GeoVera Specialty Insurance Co. v. Small et al
Filing
64
ORDER denying 41 Motion to Strike Jury Demand, as set out in order. Signed by Judge Kristi K. DuBose on 7/11/2011. (cmj)
IN THE UNITED STATES DISTRICT COURT
FOR THE SOUTHERN DISTRICT OF ALABAMA
SOUTHERN DIVISION
GEOVERA SPECIALTY
INSURANCE CO.,
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Plaintiff,
v.
STANLEY E. SMALL, et al.,
Defendants.
CIVIL ACTION NO. 1:10-00641-KD-N
ORDER
This matter is before the Court on Plaintiff’s “Motion to Strike Jury Demand” (Doc. 41),
Defendant LaFredrique George’s Response in opposition (Doc. 45), and Plaintiff’s Reply (Doc. 48).
For the reasons stated herein, Plaintiff’s motion is due to be DENIED.
I.
Facts & Procedural History
On March 25, 2011, Plaintiff GeoVera Specialty Insurance Co. (“GeoVera”) filed an
Amended Complaint against Defendants Stanley E. Small, Frank H. Kruse as Administrator for the
Estate of Ryan Scott Small, Deceased, and LaFredrique George (“George”), seeking declaratory
judgment under 28 U.S.C. § 2201-02 as to the rights and obligations of all parties to this action
pursuant to a Homeowners Insurance Policy (“the Policy”) it issued to Stanley Small. Jurisdiction is
proper pursuant to 28 U.S.C. §1332(a)(1). (Doc. 18).
The Amended Complaint alleges the following: On March 31/April 1, 2009, Ryan Small, son
of Stanley Small, attacked and injured George on premises in Mobile, Alabama, owned by Stanley
Small and covered by the Homeowners Insurance Policy. Ryan Small was arrested and charged with
attempted murder because of the incident. George filed a civil suit in the Circuit Court of Mobile
1
County, Alabama, against Ryan Small for damages. Ryan Small has died since the inception of
George’s civil suit. GeoVera is currently defending in George’s civil suit under a reservation of
rights. In the present action, GeoVera seeks declaratory judgment as to whether there is coverage
available under the Policy for the incident involving George and Ryan Small. (Id.).
GeoVera’s original Complaint did not include George as a defendant. (Doc. 1). In his
Answer to the original Complaint, Stanley Small demanded a trial by jury. (Doc. 5). GeoVera filed
a motion to strike Stanley Small’s jury demand (Doc. 7). Because Stanley Small filed no objection,
the motion was granted as being unopposed and his jury demand was stricken. (Doc. 11).
GeoVera’s Amended Complaint added George as a defendant “with interest in the outcome
of this declaratory judgment action.” (Doc. 18). In his Answer to the Amended Complaint, George
demanded a trial by jury. (Doc. 40). GeoVera has moved to strike George’s jury demand as well.
(Doc. 41).
II.
Analysis
Rule 57 of the Federal Rules of Civil Procedure expressly preserves the right to a jury
trial in declaratory judgment actions of issues which would ordinarily be tried to a jury and also
incorporates the provisions of Rule 38. Rule 57 sets forth as follows:
These rules govern the procedure for obtaining a declaratory judgment under 28
U.S.C. § 2201. Rules 38 and 39 govern a demand for a jury trial . . .
Fed. R. Civ. P. Rule 57. Rule 38 sets forth as follows:
(a) Right Preserved. The right of trial by jury as declared by the Seventh
Amendment to the Constitution--or as provided by a federal statute--is preserved to
the parties inviolate.
(b) Demand. On any issue triable of right by a jury, a party may demand a jury trial
by (1) serving the other parties with a written demand--which may be included in a
2
pleading--no later than 14 days after the last pleading directed to the issue is served;
and (2) filing the demand in accordance with Rule 5(d).
(c) Specifying Issues. In its demand, a party may specify the issues that it wishes to
have tried by a jury; otherwise, it is considered to have demanded a jury trial on all
the issues so triable. If the party has demanded a jury trial on only some issues, any
other party may--within 14 days after being served with the demand or within a
shorter time ordered by the court--serve a demand for a jury trial on any other or all
factual issues triable by jury.
Fed. R. Civ. P. 38. Finally, Rule 39(a)(2) provides:
(a) When a Demand Is Made. When a jury trial has been demanded under Rule
38, the action must be designated on the docket as a jury action. The trial on all
issues so demanded must be by jury unless . . . (2) the court, on motion or on its
own, finds that on some or all of those issues there is no federal right to a jury
trial.
Fed. R. Civ. P. 39(a)(2). Thus, a party to a declaratory judgment action may demand a jury trial
on some or all issues triable of right by a jury under federal law. See also Simler v. Conner, 372
U.S. 221, 222 (1963) (“[T]he right to a jury trial in the federal courts is to be determined as a
matter of federal law in diversity as well as other actions.”). George has been properly added as
a defendant in this action.1 His jury demand reads “Defendant, LaFredrique George, demands
1
See Am. Safety Cas. Ins. Co. v. Condor Assocs., 129 F. App’x 540, 542 (11th Cir. 2005) (“In
Ranger[ Insurance Co. v. United Housing of New Mexico, 488 F.2d 682 (5th Cir. 1974)], we affirmed the
district court's conclusion that the absent tort claimants were indispensable parties to the insurer's declaratory
judgment action against the insured because, were the case allowed to proceed without them, ‘the claimants'
interests would be prejudiced.’ Id. at 683 . . . The district court in this case acted well within its discretion in
applying the reasoning and analysis from Ranger to reach the conclusion that the Volpes[, injured parties
suing the insured,] would be prejudiced if [insurer] ASCIC's suit were to proceed without them. Indeed, it
probably would have been error not to follow Ranger.”); Dairyland Ins. Co. v. Makover, 654 F.2d 1120, 1123
(5th Cir. Unit B Sept. 1981) (“In a declaratory judgment action brought by an insurer to determine coverage
under a liability policy issued to the insured, third parties claiming liability in state tort suits against the
insured have been held to be proper parties to the declaratory suit, even though their claims against the insurer
was contingent upon recovery of a judgment against the insured.” (citations omitted)); Earnest v. State Farm
Fire & Cas. Co., 475 F. Supp. 2d 1113, 1116-17 (N.D. Ala. 2007) (applying Condor, Ranger, and other
similar former-Fifth Circuit opinions in holding that, in a declaratory judgment action between an insurer and
an insured, “the underlying tort plaintiff would be an indispensable party no matter who initiated the
complaint[.]”); White-Spunner Constr., Inc. v. Zurich Am. Ins. Co., Civil Action 10-0158-WS-C, 2010 WL
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trial struck by jury.” (Doc. 40 at 3). Because the demand does not specify certain issues, it will
therefore apply to “all the issues so triable” in this case. Fed. R. Civ. P. 38(c).
“When the right to a jury trial is at issue, a court should first look to see if Congress has
provided the right to a jury trial; if Congress has created a legal right, a jury trial is required. If
Congress has not provided an express right, then the court must decide if a constitutionally
protected right to a jury trial exists under the seventh amendment to the United States
Constitution.” Alexander v. Chattahoochee Valley Cmty. Coll., 303 F. Supp. 2d 1289, 1291
(M.D. Ala. 2004) (citing Tull v. United States, 481 U.S. 412, 417-27 (1987), Lorillard v. Pons,
434 U.S. 575, 585 (1978), Waldrop v. Southern Company Services, Inc., 24 F.3d 152, 155 (11th
Cir. 1994), and Kennedy v. Ala. State Bd. of Educ., 78 F. Supp. 2d 1246, 1250 (M.D. Ala. 2000)
(Thompson, J.)). “The Declaratory Judgment Act [] preserves the right to jury trial for both
parties, but does not create a right to a jury trial.” Sunshine Co. Food Distrib., Inc. v. U.S.
Citizenship & Immigration Servs., 362 F. App’x 1, 4 (11th Cir. 2010) (internal quotations
omitted). Because the Declaratory Judgment Act does not itself create a right to a jury trial, the
Court looks to the Seventh Amendment to determine if George has a right to a jury trial in this
declaratory action. The Eleventh Circuit has held:
The Seventh Amendment preserves the right to a jury trial "in suits at common law,
where the value in controversy shall exceed twenty dollars." The amendment extends
the right to a jury trial to all suits where legal rights are involved, whether at
common law or arising under federal legislation. See, e.g., Curtis v. Loether, 415
U.S. 189, 194, 94 S. Ct. 1005, 1008, 39 L. Ed. 2d 260 (1974) . . . In contrast, the
right to a jury trial does not extend to cases in which only equitable rights are at
stake. Curtis, 415 U.S. at 198, 94 S. Ct. at 1010.
3489956, at *3-6, 2010 U.S. Dist. LEXIS 90339, at *9-21 (S.D. Ala. Aug. 30, 2010) (Steele, C.J.) (slip
opinion) (applying Condor and Ranger in finding underlying tort plaintiff was indispensable party to
declaratory judgment action).
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Waldrop v. S. Co. Servs., 24 F.3d 152, 156 (11th Cir. 1994). With regard to declaratory
judgments specifically, the Eleventh Circuit has stated:
Suits for declaratory judgment are a statutory creation enacted by Congress in the
Declaratory Judgment Act, 28 U.S.C.A. secs. 2201-02, and are neither inherently
legal nor equitable in nature. American Safety Equip. Corp. v. J.P. Maguire & Co.,
391 F.2d 821, 824 (2d Cir. 1968). When determining whether a declaratory judgment
action is legal or equitable, "courts have examined the basic nature of the issues
involved to determine how they would have arisen had Congress not enacted the
Declaratory Judgment Act." Wallace v. Norman Indus., Inc., 467 F.2d 824, 827 (5th
Cir. 1972); United States v. New Mexico, 642 F.2d 397, 400 (10th Cir. 1981);
Diematic Mfg. Corp. v. Packaging Indus., Inc., 516 F.2d 975, 978 (2d Cir.), cert.
denied, 423 U.S. 913, 96 S. Ct. 217, 46 L. Ed. 2d 141 (1975); American Safety,
supra; Chevron, U.S.A., Inc. v. Oubre, 93 F.R.D. 622, 623 (M.D. La. 1982); see
generally Hartford Financial Systems v. Florida Software Serv., 712 F.2d 724, 72627 (1st Cir. 1983).
Gulf Life Ins. Co. v. Arnold, 809 F.2d 1520, 1523 (11th Cir. 1987) (footnote omitted). See also
Marseilles Hydro Power, LLC v. Marseilles Land & Water Co., 299 F.3d 643, 649 (7th Cir.
2002) (“[C]asting one's suit in the form of a suit for a declaratory judgment, or adding a claim for
a declaratory judgment to one's other claim or claims for relief, does not create a right to a jury
trial. Rather, as the Third Circuit put it nicely in Owens-Illinois, Inc. v. Lake Shore Land Co.,
610 F.2d 1185, 1189 (3d Cir. 1979), ‘If the declaratory judgment action does not fit into one of
the existing equitable patterns but is essentially an inverted law suit -- an action brought by one
who would have been a defendant at common law -- then the parties have a right to a jury. But if
the action is the counterpart of a suit in equity, there is no such right.’”).
In Gulf Life, a “fiduciary file[d] a declaratory judgment action seeking to determine its
liability for benefits claimed by a former employee who was a participant in the fiduciaryemployer's ERISA-qualified employee benefit plan.” 809 F.2d at 1522. The court held that
“[b]ut for the Declaratory Judgment Act, the only way this action could have arisen is as a suit
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by Arnold to collect the severance pay he claims he is due -- a legal, not equitable, action. Thus,
Gulf Life's declaratory judgment action was not a civil action seeking equitable relief.” Id. at
1523 (internal quotations omitted).
As to whether George has a right to demand a jury trial as a properly-added defendant
who is not a party to the Policy but has an interest in the outcome of this litigation due to his
state court lawsuit, the Court looks to Reiswerg v. Great American Insurance Co., No. 1:07-cv42-WTL-DML, 2009 WL 2923036, 2009 U.S. Dist. LEXIS 81927 (S.D. Ind. Sept. 8, 2009) (slip
opinion), which examined the right of a party similar to George to demand a jury trial on a
declaratory judgment claim and which applied analysis similar to that in Gulf Life:
This cause is before the Court on the motion of Great American Insurance Company
("Great American") entitled Motion to Strike Third Party Defendant Pam Statom's
Jury Demand . . .
As the title of its motion suggests, Great American argues that Statom is not entitled
to a jury trial in this case and therefore moves to strike her jury demand. In order to
resolve this issue, it is necessary to examine the somewhat unusual procedural
history of this case.
After Statom filed a legal malpractice suit against her former attorney, Joseph
Reiswerg, Reiswerg notified Great American, his malpractice insurance carrier, of
the suit. Great American retained counsel to represent Reiswerg in Statom's suit.
However, Great American later denied coverage . . .
Reiswerg filed this suit against Great American in state court seeking declaratory
judgment that Great American is obligated to defend and indemnify him in Statom's
suit and seeking damages in the amount that Reiswerg paid his counsel in that suit
after Great American declined to defend him, as well as mental distress damages.
Reiswerg did not request a jury trial. Great American removed the case to this court
and asserted a counterclaim against Reiswerg seeking declaratory judgment that it
had no duty to defend or indemnify Reiswerg . . . Great American also did not
request a jury trial.
Several months later, Statom filed a motion seeking to intervene in this suit in order
to assert the defenses of waiver and estoppel against Great American's counterclaim
. . . That motion was eventually rendered moot when Great American amended its
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counterclaim to add Statom as a third-party defendant. Statom then asserted her
defenses in her answer to the counterclaim and on the same date filed a demand for a
jury trial. Great American subsequently filed the instant motion seeking to strike the
jury demand.
Federal Rule of Civil Procedure 38(a) provides that "[t]he right of trial by jury as
declared by the Seventh Amendment to the Constitution . . . is preserved to the
parties inviolate." The Seventh Amendment, in turn, provides for the right to a jury
trial in "[s]uits at common law."
[T]o determine whether a particular action will resolve legal rights,
and therefore give rise to a jury trial right, we examine both the
nature of the issues involved and the remedy sought. First, we
compare the statutory action to 18th-century actions brought in the
courts of England prior to the merger of the courts of law and equity.
Second, we examine the remedy sought and determine whether it is
legal or equitable in nature. The second inquiry is the more important
in our analysis.
Marseilles Hydro Power, LLC v. Marseilles Land and Water Co., 299 F.3d 643, 648
(7th Cir. 2002) (quoting Chauffeurs, Teamsters & Helpers Local No. 391 v. Terry,
494 U.S. 558, 565, 110 S. Ct. 1339, 108 L. Ed. 2d 519 (1990)). With regard to suits
for declaratory judgment, such as Great American's claim against Statom in this case,
the same inquiry is made, with an added twist: "If the declaratory judgment action
does not fit into one of the existing equitable patterns but is essentially an inverted
law suit-an action brought by one who would have been a defendant at common lawthen the parties have a right to a jury. But if the action is the counterpart of a suit in
equity, there is no such right." Id. (citations omitted).FN1
FN1. To the extent that Great American argues that the fact that it
does not seek monetary damages in either of its claims is somehow
relevant, it is mistaken. It is axiomatic that monetary damages can
never be sought in a claim brought under the Declaratory Judgment
Act; the fact that monetary relief is not sought is therefore irrelevant
to the Seventh Amendment analysis in such cases.
Applying these principles to the instant case, Great American's claim against Statom
seeking a declaration that the terms of the policy exclude her suit against Reiswerg
clearly is "an inverted law suit-an action brought by one who would have been a
defendant at common law." Indeed, it is indistinguishable from the "typical case"
used by Professor Miller as an example to demonstrate "the kind of analysis that is
required when declaratory judgment is sought":
In one typical case, an insurance company sought a declaratory
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judgment in a federal court that an accident in which its insured was
involved came within one of the exclusions of the policy. There were
three ways in which this coverage issue could have been litigated if
there were no declaratory judgments. First, the insured could have
paid a judgment against him and sued the insurer for the amount due
him by way of indemnity. This would be a simple action for the
recovery of money only. Therefore, at common law it would have
been tried in debt or assumpsit and would be triable to a jury today.
Second, if the insured chose not to pay the judgment, the injured
person could have brought an independent action against the insurer
for the amount of the judgment, which would be triable to a jury.
Third, the insured person alternatively could have garnisheed the
insurer as a part of the tort action against the insured. A garnishment
would be tried to the court without a jury. Since the issue of coverage
usually would be tried to a jury, unless the injured person elected to
proceed by garnishment rather than to bring an independent action,
the Eighth Circuit held that in the declaratory judgment action it was
reversible error to deny trial by jury when the injured person and the
insured had demanded a jury. The Supreme Court cited this decision
with approval in Beacon Theatres, Inc. v. Westover.
Wright & Miller, Federal Practice and Procedure Civil 3d § 2313 (discussing
Johnson v. Fidelity & Cas. Co. of NY, 238 F.2d 322 (8th Cir. 1956)). In the absence
of the Declaratory Judgment Act, the determination of whether the terms of the
insurance contract provided coverage for any judgment that might ultimately be
awarded in Statom's case against Reiswerg would arise after the judgment was
obtained, Great American refused to pay the judgment, and Statom and/or Reiswerg
sued Great American for breach of contract. There would clearly be a right to a jury
trial in that case; accordingly, there is in this case as well.
Id. at WL *1-2, LEXIS *1-7. Similarly, absent the federal declaratory judgment procedure
utilized by GeoVera in the present case, this action would likely have arisen as a suit by either
George or Stanley Small against GeoVera for its refusal to pay any judgment in George’s
pending civil suit. Alabama law would allow George himself to seek payment of the judgment
directly from GeoVera. See Ala. State Docks v. Saxon, 631 So. 2d 943, 947 (Ala. 1994)
(“[W]hen the liability of an insurer to pay for injuries suffered by a third party is predicated on
the establishment of the liability of its insured to that third party, a direct action by the third party
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against the insurer is not permitted under Alabama law until the third party has obtained a
judgment against the insured.”); Williams v. State Farm Mut. Auto. Ins. Co., 886 So. 2d 72, 74
(Ala. 2003) (In Alabama, it is a “fundamental and well-established general principle that an
accident victim (a third party to a liability insurance contract) cannot maintain a direct action
against the insurer for the alleged liability of the insured where the legal liability of the insured
has not been determined by judgment.” (internal quotations omitted)). Therefore, this
declaratory action can be characterized as an inverted lawsuit to which George has a right to a
jury trial.2
In both its Motion to Strike Jury Demand and its reply brief, GeoVera attempts to
characterize its claims in this action as claims for reformation or rescission, both equitable
remedies for which there is no right to a jury trial. See (Doc. 41 at 3; Doc. 48 at 2-3); Phillips v.
Kaplus, 764 F.2d 807, 812, 814 (11th Cir. 1985) (“[F]ederal law is clear that an action for
rescission is equitable, triable by the court without a jury . . . Plaintiffs' request for rescission of
the sale of their partnership interest[ and] a reformation of that partnership . . . presented
traditional equitable proceedings, and the district court was correct in denying a jury trial on
these issues.”). In its Amended Complaint, GeoVera prays that the Court “make a coverage
2
Compare Reiswerg, supra, at WL *2, LEXIS *5-7, with Terrell v. De Conna, 877 F.2d 1267, 127374 (5th Cir. 1989) (“As the district court correctly noted, an action for declaratory relief can be either legal or
equitable, depending upon whether the action is simply an inverted lawsuit for legal relief or the counterpart
of a suit in equity. [] In order to apply these rules, we turn to Mississippi law in order to identify the nondeclaratory antecedent to Myrtis Faye's insurance coverage suit. In the recent case of Westmoreland v. Raper,
511 So. 2d 884, 885 (Miss. 1987), the Mississippi Supreme Court reiterated its rule barring direct actions
against insurance companies by third parties, and rejected the argument that recent changes to the Mississippi
rules of civil procedure had alleviated the restriction. A non-declaratory suit by Myrtis Faye against USF & G
would thus necessarily come under Mississippi's garnishment statutes, and would be tried to the court. Miss.
Code Ann. §§ 11-35-1, 11-35-45. We therefore find that since there is no jury right attaching to the cause
underlying the declaratory suit here filed, there is likewise no jury right with respect to the declaratory
action.”) (declaratory judgment action initiated in state court and removed to federal court).
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determination” and “REQUESTS A DECLARATORY JUDGMENT as to whether there is
coverage available under HO Policy” for the incident between Ryan Small and George. (Doc. 18
at 7).
Upon examining Alabama law relating to rescissions and reformations,3 the Court does
not agree with GeoVera’s characterization of its claims. In citing to several exclusions in the
Policy which it alleges prohibit coverage of the incident, (Id. at 3-7), GeoVera has merely asked
for a legal interpretation of the Policy to determine if it owes coverage for the incident. This
would then allow for enforcement of the terms of the Policy. “The word ‘enforce’ means ‘to
give force or effect to or to compel obedience to.’ Thus, the enforcement of a contract is the
opposite of the rescission of a contract, because ‘the effect of rescission is to extinguish the
contract.’” Vankineni v. Santa Rosa Beach Dev. Corp. II, 57 So. 3d 760, 762-63 (Ala. 2010)
(internal citation omitted, quotations modified). GeoVera makes no allegations in its Amended
Complaint which indicate it seeks to extinguish the Policy. The Court also reads nothing in the
Amended Complaint as calling for a reformation under Alabama law.4 Even if a claim for
3
This action was brought on the basis of diversity jurisdiction. “In determining which law applies [in
contract disputes], a federal district court sitting in diversity must apply the choice of law rules of the forum
state.” Clanton v. Inter.net Global, L.L.C., 435 F. 3d 1319, 1323 (11th Cir. 2006) (internal quotations
omitted). “Alabama applies the traditional doctrine[] of lex loci contractus to contract claims . . . The doctrine
of lex loci contractus governs the validity, interpretation, and construction of the contract . . . The doctrine
states that a contract is governed by the laws of the state where it is made except where the parties have
legally contracted with reference to the laws of another jurisdiction.” Colonial Life & Accident Ins. Co. v.
Hartford Fire Ins. Co., 358 F.3d 1306, 1308 (11th Cir. 2004) (citing Cherry, Bekaert & Holland v. Brown,
582 So. 2d 502, 506 (Ala. 1991)) (internal quotations omitted). The Policy was received and accepted by
Stanley Small in Alabama and contains the provision “This contract is registered and delivered as surplus
lines coverage under Alabama surplus lines insurance law.” (Doc. 1-2). Because the Policy makes no
reference to the application of the laws of any other jurisdiction, the Policy is governed by Alabama law.
4
See Ala. Code § 8-1-2 (1975) (“When, through fraud, a mutual mistake of the parties or a mistake of
one party which the other at the time knew or suspected, a written contract does not truly express the intention
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reformation or rescission could be construed, “a party is not to be deprived of the right to a jury
trial because [an] equitable claim coexists with [] legal claims.” Bowles v. Bennett, 629 F.2d
1092, 1095 (5th Cir. 1980) (citing Thermo-Stitch, Inc. v. Chemi-Cord Processing Corp., 294
F.2d 486, 490-91 (5th Cir. 1961)).5
III.
Conclusion
For the reasons stated, it is ORDERED that GeoVera’s Motion to Strike Jury Demand
(Doc. 41) is DENIED.
DONE and ORDERED this the 11th day of July, 2011.
/s/ Kristi K. DuBose
KRISTI K. DuBOSE
UNITED STATES DISTRICT JUDGE
of the parties, it may be revised by a court on the application of the party aggrieved so as to express that
intention, so far as it can be done without prejudice to the rights acquired by third persons in good faith and
for value.”); Goodwyn, Mills & Cawood, Inc. v. Markel Ins. Co., 911 So. 2d 1044, 1048 (Ala. 2004) (“[T]he
terms of [Ala. Code § 8-1-2] are plain and unambiguous and give the equity court power to reform or revise a
written contract only when the requirements of the statute have been met.” (internal quotations omitted)).
5
See also Reiswerg, supra, 2009 WL 2923036, at *3, 2009 U.S. Dist. LEXIS 81927, at *7 (“Great
American's insistence that State Farm Mut. Auto Ins. Co. v. Mossey, 195 F.2d 56 (7th Cir. 1952), requires a
different result is misplaced. Unlike in this case, in Mossey the declaratory relief that the insurer was seekinga declaration that the insurance policy was void--was the equivalent of an equitable claim for rescission.
While Great American does seek such relief in this case in its Count II, that claim is distinct and
distinguishable from its claim in Count I, in which it seeks a declaration that under the terms of the policy
itself Statom's lawsuit is excluded. That is the equivalent of an inverted breach of contract claim.”).
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