Roberts et al v. 21st Century Centennial Insurance Company
ORDER granting 7 Defendant's motion for summary judgment. A separate judgment dismissing the complaint will be entered. Signed by Judge James M. Moody Jr. on 1/7/2021. (ljb)
IN THE UNITED STATES DISTRICT COURT
EASTERN DISTRICT OF ARKANSAS
RAMONIA ROBERTS, INDIVIDUALLY;
RAMONIA ROBERTS AS LEGAL GUARDIAN OF
CHASE ROBERTS, A MINOR; MAPLE BROWN,
INDIVIDUALLY; SANDRA OGLESBY AS LEGAL
GUARDIAN OF ZYRIEL ROBERTS AND AERIEL
ROBERTS, MINORS; AND NAKIMA EQINGS AS
LEGAL GUARDIAN OF CA-LIYAH BARBER, A MINOR
No: 2:20-cv-00151 JM
21st CENTURY INSURANCE
This case involves the issue of insurance coverage following a vehicle accident that
occurred on June 11, 2016 on Interstate 30 in Millington, Tennessee. Pending is Defendant’s
motion for summary judgment (Doc. No. 7), which is ripe for determination.
Summary Judgment Standard
Summary judgment is appropriate only when the evidence, when viewed in the light most
favorable to the nonmoving party, shows that there is no genuine issue of material fact and that the
defendant is entitled to entry of judgment as a matter of law. Fed. R. Civ. P. 56; Celotex Corp. v.
Catrett, 477 U.S. 317, 322 (1986). The initial burden is on the moving party to demonstrate the
absence of a genuine issue of material fact. Celotex Corp., at 323. The burden then shifts to the
nonmoving party to establish that there is a genuine issue to be determined at trial. Prudential Ins.
Co. v. Hinkel, 121 F.3d 364, 366 (8th Cir. 1997). “Rule 56 must be construed with due regard not
only for the rights of persons asserting claims and defenses that are adequately based in fact to
have those claims and defenses tried to a jury, but also for the rights of persons opposing such
claims and defenses to demonstrate in the manner provided by the Rule, prior to trial, that the
claims and defenses have no factual basis.” Celotex Corp., at 327.
Summary of Facts
The following facts are not in dispute. 1 Plaintiff Maple Brown (“Brown”) was driving
her 2003 Ford Windstar at the time of the accident and had one adult passenger, Ramonia
Roberts (“Roberts”), and four minor passengers, Chase Roberts, Zyriel Roberts, Aeriel Roberts,
and Ca-Liyah Barber. Everyone in the Windstar suffered injuries. The accident was caused by
the negligence of the driver of the other vehicle, Nicole Kirkwood, whose insurance company,
Farmers Insurance Company, Inc., tendered its policy limits of $50,000. 2
Plaintiffs are seeking to recover underinsured motorist benefits under a policy issued by
Defendant 21st Century Insurance to Roberts covering her 2000 Ford Explorer, which vehicle was
not involved in the accident. The policy issued by Defendant to Roberts (“the policy”) provided
for underinsured motorist coverage in the amount of $100,000 per person/$300,000 per accident.
Roberts submitted claims for underinsurance coverage on the policy for herself and on
behalf of her minor son, Chase Roberts. Defendant accepted these claims and paid the policy
limits of $100,000 to Roberts in exchange for which she executed an underinsured motorist release
of claims and rights. (Doc. No. 7-1). Roberts also agreed to release any further claims of Chase
Roberts, for whom she is legal guardian, for $5,000, and she signed a release to that effect. (Doc.
No. 7-2). Roberts was represented by counsel at the time she signed the two releases.
Additional claims were submitted to Defendant on behalf of the four other occupants of
the Windstar. Defendant denied these claims on the basis that Brown and the three remaining
As they are presented and argued otherwise, the Court is treating Plaintiffs’ “Statement of
Contested Facts” to be uncontested and without genuine dispute as to paragraphs 1-9. (Docket
The proceeds were distributed as follows: Ramonia Roberts - $25,000; Maple Brown $12,500; and $3,150 to each of the three minors.
minors do not qualify for underinsured motorist benefits under the policy issued to Roberts as they
do not meet the policy definition of “insured.” Plaintiffs filed suit for breach of contract, specific
performance, and bad faith.
The Policy Provisions
Part C of the policy outlines the underinsured motorist coverage and provides as follows:
B. Subject to the Underinsured Motorists Bodily Injury Coverage limit of liability
stated on your Declarations Page, if you pay the premium for Underinsured
Motorists Bodily Injury Coverage, we will pay compensatory damages that an
insured is legally entitled to recover from the owner or operator of an
underinsured motor vehicle because of bodily injury if:
1.Sustained by an insured; and
2.Caused by an auto accident with an underinsured motor vehicle.
(Doc. No. 7-3, p. 15. Emphasis in original. 3). The policy defines “insured” as: “(1) You
or any family member; (2) Any other person occupying your covered auto; (3) Any
person entitled to recover damages for bodily injury covered under Part C of this policy
sustained by a person meeting the definition of insured in A.1.or 2. above.” (Id. at 16).
As used in the policy, “you and your refer to: (1) The “named insured” shown on the
Declarations Page; and (2) The named insured’s spouse if the spouse is a resident of the
same household of the named insured during the policy period . . ..” (Id. at p. 6). Finally,
the policy defines “family member” as “a person related to you by:
2. Marriage; and
and who is a resident of your household. This includes a ward or foster child.”
(Id. Underlined emphasis added.) According to the declarations page, the limits of
In this and other quotes from the policy, not all emphasis contained in the original are included.
liability provided by the policy for underinsured motorist bodily injury is “$100,000/
$300,000 Per Person/ Accident.” (Id. at 2). The policy explains this coverage as follows:
If the limit of liability for Uninsured Motorists Coverage or Underinsured
Motorists Coverage shown on your Declarations Page for a vehicle consists of
one limit for each person for bodily injury and another limit for each accident for
bodily injury, the limit of liability shown for each person is the maximum we will
pay for all damages arising out of bodily injury sustained by any one person in
any one accident.
Subject to this limit of liability for each person, the limit of liability shown on
your Declarations Page for each accident for Uninsured Motorists Coverage or
Underinsured Motorists Coverage is the maximum we will pay for all damages
resulting from any one auto accident.
(Id. at 18. Underlined emphasis added.).
Plaintiffs allege that by refusing to pay Roberts $300,000 for the accident,
Defendant breached the terms of the policy, alleging that “the $300,000 is per occurrence
including in this case multiple injured people.” (Doc. No. 2, ¶ 25). While reciting that
the underinsurance coverage was “$100,000/$300,000,” Plaintiffs otherwise fail to
acknowledge the plain language of the policy limiting the coverage to $100,000 to “any
one person.” Roberts’s argument that she is entitled to recover under the $300,000 per
occurrence for her own injuries is not supported by the plain language of the policy.
Furthermore, Roberts expressly released any claim for personal injuries arising
out of the June 11, 2016 accident with the acceptance of the $100,000 in full satisfaction
of any claims she might have under the policy. (Doc. No. 7-1). Likewise, any further
claim of Chase Roberts for personal injury he may have sustained in the accident is
foreclosed by Roberts’s acceptance of $5,000 on his behalf in full satisfaction of any
claims he might have under the policy. (Doc. No. 7-2). Defendant is entitled to summary
judgment on the claims of Ramonia Roberts individually and as legal guardian of Chase
As to the remaining four individuals who were in the car with Roberts—Maple
Brown, Zyriel Roberts, Aeriel Roberts, and Ca-Liyah Barber—Defendant asserts in its
statement of facts that these individuals “do not meet the definition of an ‘insured’ as that
term is defined in [the policy] and so do not qualify for underinsured motorist benefits
under [the policy]. (Doc. No. 9, ¶ 10). No evidence was submitted in support of this
statement with the filing of the motion for summary judgment. Plaintiffs responded to
this purported statement of undisputed facts with their own conclusory statement of fact
that these individuals “meet the definition of family and are entitled to recover under said
policy.” (Doc. No. 14, ¶ 10). To its reply, Defendant attached the affidavit of claims
representative Jennifer Brooks. (Doc. No. 16-1). This affidavit establishes that neither
Maple Brown, Aeriel Roberts, Zyriel Roberts, or Ca-Liyah Barber reside in the
household of Ramonia Roberts. As such, they do not meet the definition of “insured”
under the policy, and Defendant is entitled to summary judgment on these claims as well.
Defendant’s motion for summary judgment (Doc. No. 7) is GRANTED. A
separate judgment dismissing the complaint will be entered.
DATED this 7th day of January, 2021.
UNITED STATES DISTRICT JUDGE
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