÆàFiled€„€November€29,€2000ˆÐ D”  Ðà ½ àà  à________________________________________________________òòóóÐ *z  ÐÓ  ÓÌà ½ àThis€workersðð€compensation€appeal€has€been€referred€to€the€Special€WorkersððÐ öF ÐCompensation€Appeals€Panel€in€accordance€with€the€Tenn.€Code€Ann.€ðð€50„6„225(e)(3)€forÐ Ü, Ðhearing€and€reporting€findings€of€fact€and€conclusions€of€law.€€The€employer€contends€theÐ Â Ðtrial€court€erred€in€finding€that€the€statute€of€limitations€was€tolled€and€that€suit€was€timelyÐ ¨ø Ðfiled.€€ò òó óAs€discussed€below,€the€panel€has€concluded€that€the€judgment€of€the€trial€courtÐ ŽÞ Ðshould€be€affirmed,€finding€that€suit€was€timely€filed.Ð tÄ ÐÌò òTenn.€Code€Ann.€ðð€50„6„225(e)(3)€Appeal€as€of€Right;€Judgment€of€the€Chancery€CourtÐ @ ÐAffirmedÐ &v ÐÌó óFrank€G.€Clement,€Jr.,€Ô_ÔSp.J.Ô_Ô,€delivered€the€opinion€of€the€court,€in€which€Frank€F.€Ô_ÔDrowotaÔ_Ô,Ð òB ÐIII,€J.,€and€John€A.€Ô_ÔTurnbullÔ_Ô,€Ô_ÔSp.J.Ô_Ô,€joined.Ð Ø( ÐÌRichard€E.€Ô_ÔSpicerÔ_Ô,€Ô_ÔSpicerÔ_Ô,€Flynn,€&€Ô_ÔRudstromÔ_Ô,€Ô_ÔPLLCÔ_Ô,€€Nashville,€TN,€for€the€appellants,Ð ¤ô ÐÔ_ÔWaldenbookÔ_Ô€Company,€Inc.Ð Š Ú ÐÌScott€Daniel,€Murfreesboro,€TN,€for€the€appellee,€Patricia€Baldwin.Ð V"¦! ÐÒû°ÒÌà@^ ^ ¡àò òÔ‡ ˜ðXX1ãÔMEMORANDUM€OPINIONó óˆÐ "$r# ÐÌÔ#†X1ãX ˜ðî #Ôà ½ àThere€are€two€issues€to€be€considered€to€determine€whether€suit€was€filed€timely.€Ð †&Ö!% ÐOne€issue€is€whether€there€was€but€one€compensable€injury€or€two€separate€compensableÐ l'¼"& Ðinjuries.€€If€there€was€only€one€compensable€injury,€the€suit€was€filed€timely.€€If€there€wereÐ R(¢#' Ðtwo€separate€compensable€injuries,€instead€of€one,€then€the€issue€is€whether€TravelersÐ 8)ˆ$( ÐInsurance€Company€was€authorized,€as€agent€for€Ô_ÔWaldenbookÔ_Ô,€to€act€for€and€therebyÐ *n%) Ðobligate€Ô_ÔWaldenbookÔ_Ô€for€matters€pertaining€to€the€injury(Ô_ÔiesÔ_Ô).Ð +T&* ÐÐ ê+:'+ Їà ½ àPatricia€Baldwin€(ð ðBaldwinðð),€the€employee/appellee,€began€working€for€Ð ° ÐÔ_ÔWaldenbookÔ_Ô€Company€(ð ðÔ_ÔWaldenbookÔ_Ôðð),€the€employer/appellant,€in€1989.€€BaldwinððsÐ –æ Ðemployment€consisted€of€performing€general€tasks€within€Ô_ÔWaldenbookÔ_Ôððs€warehouse.€€Ð |Ì ÐÌà ½ àThe€first€of€the€two€incidents€occurred€on€October€19,€1994.€€On€that€date€BaldwinÐ H˜ Ðwas€loading€books€into€a€Ô_ÔGaylordÔ_Ô׃ ×Ý ƒ)ÃÝòòÚ  Ú1Ú  ÚóóÝ  Ý×  ×€at€Ô_ÔWaldenbookÔ_Ô€when€she€felt€her€wrist€pop.€€€BaldwinððsÐ . ~ Ðhand€immediately€began€to€swell€and€a€ganglion€cyst€appeared.€€She€reported€the€injuryÐ  d Ðto€Ô_ÔWaldenbookÔ_Ô€immediately.€€A€First€Report€of€€Work€Injury€was€completed€and€filed.ò òó ó€Ð ú J ÐÔ_ÔWaldenbookÔ_Ô€sent€Baldwin€to€the€nearest€local€clinic€to€have€her€injury€examined€and/orÐ à 0 Ðtreated.€€The€clinic€recommended€Dr.€Ô_ÔRenfroÔ_Ô,€a€specialist,€who€provided€conservativeÐ Æ   Ðtreatment€until€February€2,€1995,€at€which€time€he€performed€surgery€in€order€to€excise€theÐ ¬ ü  Ðganglion€cyst.€€After€the€surgery,€Baldwin€returned€to€work€on€light€duty€but€continued€toÐ ’â  Ðcomplain€of€wrist€pain.€€Baldwin€requested€that€she€be€permitted€to€see€another€doctor€butÐ xÈ  Ðthe€request€was€refused€by€KM.€€Though€she€had€returned€to€work,€Baldwin€was€stillÐ ^®  Ðrestricted€to€light€duty€when€the€second€incident€occurred.Ð D”  ÐÌà ½ àThe€second€incident€occurred€on€May€18,€1995,when€Baldwin€felt€the€same€wristÐ ` Ðpop€again.€€The€wrist€began€to€swell€in€the€same€place€just€as€it€did€following€the€firstÐ öF Ðincident€in€1994.€€Baldwin€promptly€reported€the€incident€to€Ô_ÔWaldenbookÔ_Ô.€€€Her€symptomsÐ Ü, Ðwere€the€same€as€before,€only€worse.€€She€was€authorized€to€receive€further€medical€careÐ Â Ðand€was€treated€by€eleven€doctors.Ð ¨ø ÐÌà ½ àThough€the€1995€incident€was€immediately€reported€to€Ô_ÔWaldenbookÔ_Ô,€and€thoughÐ tÄ ÐBaldwin€was€authorized€to€be€treated€by€several€doctors€as€a€result€of€this€incident,€neitherÐ Zª ÐÔ_ÔWaldenbookÔ_Ô€nor€Travelers€ever€filed€a€First€Report€of€Work€Injury€for€this€so„called€ð ðsecondÐ @ Ðinjury.ðð€€The€only€ð ðFirst€Reportðð€that€was€filed€pertained€to€the€1994€incident,€the€so„calledÐ &v Ðð ðfirst€injury.ððÐ  \ ÐÌà ½ à€It€is€the€May€18,€1995€incident€which€Ô_ÔWaldenbookÔ_Ô€now€insists€is€the€second€andÐ Ø( Ðseparate€compensable€injury.€€Conversely,€Baldwin€insists€the€1995€incident€is€merely€anÐ ¾ Ðaggravation€of€the€first€and€only€injury,€which€occurred€on€October€19,€1994.Ð ¤ô ÐÌà ½ àÔ_ÔWaldenbookÔ_Ô€was€self„insured€from€the€time€Baldwin€first€became€a€Ô_ÔWaldenbookÔ_ÔÐ p!À  Ðemployee€until€February€1,€1995.€€While€Ô_ÔWaldenbookÔ_Ô€was€self„insured,€KM€AdministrativeÐ V"¦! ÐServices€(ð ðKMðð)€served€as€a€third„party€administrator€processing€Ô_ÔWaldenbookÔ_Ôððs€workersððÐ <#Œ" Ðcompensation€claims.€€Travelers€Insurance€Company€became€the€designated€workersððÐ "$r# Ðcompensation€insurance€carrier€for€Ô_ÔWaldenbookÔ_Ô€on€February€1,€1995,€Ô_ÔWaldenbookÔ_Ô€wasÐ %X $ Ðno€longer€self„insured€after€that€date€and€KM€no€longer€administered€their€claims.€€€BothÐ î%>!% ÐÔ_ÔWaldenbookÔ_Ô€(through€KM)€and€Travelers€paid€Baldwinððs€medical€bills.€€Her€bills€were€paidÐ Ô&$"& Ðthrough€November€27,€1996.Ð º' #' ÐÌÐ †)Ö$) ÐÔ_Ô‡à ½ àOn€April€19,€1996,€KM€verbally€informed€Baldwinððs€attorney€that€the€last€voluntaryÐ ° Ðmedical€payment€was€made€September€21,€1995;׃×Ý ƒ)ÃÝòòÚ  Ú2Ú  ÚóóÝ  Ý×  ×€therefore,€the€statute€of€limitationsÐ –æ Ðwould€run€September€21,€1996.€€After€the€May€1995€accident,€KM€made€no€payments€forÐ |Ì Ðfurther€treatment€of€Baldwinððs€wrist€and€instructed€Baldwinððs€attorney€to€deal€with€TravelersÐ b² Ðin€the€future.€€Baldwinððs€attorney€contacted€Travelers€to€inquire€of€the€statute€of€limitationsÐ H˜ Ðfor€Baldwinððs€claim.€€Travelers€advised€Baldwinððs€attorney€that€the€statute€would€not€runÐ . ~ Ðuntil€November€27,€1997.€€Baldwin€filed€suit€on€June€26,€1997.€Ð  d ÐÌà ½ àThe€trial€court€found€that€the€payments€made€by€Travelers€tolled€the€statute€ofÐ à 0 Ðlimitations€and€that€suit€had€been€timely€filed.€€Specifically,€the€trial€court€held:€€Ð Æ   ÐÌà8 ½ àDealing€first€with€the€issue€of€the€statute€of€limitations,€the€Court€finds€thatÐ ’â  Ðdue€to€payments€voluntarily€made€by€the€employer€or€others€on€behalf€of€theÐ xÈ  Ðemployer,€the€statute€of€limitations€was€tolled€and€the€suit€was€timely€filed.Ð^® ½… ½…  Ðà ½ à.€€.€€.€€.Ð D”  ÐÌà8 ½ àNonetheless,€the€Court€finds€that€in€making€payments,€Travelers€was€actingÐ ` Ðas€agent€of€the€employer,€and€because€no€first€report€of€injury€was€everÐ öF Ðsubmitted€as€to€the€second€injury€.€.€.€,€the€Court€finds€that€the€voluntaryÐ Ü, Ðpayments€are€sufficient€to€toll€the€statute€of€limitations.€Ð½… ½…  ÐÌà ½ àThe€standard€of€review€is€de€novo€with€a€presumption€of€correctness€unless€aÐ ŽÞ Ðpreponderance€of€the€evidence€is€otherwise.€€òòOliver€v.€Stateóó,€762€S.W.2d€562€(Tenn.Ð tÄ Ð1988).òòóóÐ Zª ÐÌà ½ àWaldenbook€argues€there€were€two€separate€injuries.€€Waldenbook€insists€thatÐ &v Ðpayments€made€by€Travelers€were€payments€for€the€non„permanent€1995€incident.€€Thus,Ð  \ Ðthey€assert€that€those€payments€do€not€toll€the€statute€of€limitations€for€the€1994€incident.€Ð òB ÐWe€do€not€find€Waldenbookððs€argument€convincing.€€Ð Ø( ÐÌà ½ àDr.€David€Gaw€provided€the€only€medical€testimony.€€In€his€opinion,€Baldwin€retainsÐ ¤ô Ða€12%€permanent€partial€impairment€to€the€right€upper€extremity€òòas€a€result€of€the€OctoberÐ Š Ú Ð19,€1994€injuryóó.€€(emphasis€added).€€Dr.€Gaw€further€testified€that€Baldwin€ð ðcontinued€toÐ p!À  Ðhave€pain€and€problems€with€her€wrist€after€October€1994;€òòshe€continued€to€have€anÐ V"¦! Ðongoing€aggravation€of€her€conditionóó.ðð€(emphasis€added).€Ð <#Œ" ÐÌà ½ àThough€the€trial€court€did€not€make€a€specific€finding€as€to€whether€there€were€oneÐ %X $ Ðor€two€compensable€injuries,€we€find€from€the€evidence€that€there€was€but€oneÐ î%>!% Ðcompensable€injury,€which€occurred€in€1994,€and€that€the€1995€incident€was€a€continuationÐ Ô&$"& Ðand€aggravation€of€the€injury€sustained€in€1994.€€€This€finding€is€based€primarily€on€Dr.Ð º' #' ÐGawððs€medical€testimony,€that€Baldwin€ð ðcontinued€to€have€problems€after€October€1994.€Ð  (ð#( ÐShe€continued€to€have€pain.€€She€continued€to€have€an€ongoing€aggravation€of€herÐ ° Ðcondition.ðð€€The€medical€testimony€provides€sufficient€competent€evidence€to€find€that€theÐ –æ Ð1995€incident€was€simply€a€flare„up€of€the€original€1994€incident€and€that€it€was€not€aÐ |Ì Ðseparate€injury.€€€Not€only€can€an€employer€be€ð ðliable€for€a€primary€injury€but€the€employerÐ b² Ðcan€also€be€liable€for€every€natural€consequence€that€flows€from€the€primary€compensatedÐ H˜ Ðinjury,€unless€the€subsequent€injury€is€the€result€of€the€claimantððs€own€negligence€orÐ . ~ Ðmisconduct.ðð€€òòJones€v.€Hueyóó,€357€S.W.2d€47,€48€(Tenn.€1962).€€€An€employer€is€liable€forÐ  d Ðevery€natural€consequence€that€flows€from€the€primary€compensated€injury.€€òòJonesóó,€357Ð ú J ÐS.W.2d€at€48.Ð à 0 ÐÌà ½ àThis€finding€is€further€based€on€the€fact€that€Baldwin€reported€the€1995€incident€toÐ ¬ ü  Ðher€employer€and€the€employer€did€not€file€a€ð ðFirst€Report€of€Work€Injury.ðð€€The€recordÐ ’â  Ðshows€that€Baldwin€reported€the€second€incident€immediately€after€it€occurred.€€€Further,Ð xÈ  Ðshe€was€sent€to€doctors€for€further€treatment,€as€authorized€by€her€employer,€and€herÐ ^®  Ðmedical€bills€were€paid,€just€as€before.€€Though€an€employer€is€required€to€file€a€FirstÐ D”  ÐReport€of€Work€Injury€whenever€they€become€aware€of€a€new€compensable€injury,€neither€Ð *z  ÐWaldenbook,€Travelers€nor€KM€filed€a€First€Report€of€Work€Injury€for€the€1995€incident.€€Ð ` ÐOnce€an€accident€has€been€reported,€an€ð ðemployer€or€insurer€has€a€clear€duty€to€informÐ öF Ðthe€injured€employee€adequately€of€its€intentions€regarding€a€claim€so€the€employee€canÐ Ü, Ðact€in€a€timely€manner.ðð€€òòBlocker€v.€Regional€Medical€Centeróó,€722€S.W.2d€660,€663€(Tenn.Ð Â Ð1987).€€Ð ¨ø Ðà ½ àÌà ½ àFurthermore,€€Waldenbook€had€a€duty€to€inform€Baldwin€that€the€1995€incident€wasÐ tÄ Ða€separate€injury€if,€in€fact,€they€intended€to€treat€it€as€such.€€An€employer€has€a€duty€toÐ Zª Ðinform€an€injured€employee€of€its€intentions€regarding€a€claim.€€€òòBlockeróó,€722€S.W.2d€atÐ @ Ð663.€€Since€Waldenbook€did€not€file€a€First€Report€of€Work€Injury€for€the€1995€incident,€theÐ &v Ðevidence€shows€that€the€employer€did€not€treat€the€1995€injury€as€a€separate€event€but€aÐ  \ Ðcontinuation€of€the€first.€Ð òB ÐÌà ½ àIt€is€well€established€that€suit€must€be€filed€within€one€year€after€the€accidentÐ ¾ Ðresulting€in€injury;€however,€the€statute€of€limitations€will€be€tolled€until€the€last€voluntaryÐ ¤ô Ðmedical€payment€is€made.€Tenn.€Code€Ann.€ðð€50„6„203.€€Voluntary€payments€includeÐ Š Ú Ðtemporary€total,€medical€services,€or€medical€benefits.€€òòNorton€v.€Corthranóó,€553€S.W.2dÐ p!À  Ð751,€752€(Tenn.€1977);€òòFields€v.€Lowe€Furniture€Corporationóó,€415€S.W.2d€340,€343€(Tenn.Ð V"¦! Ð1967).€€Ð <#Œ" ÐÌà ½ àBaldwinððs€medical€expenses€were€paid€by€or€on€behalf€of€Waldenbook€throughÐ %X $ ÐNovember€27,€1996.€€Therefore,€the€statute€of€limitations€would€not€have€run€untilÐ î%>!% ÐNovember€27,€1997.€€This€suit€was€filed€on€June€26,€1997.€€Accordingly,€the€suit€was€timelyÐ Ô&$"& Ðfiled.Ð º' #' ÐÌÌÌÌÐ 8,ˆ', Їà ½ àA€second€issue€is€whether€Travelers€was€the€authorized€agent€to€act€for€and€onÐ ° Ðbehalf€of€Waldenbook,€Baldwinððs€employer.׃×Ý ƒ)ÃÝòòÚ  Ú3Ú  ÚóóÝ  Ý×  ×€€Appellant€€Waldenbook€argues€that€noÐ –æ Ðagency€relationship€existed€between€KM€and€Travelers;€therefore,€Travelers€would€beÐ |Ì Ðauthorized€to€bind€Waldenbook€or€KM€for€a€claim€that€arose€while€KM€was€administeringÐ b² Ðclaims€for€Waldenbook.€€We€disagree€with€both€the€conclusion€and€logic€suggested€byÐ H˜ Ðappellant.€€Ð . ~ ÐÌà ½ àA€workersðð€compensation€insurer€is€equated€fully€and€completely€with€the€employer.€Ð ú J ÐòòPerry€v.€Transamercia€Ins.€Groupóó,€703€S.W.2d€151,€153€(Tenn.€Ct.€App.€1985);€Tenn.Ð à 0 ÐCode.€Ann.€ðð50„6„102(4).€Furthermore,€an€apparent€agent€can€be€established€if:€1)€theÐ Æ   Ðprincipal€actually€or€negligently€acquiesced€in€another€partyððs€exercise€of€authority;€2)€theÐ ¬ ü  Ðthird€party€had€knowledge€of€the€facts€and€a€good€faith€belief€that€the€apparent€agentÐ ’â  Ðpossessed€such€authority;€and€3)€the€third€person€relied€on€this€apparent€authority€to€hisÐ xÈ  Ðdetriment.€€òòRich€Printing€Co.€v.€McKeller€Estateóó,€330€S.W.€2d€361,€376€(Tenn.€Ct.€App.Ð ^®  Ð1959).€€Once€an€agency€relationship€has€been€established,€the€principal€can€be€foundÐ D”  Ðliable€for€the€acts€of€the€agent.€€òòRoberts€v.€Iddinsóó,€797€S.W.2d€615€(Tenn.€Ct.€App.€1990).Ð *z  ÐÌà ½ àWhen€Travelers€took€over€the€Baldwin€claim,€it€took€over€as€agent€for€Waldenbook,Ð öF Ðnot€KM.€€Thus,€in€order€to€bind€Waldenbook€for€the€acts€or€omissions€of€Travelers€we€onlyÐ Ü, Ðneed€to€conclude€that€Travelers€was€an€agent€for€Waldenbook.€€It€is€not€€necessary€toÐ Â Ðdetermine€whether€Travelers€was€an€agent€for€KM.€€Ð ¨ø ÐÌà ½ àTravelers€was€Waldenbookððs€workersðð€compensation€insurer€when€the€1995€incidentÐ tÄ Ðwas€reported€to€Waldenbook.€€Therefore,€Travelers€was€an€authorized€agent€forÐ Zª ÐWaldenbook.€€òòPerryóó,€703€S.W.2d€at€153.€€The€establishment€of€this€agency€relationshipÐ @ Ðmakes€Waldenbook€liable€for€representations€made€by€Travelers€regarding€workersððÐ &v Ðcompensation€claims€against€Waldenbook.€€òòRobertsóó,€797€S.W.2d€at€615.€€€€Ð  \ ЀÌà ½ àEven€if€one€were€to€argue€that€Travelers€was€not€equated€fully€and€completely€withÐ Ø( ÐWaldenbook€with€regard€to€the€1994€incident€or€claim,€because€Travelers€was€not€theÐ ¾ Ðinsurer€for€Waldenbook€in€1994,€the€argument€would€fail€under€the€doctrine€of€apparentÐ ¤ô Ðagency.€€òòRich€Printing€Co.óó,€330€S.W.2d€at€376€(Tenn.€Ct.€App.€1959).€€€€WaldenbookÐ Š Ú Ðacquiesced€to€Travelerððs€exercise€of€authority€over€the€claim.€€It€held€Travelers€out€as€itsÐ p!À  Ðagent€for€the€claim.€€Since€Travelers€was€acting€for€and€on€behalf€of€Waldenbook€when€itÐ V"¦! Ðwas€handing€Baldwinððs€claim,€Travelers€therefore€obligated€Waldenbook€by€continuing€toÐ <#Œ" Ðpay€Baldwinððs€medical€bills.€€Travelers€further€obligated€Waldenbook€when€it€treated€theÐ "$r# Ðonly€claim€it€was€handling€as€being€a€continuation€of€the€1994€claim.€€Ð %X $ ÐÌà ½ àFurthermore,€Waldenbook€is€now€estopped€from€asserting€that€the€1995€incidentÐ Ô&$"& Ðwas€a€second€injury.€€Waldenbook,€by€its€actions€and€those€of€its€agents€clearly€Ô_ÔledÐ º' #' ÐBaldwin€and€her€counsel€to€believe€these€incidents€to€be€one€compensable€injury€and€oneÐ ° Ðclaim.€€Ô_ÔWaldenbookÔ_Ô€is€bound€by€the€principle:€€ð ðWhat€I€induce€my€neighbor€to€regard€asÐ –æ Ðtrue€is€the€truth€as€between€us,€if€he€(she)€has€been€misled€by€my€asseveration.ðð€€òòDukesÐ |Ì Ðv.€Montgomery€County€Nursing€Homeóó,€639€S.W.2d€910€at€912€(Tenn.€1982).€€Ð b² ÐÌà ½ àAccordingly,€when€Travelers€was€handling€the€claim,€it€was€as€if€Ô_ÔWaldenbookÔ_Ô€madeÐ . ~ Ðthe€representations€itself€for€Ô_ÔWaldenbookÔ_Ô€is€bound€by€Travelers€representations.€€òòSeeÐ  d Ðgenerallyóó€òòRobertsóó,€797€S.W.2d€at€615€(the€principal€is€liable€for€the€acts€of€its€agent).€Ð ú J ÐSpecifically,€Travelers€obligated€Ô_ÔWaldenbookÔ_Ô€when€it€told€Baldwin€that€the€statute€ofÐ à 0 Ðlimitations€for€the€claim€was€November€27,€1997.€Ð Æ   ÐÌà ½ àFor€the€record,€we€make€no€findings€concerning€whether€Ô_ÔWaldenbookÔ_Ô€or€KM€orÐ ’â  ÐTravelers€have€any€liability€to€each€other€for€the€acts€and/or€omissions€referred€to€herein.Ð xÈ  Ðà ½ àÌà ½ àThe€trial€court€decision€is€affirmed.€€Ô_ÔWaldenbookÔ_Ô€is€liable€and€Baldwin€is€entitled€toÐ D”  Ðreceive€compensation€based€upon€a€sixty€percent€(60%)€vocational€disability€apportionedÐ *z  Ðto€her€arm.€€All€benefits€should€be€paid€in€a€lump€sum.€€Ð ` ÐÌà ½ àCosts€on€appeal€are€taxed€to€the€appellant,€Ô_ÔWaldenbookÔ_Ô€Company,€Inc.Ð Ü, ÐÌÌÌÌà ½ àà  àà m àà Å àà  àà u à______________________________________Ð Zª Ðà ½ àà  àà m àà Å àà  àà u àFRANK€G.€CLEMENT,€JR.,€SPECIAL€JUDGEÐ  @ ÐÔ‡¼w »XX1ãÔÑ8€ÕuXXdædÈ8ÑÑ  ÑÑ  Ñà@º º ¡àÔ#†X1ãX »¼wkR#ÔÔ‡îf® îXX1ãÔIN€THE€SUPREME€COURT€OF€TENNESSEEˆÐ ° Ðà@00#¡àAT€NASHVILLEˆÐ Î ÐÔ#†X1ãX îîf®S#ÔÔ‡¼w »XX1ãÔÔ#†X1ãX »¼w¼S#ÔÌò òÔ‡¼w »XX1ãÔÓ  ÓPATRICIA€BALDWIN€òòóóv.€Ô_ÔWALDENBOOKÔ_Ô€COMPANY,€INC.Ô#†X1ãX »¼wT#Ôó óÐ Ò" ÐÓ!TÓÌà@¡¡)¡àò òˆÌà@¡¡)¡àßA€Y) °°` d€÷Eñ© ` A߈Ð ª ú ÐÌà@ÜÜ¡àNo.€M1999„01577„SC„WCM„CV€„€Filed€„€November€29,€2000ˆÐ Ÿ ï ÐÌßA€Y) °°` dEñj ` AßÐ k »  Ðó óÌÔ‡¼w »XX1ãÔÔ#†X1ãX »¼wV#Ôà@pp%¡àò òJUDGMENTó óÔ‡¼w »XX1ãÔÔ#†X1ãX »¼wfV#ԈР`°  ÐÌòòóóÔ‡¼w »XX1ãÔÔ#†X1ãX »¼wÅV#ÔÌÔ‡¼w »XX1ãÔÔ#†X1ãX »¼wW#Ôà ½ àThis€case€is€before€the€Court€upon€Ô_ÔWaldenbookÔ_Ô€Company,€Inc.ððs€motion€for€reviewÐ b  Ðpursuant€to€Tenn.€Code€Ann.€ðð50-6-225(e)(5)(B),€the€entire€record,€including€the€order€ofÐ øH  Ðreferral€to€the€Special€Workers'€Compensation€Appeals€Panel,€and€the€Panel'sÐ Þ. ÐMemorandum€Opinion€setting€forth€its€findings€of€fact€and€conclusions€of€law,€which€areÐ Ä Ðincorporated€herein€by€reference;Ð ªú ÐÌà ½ àWhereupon,€it€appears€to€the€Court€that€the€motion€for€review€is€not€well€taken€andÐ vÆ Ðshould€be€denied;€and€Ð \¬ ÐÌà ½ àIt€is,€therefore,€ordered€that€the€Panel's€findings€of€fact€and€conclusions€of€law€areÐ (x Ðadopted€and€affirmed,€and€the€decision€of€the€Panel€is€made€the€judgment€of€the€Court.Ð ^ ÐÌà ½ àCosts€will€be€paid€by€Ô_ÔWaldenbookÔ_Ô€Company,€Inc.,€for€which€execution€may€issue€ifÐ Ú* Ðnecessary.Ð À ÐÌà ½ àIT€IS€SO€ORDERED.Ô‡¼w »XX1ãÔÔ#†X1ãX »¼w¤[#ÔÐ ŒÜ ÐÌÌÌà ½ àà  àà m àà Å àà  àà u àà Í àà % àPER€Ô_ÔCURIAMÔ_Ô