CVLR Performance Horses, Inc. v. Wynne et al

Filing 67

MEMORANDUM OPINION. Signed by Judge Norman K. Moon on April 2, 2012. (sfc)

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CLERK' OFFI ' DI COUX : CE 3. BX I .w ..A'L . * I YNGF URQ VA ' L u. FE D , & ' ' I r cxl o sn u soll c, covu' x,us u sw r r AF2 C 2 1 02 FoR THE W ESTERN D I STRI OF V I NI J u c. ù ', . CT RGI A u i y LYNCHBURG DI SON VI I BY; PU7Y ' CV LR PERFORMANCE HORSES,I , NC. CAS NO.6: cvE 11- 00035 Pl nt ai f M EM OR AND UM OPI ON NI V. J m L. YNNE,ET AL. Ol W , J UDGEN ORM AN K . OON M De ant. #nd s Thi ac i ars out of busi s de i and fnanci t ans i be s ton ies nes alngs i al r actons en t he Plitfl CVLR Peror nc Hore, l (t anit f ma e ss nc. $ CVLR', a vai b i s e t 's a ' nd rous usnes nie nd ) i vi l . Pr vi l I c ndu t d a he rng on De e da s orgi m otons t dim is ndi dua s e ousy, o c e ai f n nt ' i nal i o s s CVLR' c aitpurua tt Fe r Rul ofCi lPr e ur l b)6) Att ttme Iookt S ompl n s n o deal e vi oc d e 2( ( . ha i , he m otons under adviem entupon CVLR ' r es aton t t i w ihed t am end is co pl nt i s S epr ent i ha t s o t ai . Eve ua l lgr n e CVLR l a t a e isc pl i t de e t o i na m otonst dim i s nt ly, a t d e ve o m nd t om a n , ni d he rgi l i o s s a m o ,a d pe m it d D e e n st r n w t i m o i nst di m is The e fe , CVLR tl a s ot n r te f nda t o e e he r to o s s . r a t r ied n amended com pl nt i whi i s ai n ch t eeks com pens t y dam ages as wel as equiabl r i . a or l t elef Def n nt s e n l r ne d t i m otonst dim is e da s ubs que ty e we he r i o s s . CV LR bri a cl m under t Racket l l ngs ai he eer nfuenced and Corupt Or za i ns Act r gani t (( CO',1 U. C.jj 1 61 968 l a diin,CVLR asrssaelw cli frb e c of E Rl ' 8 S. ) 9 -1 . n d to set tt a ams o a h c n r c , t to i e f r nc w ih t pe f r a e of c t a t and busi s cons acy i o t a t ori us nt r e e e t he r o m nc on r c , nes p' n vi ain ofVigi a Code j 1 2olto r ni 8. 499. Ho v r my iquiy be nsand e ds wih t RI we e , n r gi n t h CO cl m ,whi h I fnd i unsupportd by CVLR ' f ual alega i , and w ihout whi I l ai c i s e S act l tons t c ack j rs ci ove t smatr Ac odi y frt ra o t tf l Iwil s s tec s uiditon rhi te. c r ngl, o he e s ns ha olow, ldimis h e . 1.BACKGROUND Atneary 60 pages a 189 par aphs i I h,CVLR' a e l nd agr n engt S m nded compl nt oes not ai l is ft a conci e s m ar N evert es ,lw ilendeavort r at t m uliude of f s end t el o s um y. hel s l o est e he tt act aleged,whi a t ss age lm us acceptast ue. l ch t hi t t r A.Fact R el i t t Purchas oft Ri ng Cent Propert s atng o he e he di er y I lt 2006 Cr tlRi r (' .Ries),t prsde ofCVLR,viie t fieof n ae , ysa ves $ Ms v r' he e i nt std he fc J hnW y ($ .Wynn ' i rs s t a a rie n f t rntlofpat eln At o nne ç Mr e' n epon e o n dvetsme t or he e a ) sur d. t tm e,M r W ynne w ast pr dentofThe Ri he i . he esi vennontBanki Com pany,l ,w hi i now ng nc. c s kn asRi r ntCo ula s l .(d vemon l t c s oft rc ra on,Mr own vemo ns tnt, nc d r f). n he oure hei onvest Ri . W y ne r p es nt d t M s Ri e s t tRi r o wa a b nk a he a e d,ose i y o be l n e r e e o . v r ha ve m nt s a nd gr e t ns bl ha f of Ri m ont t fna t pur e of r esat a equi ent f CV LR' hors rdi ver , o i nce he chas eal t e nd pm or S i ng busnes i s. On Oco r 1 200 Mr Wyn c ntce Chals Danel (t .Dane1',t tbe 2, 7, . ne o a td re r l E Mr r ' he ) prsde ofOl Domi on Nai lBa (d d Do ni ),t iquie a ta l . Mr ei nt d ni tona nk çOl mi on' o n r bou o . W ynne t d M r. D ar l t t he had a cont a t pur e ri ng cent pr ry f ol nel ha r ct o chas di er op t or $47 000. Therdi c n e pr e t wask 5, 00. i ng e tr op ry nown a t See Cr e Ri ngCe e n was s he r ne e k di ntr d o d b S & R Fam,LLC (i & R Fa '. Ac or ngt CVLR,t tsae n w sfle; wne y r :S nn' ) c di o ha ttme t as M r W ynne had no s cont ac . How e ,M r Dar lpr par a El pr . uch r t ver . nel e ed toan esent ton, 'whi ai ch i cat t Ol D om i on w oul be fnanci 100% oft rdi cent pr t s r e ndi ed hat d ni d i ng he i ng er opery' chas prce. On Oct r 28,2007,M r.W ynne obt ned t sgnat es oft t o m em ber o S & R i obe ai he i ur he w s Fam,Rap Be k (( r Be k' a Sha aLetr(. .Lese) a wela Ms Ri s ona r lh c d . c ' nd nn se I M ) MS tr, s l s . ve , r est e contact under w hi S & R Far pr ied t s l t rdi cent pr ery t eal at r ch m om s o el he i ng er o t o (CVLR Peror C f mance H or orAssgnee.' The nextda O l D om i on appr ses i ' y, d ni oved t l n w ih he o t 2 t borower lsed as çan LLC t be f m ed' and t guar or ls e as M r W ynne nd M s he r it t o or ' he ant s it d . . Ri r ve s. CVLR aleges t tM s.Ri s s t l appr l ha ver aw he oan ovall t and t r es a e co tacton eter he eal t t r Nov m be 2,20 e r 07. A c o di t CVLR,M s Ri e s t oug t tt pur ha e woul be he c r ng o . v r h ht ha he c s r r cl el hel cor aton,CVLR, and t t (LLC t be f m ed,'of w hi s wo l be a os y d por i hat he S o or ' ch he d m ember woul tnance t s e by bor ow i t m oney fom Ol Dom i on. Fur er s , d i he al r ng he r d ni t , he t houghtt CVLR woul gi a Sm orgage' t t new LLC t s e is r hat d ve s t ' o he o ecur t epaym en of Ol d Dom i on' l ni s oan. M s.R i s di notknow t M r W ynne ha t d Ol Dom i on t at 1650 ver d hat . d ol d ni Pates LLC ($650Pat r' ape xitn LLC c tole byMr W y ,woul b t s e rn r, $1 rnes), re sig onr ld . nne d e he ol pur has c er. On N ovem ber 20, 2007, t cl ng on t s e of t rdi cent pr he osi he al he i ng er ope y was conduc ed,t r t ofwhi h was t conveyance oft pr t fom S & R Far o 1650 t he esul c he he opery r m Pa ner . Prort t cl ng,t oper i agr rt s i o he osi he atng eementf 1650 Part s was am ended t gi or ner o ve M s. Ri s a 0. % i er t i 1 ver 01 nt es n 650 Parner . At t cl ng, M s. Ri s si t s he osi ver gned varous i document t nki t tt pr s, hi ng ha he opert wasbei conveyed t CVLR and t CVLR w as i ng a y ng o hat vi (m orgage' f t rdi cent pr ry. M s.Ri s t d M r. W ynne t t t s i ha s E t ' or he i ng er ope t ver ol ha hi s t he t hought and he t d hert herundersandi w ascor ect , ol hat t ng r . B.Fact R el ng t S & R Farm ' Ale Breach ofCont s ati o s l ged ract S & R Far e er i o t O c ober28, 2007 r esat cont act pr i ng t s lt m nt ed nt he t eal t e r , om si o el he rdi cent pr i ng er opert t S y oI CVLR Peror ance Hor es or A s gnee.' H owever CVLR aleges f m s si ' , l t on November 13,2007,S & R Far diect is ator t pr e a deed conve i t hat m r ed t t ney o epar ng he pr t t 1 Parner i t ad. On Nove ber l , 2007,S & R Far ' m em ber opery o 650 t s ns e m 5 m s s, . Beck and M s.Les er exe ed t deed. CVLR m ai ai t i neveras gned ori ended t assgn t , cut he nt ns hat t si nt i 3 is c n r c u rgh t p c as t rdi c nt r p ope t a t t t r i no wrtng t o t a t al i t o ur h e he i ng e e r r y nd ha he e s ii consiutng s an as gnm ent However CVLR alegest tS & R Far neve hel s s d t tt i uch si . , l ha m rt es ol he pr t t 1650 Parner i br opery o t s n each oft contact As a r ul,CVLR cl m s i l tt beneft he r . es t ai t os h i ofisba gai t pur e t rdi cent aswel ast expect t r n o chas he i ng er l he ancy ofoper i i. atng t C.Fact Rel i t M r.W ynne' A cqui ton ofCVLR ' Insur e Proceed s atng o s sii S anc W or ng undert ass pton t i owned t ri ng cent pr t CVLR p r ed ki he um i hat t he di er opery, chas a g nea Ia iiy polc fo Ameia Ba kesl ua eCompa (W meia B kes), e rl ibl t iy rm rc n n r ns rnc ny E rc n r' coverng t rdi cent pr t and ls i O l Dom i on as t l payee. l ebr y i he i ng er opery itng d ni he oss n uar 20 w i da a e o cu r d a t r d ng c n e p op ry. The e fe ,CVLR fl d a i s a e 08, nd m g c r e t he i i e t r r e t r a tr ie n ur nc c a m wih Am e i a Ba r . Aûe t e esi a e f fxi g t da a we e ob a e a li t rc n nke s r hr e tm t s or i n he m ge r t i d nd s mitd Ame ia Ba e sa o d a pa me of$3800 00 t r part e ba n. ub te , rc n nk r ppr ve y nt , 0. o e i h r we r ve, M r W ynne t d CVLR t he coul ge G l W hie, a gener cont act w ih w om he . ol hat d t en t al r or t w or d,t do t wor f l s. CVLR agr t alow Gl W hie t do t w or ke o he k or es eed o l en t o he k. On Apr l7,2008,Am ercan Banke isued t SCV LR Pe f m ance Hor es, l nd Ol i i rs s oS r or s nc. d Domi o Na i lBa ' wo c e kst t ln $26309.4.On Ap i 20 M r W y e ie a nin tona nk't h c o aig , 2 rl , . nne m ld n em pl oyee ofO l Dom i on and r d ni equest t he Sge t i ur ed hat d t he ns ance pr oceeds r eas o lcan el ed r pai t buidi ' M r W ynne s a ed t tTerance W hie woul do t wor . He w ot t e r he l ngs.' . t t ha r t d he k e hat h ç xpete t c t t beao $1 0 00.Th rmani poc e wilb u e oma e ç cld) he oss o rund 0,00. e e e i ng r e ds l e s d ke ca t a tonst t pr t ' He alo wr e t tdIwoul hope you w oul putt p oceeds pial ddii o he opery.' s ot ha d d d he i o t 1 checki account.' Accor ng t CVLR , Gl W hie,t contact wh m M r nt he 650 ng ' di o enn t he r or . W ynne had r om m ended,cam e t t rdi ce er and began w or r ec o he i ng nt k econs r i t bar i t uctng he n n t s i of 2008. However he prng , h n ve fnihe te j b,a i ta usd sme o t e e r i s d h o nd nse d e o f he consr i m a eral i ended f t bar on anot com m er alw or t . tucton t i s nt or he n her ci ksie 4 CVLR f t rale st tMr Wynn sn afr d lte t t i urnc aj soro urhe lge ha . e e t oge etr o he ns a e d t n Sept be 18,2008. The l tr w as alegedl on t l t head of Gl W hie and wa sgned em r ete l y he eter en t i w ih t i tal EGD W .' The l t r t he nii s E ' eter equesed pa ent of atached i ces,paya t M r. t ym t nvoi bl o Wy n .Th lt rfley sae ta dl ep oeti c mpeea d CVLR,Ol Do n nNa' n e e et as l ttd h t t- rj c s o lt n e -h d mii tl Ba ka Mr W yn w/650PatesLLC wa st co et b o t sprj c. A c dng n nd . ne 1 rn r nt o ls he ook n hi oe t' ori ' t CVLR,t lteri a f ger because i i handwrten by M r.W ynne butpur t t be fom o he e t s or y ts it por s o r G ln W hie. The r r t t bar had notyetbeen com pl ed a CVLR,t nam ed i ur e t epais o he n et nd he ns ed, ha no a t i d t i urnc c a t cls t bo on t poe t The nvoie d t uhorze he ns a e omp ny o o e he ok he rjc. cs atac t t f wer f om i-erance W hie T/ W hie Consr ton,'but Teranc W hie t hed o he ax e r t r f t A t tuc i ' r t wasem pl oyed by M r W ynne and w asnota lcens contact . U li at y,i ur . i ed r or tm el ns ance r oceeds wer pai outt Ter ance W hie,w ho endor ed al oft checksovert Ri r ont e d o r t s 1 he o ve m . D.Fact R el i t t Purchas oft Ford F650 Truck s atng o he e he The f saleged i t sre d a e m any and conf ng. W hie Ihavet i t di ilt act l n hi gar r usi l red o s l hem a cl a l a pos i l ,pe f c cl rt i u tai a e. On Fe ua y 9,20 , M r.W ynn ,actng s e ry s s b e re t a iy s na t n bl br r 07 i f Ri m ont pl or ver , aced a buyer s or f a 2002 For F450 t uck at Batl i d or i ' der or d r tefel d n M a a s s Vigni The s lsprc oft tuc wa $ 5 00. The tuc wa tte i t e n s a , r i a. ae ie he r k s 26,00. r k s il n h nam e ofR i mont M r.W ynne and M s. Ri sagr ed t t t uck w as f t us o CVLR, ver . ver e hat he r or he e whih oper ed and i ur t vehi e. However t tuck had mechani pr em s and s c at ns ed he cl cal obl o , he r M r W ynne and M s.Ri sagr t t ade i i . . ver eed o r t n On M ay 8,2007,M s Ri scom pl ed a buyer sor f a 2006 For F650 t ck and . ver et ' der or d sgn d apr mis y not i fvoro Bate il Fo d i t a ntof$7 ,508. 1 A r pt i e o sor e n a f tlfed r n he mou 6 86. ecei ceriyi delver oft For F650 tuck t tBuyerCr t V it i Lee Ri 'w assi ed a tf ng i y he d r ot ysal c ora vers' nd 1Thet a dei rdprc wasi e ce sof$1 5 ' tBateil Fo d ga M s Ri r c e tf t ta e i otl lvee ie n x s 00000 bu tlfed r ve . ve s r di or he r -n vale oft e de e tv For F45 t c t ats a M r W yn ha pr vi usy p cha ed. u h f c i e d 0 nlk h he nd . ne d e o l ur s 5 gi n t M s.Ri s. An çA pplc i f Cerii t ofTil and Regitaton' was pr ar a ve o ver s i aton or tfca e te sr i ' ed t Batl i d For lsi t owner of t For F650 tuc as M s. Ri tefel d i tng he s he d r k vers and M r. W ynne. How e ,aE- por y Certfc eofTil 'wasi s t dcr t Vi ora Lee Ri s' ver d rem ar ii at te' s ued o d ys al ct i ver . OnMa 21 200 Ri r ta Mr W y (spate o t frtpat a C LR a y , 7, vemon nd . nne a ris f he is r) nd nd Ms Ri r (spa t oft sc pat e trd i o a t a e Loa a Co rc t Bu . ves a ri es he e ond r) nee nt te s , n, nd nta t o y Agr ent'dr eem ' ahed by M r.W ynne. By si ng i,CVLR agr t pay Ri r ont i er t of gni t eed o ve m n es 8. per annum on any m oney t CVLR borowed fom M r W ynne. The agr 5% hat r r . eem nt alo s r r CVLR t pay t prnci and i er t owed by M r.W ynne and Ri m on t M r equied o he i pal nt es ver o . W ynne' cr t i M r. W ynne bor ow ed m oney t pur s edior f r o chase equi ent t s l t CVLR. pm o el o Addii l t agr ent pr ded t t CVLR a M s. Ri s wer deem ed o have tonaly, he eem ovi ha nd ver e tborowed varous m oni ' and tagr ed t pur e cert n pi i r i es' d e o chas ai eces of equi entt i l 'a pm o n ude' 2002 For F450 tuc d r k. On J 18,2007,M r W ynne s a ha rten f x t Batl i d For s atng: une . ent ndw it a o tefel dti Thi i t dealas lunder t i pl e confr . lam gi ng Batl i d tte t s s he s and t eas im vi tefel il t 200 F450 wih ta i vau of$2767 27. I a alo t wie $1 , he 2 t rde n le , 3. m s o r 600 (i e nT'o a dDolas t Bat i d.Cr tlRiesi sg nga$6 5088 sxte h us n lrl o tl el ysa v r s ini ef 0, . po soyn t t b h l b Da i.OnJ l l2 0 Cr sa i t p yt a n t r misr oe o e ed y vd uy 0 7 y tls o a h t o o .Upo rc p o my $1 , wiet ve cewil tte i t na s J h ut n e eit f 6000 r he hll lbe lld n he me : o Lei W ynne a Cr t Vi ora Lei Ri s. gh nd ys al ct i gh ver The s m e da ,M s Ri r s nta f x t Ba te i l Fo d s yi t tM r W m n E spr a e t a y . ve s e a o tl fe d r a ng ha . e E e rd o i wie t a dii l$1 0 t a 1wils nd t e orgi lGu r nte ofTil & Til. lne d r he d tona 6,00 od y. l e h i na a a e te te e a ot rPr mis y No e f t r manig baa e $6050886. M on wilbe wie t yo n he o sor t or he e i n lnc , . ey l rd o u fom m e f t t am ount' Undert M ay 21 tleas , Loan and Contactt Buy Agr m e ,' r or ha ' he tw e r o e nt' M r W ynne had aleady com m it i w rtng t l hert m oney t pur e t t k. On . r ted n ii o oan he o chas he ru J ne 28 20 Ri r tpad $1 0 00 t Batefe d For Subs qu nty Batl i d For u , 07, ve mon i 6,00. o tl il d. e e l, tefe d p e rd anot t b sg d b M s Ri r i t a r pae e o e ine y . ves n he moun of$ ,508. t 60 86. 6 On Se e ber20,2007,Batl i d For w r e t M s.Ri rs i or i hert not ng pt m tefel d ot o ve , nf m ng hat hi had been pai on t ori nalpr i or not W hen s r ved t l t ,M s Ri s as d he gi om ss y e. he ecei he eter . ve ked M r W ynne w hy he had not pai Ba tefel For f t tuck. Alegedl as a r u t of her . d tl i d d or he r l y es ques i ng, on Sept ber 26, 2007, Ri m ont a i f a l fom BB& T E i ent toni em ver ppled or oan r pm Fi nc f t pur e of p yi Ba te i l Fo d t pu c s p i e oft For F6 0 tuc na e or he pos a ng tl fe d r he r ha e r c he d r k. M r W ynne f xed t BB&T a buyer' or s i t t pur e pr ce oft t c was . a o s der how ng hat he chas i he k $1 4, 5.4,bu Ri r talo r c i d a pa tci ton f e of $ 1 46 fo BB T. The 0 21 3 t vemon s e eve ri pai e 3,26. r m SBB& T Equi ent Fi S pm nance Loan and Securt Agr ent' s gned by Ri m ont equied iy eem ' i ver r CVLR t pa 7 e ual t yi t l n sf rat t la rit r s, $1 338.6. o y 2 q mon hl nsalme t o o a, ûe n e e t of 42, 9 A r pt ceriyi delver oft For F650 t uck t Ri m ontwas si ecei tf ng i y he d r o ver gned a d gi ven t M r. W ynne a Batl i d For on Sept ber 27, 2007. Thus t r pt ce ii t o t tefel d em , he ecei fed o Ri m ontdelver oft s ver i y he ame tuc t ha been certfed asdelver t M s.Ri s on M a r k hat d ii i ed o ver y 8,2007. Al on Sept m ber27,2007,M r.W ynne,actng f Ri m ont sgne an (O om et so e i or ver ,i d & er Dicl ur St em ent'satng t t m ieage on t odom et oft Ford 1650 tuck w s 3,936 s os e at ' t i hat he l he er he 7 r m ies. However CVLR alegest t s sat entwas pat l f s because t e w e e 3,936 l , l hat hi t em enty al e her m ies on t tuck on M ay 8, 2007 w hen M s. Ri s s gned t dodom e er D icl ur l he r ver i he s t os e St e ent'f t s e vehi e t s had drven t oughoutt s m erof2007. M r W ynne at m ' or he am cl hat he i hr he um . ha t tuc tted i t nam e ofRi m onton Sept ber27, 2007,des t t f t ti ha d he r k il n he ver em pie he act h t d aleady been tted i t nam e ofM s. Ri son M ay 8,2007. r il n he ver M r W ynne obt ned t beneft of t w arant f t tuck engi by . ai he i he r y or he r ne l ng owi Batl i d For t change t dat on t Cat pil tuck engi war ant r s r i n fom tefel d o he e he er lar r ne r y egitat r Ma 8 20 (hedaet tMs Ri r orgi ly sgn d t warnt f m)t Se e be 27 y , 07 t t ha . ves i nal i e he ra y or o pt r , 2007,and by dr i a lne t ough M s. Ri s' nam e and wrii twr sal i o' ne t aw ng i hr ver s tng i ong es nf ' xt o 7 hernam e. A ddii l M r W ynne obt ned t beneftoft A lion tans i i w arant by tonaly, . ai he i he ls r m sson y havi Ba tefel For e e t t Ri m ont was t owner of t war ant bas on t ng tl i d d nt r ha ver he he r y, e he sgnat e çon fl ' How e , t si ur on fl was t t of M s. Ri s. Si i rl t i ur d ie.' ver he gnat e ie ha ver m l y, he sgnat e on t Cat pil engi and t a m isi warant f m i M s.Ri s' ton fl ' i ur he er lar nes r ns s ons r y or s ver s ie' s g t e,e n t ugh t o ne of t w a r n y i lse a Ri r on . On Se t b r 2 i na ur ve ho he w r he ra t s it d s ve m t p e e 7, 2007,a M r W ynne' r t . s eques,a s esm a em pl t al n oyed by Batl i d For pr tefel d epare a new buyers d ' or wih t sa e dealnum ber as t buyer s or si der t he m he ' der gned by M s.Ri s on M ay ,2007. ver Thus,t new buyer' or i he s der ndentfed Ri m ontas t pur er oft sam e tuck hatM s. ii ver he chas he r Rie sh d p e o l p c s d. Furhe,i lse t t t dei r d prc a $1 7 . pls v r a r viusy ur ha e t r t itd he oal lve e ie s 00,3 34 u a e e e s r c c ta tof$348 0 b di n pr vi c e tf a ta i rdo n xtnd d evie on r c , 5.0, ut d ot o de r di or ny r de n wn p yme t ma ngt ne s lsprc $1 , 5. a n , ki he t ae ie 0421 34. Thus CVLR aleges t tM r W m ne,ac i t ough Ri m ont f s y r es t t t , l ha . tng hr ver , alel epr e ed ha t baa e d t Bate i d For wa $1 4, 5. Bu a o ln i M r W m ne s un 1 , he lnc ue o tlfel d s 0 21 34. t s utied n . ' e 8 2007f x t Ba te il Fo d,whih d s rbe ç h d al'Rie mon ha p d $1 , 0. 0 d a o tlfed r c e c i d ç e e , v r t d ai 600 t ' own a ta d-n t e For F45 tuc f $ 6 27,ma ng t a t lbaa e du $6 5 8 nd rde i h d 0 r k or 27,73. ki he cua lnc e 0 08.6. Uli t y,wh n Ba te il For o aie t e $1 7,418 i l n pr e ds fo B &T, i tmael e tlfed d bt n d h 0 3 .0 n oa oc e r m t ma o ac e f t difr nc i t ea ntof$4367 27 p abl t M r W y . de ut h ck or he fe e e n h mou , 3. , ay e o . nne E.Fact R el i t Ri s atng o verm ont' Use ofM s.Ri s' Aut I urance Polc s ver s o ns iy On Febr y 1,2007,M r.W ynne pur ed a 1999 Chevr etTahoe and tted ti t uar chas ol il n he name of Ri r ont W ihout M s. Ri ' know l ve m . t verss edge or cons , M r W m ne t phoned ent . el Magi Calha ($ .Calha ',whowa Ms Ri r' Stt Fam i urnc a e , nd t d r e la n E Ms la n' ) s . vess ae r ns a e g nt ol her t t M s. Ri s had aut i hi t add Ri m onts 1999 Chevr et Tahoe t M s. ha ver horzed m o ver ' ol o 8 Ri r ' a t i ur nc polc Att ttm e, s Cala a r pr s nt d t ts h c ul o g a t ve s s u o ns a e iy. ha i M . l h n e e e e ha uc o d t r n M r W ynne' r . s eques becaus ofhi pr ousDUlconvi i t e s evi cton. On A pri 1 2007,accor ng t M s.Calahan' not M r W yl r l 6, di o l s es, . me eques ed t atSt t t ae Far çr i t e' i ance coverage f t Tahoe. I appear t t Tahoe wasadde t M s m de-nsat ' nsur or he t s hat he o . Ri r ' p i y a t s poi . Howe r on M a 2,200 St t Fa m c nc le c er e o t ve s s olc t hi nt ve , y 7, a e r a e ld ov a f he Tahoe on M s.Ri rs s a o i ance polc becaus t St e Far undenvrtng de arm ent ve ' ut nsur iy e he at m ii t r ecogni d t M s.Ri swasnott ownerofRi mont ze hat ver he ver . On Sept ember 13,2007,M r W ynne agai t ephoned M s.Calahan i or t pl f . n el l n der o y or r nsat ent of t cover of hi Tahoe on M s.Ri s' polcy, f sel cl m i ha M s. ei t em he age s ver s i al y ai ng t Ri s w as an empl ver oyee of Ri m ont Evi l t Tahoe was r nsat on M s. i s' ver . denty, he ei t ed ver s polcy. On Oc ober 9, 2007, M r.W ynne' t i t s eenage s w r on ecked t Tahoe i an cci , he n dent r uli i a t all oft vehi e. M r.W ynne caled M s.Ri s and as hert al M s. es tng n ot oss he cl l ver ked o l Calahan t i or her aboutt wr l o nf m he eck. A ccor ng t CVLR,M s. Ri e s c le M s ala a di o v r ald . lh n becauseshet houghtM r W ynne wasupse . . t On Oct ober 22, 2007,a St e Far r esent tve caled M s. Ri and t d er t at m epr ai l vers ol hat St e Fa m was pr ed t s a check t pay her cl m . M s Ri r t l t r p e n a i e at r epar o end o ai . ve s o d he e r s t tv t t s had notm ade a cl m and,accor ng t t St e Far actviy l , dverfed hats ha he ai di o he at m i t og s ii he doe no ha a yt ngt dowiht sv hil s ne dt (pe kwih t owne J hn y . s t ve n hi o t hi e ce o e o s a t) he ro nne' ' The r es atve t caled M r W ynne who tverfed he owns t Ri m ontBan ' Co. epr ent i hen l . d ii he ver ng and Cr t coul drve t vehi e and s d have been Is ed as drver not i ur ' The ysal d i he cl houl it i ns ed ' r es atve as M r.W ynne t pr de pr t he owned Ri m ont M r W ynn s t epr ent i ked o ovi oof hat ver . . ent o St e Far an alegedl f ged 2007 AnnualRe tofRi m ontt w as orgi l s ned by at m l y or por ver hat i naly i hi ator on Janua y 26,2007. Theorgi docum entdi notls M r W m ne ashavi a r e s t ney r i nal d it . n ol 9 i Ri r o . A c o di t CVLR,M r W m n c nge t f r i t f l ng a :h n ve m nt c r ng o . e ha d he o m n he olowi ys e checked t box l ed taddii ' checked t boxes