AIG Property Casualty Company v. William H Cosby et al

Filing 1

COMPLAINT Receipt No: 0973-15982178 - Fee: $400, filed by Plaintiff AIG Property Casulaty Company. (Attachments: #1 Exhibit A to Complaint, #2 Exhibit B to Complaint, #3 Exhibit C to Complaint) (Attorney James P Wagoner added to party AIG Property Casulaty Company(pty:pla))(Wagoner, James)

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1 McCormick, Barstow, Sheppard, Wayte & Carruth LLP 2 James P. Wagoner, #58553 jim.wagoner@mccormickbarstow.com 3 Lejf E. Knutson, #234203 lejf.knutson@mccormickbarstow.com 4 Graham Van Leuven, #295599 graham.vanleuven@mccormickbarstow.com 5 7647 North Fresno Street Fresno, California 93720 6 Telephone: (559) 433-1300 Facsimile: (559) 433-2300 7 Attorneys for Plaintiff AIG Property 8 Casualty Company 9 UNITED STATES DISTRICT COURT 10 CENTRAL DISTRICT OF CALIFORNIA, WESTERN DIVISION 11 12 AIG PROPERTY CASUALTY COMPANY, 13 Plaintiff, 14 v. 15 WILLIAM H. COSBY and JANICE 16 DICKINSON, Case No. COMPLAINT FOR DECLARATORY RELIEF 28 U.S.C. 2201 Defendants. 17 18 19 Plaintiff AIG Property Casualty Company (“AIG Property”) alleges as follows: COMPLAINT FOR DECLARATORY RELIEF 20 21 1. AIG Property brings this action for Declaratory Relief pursuant to 28 22 U.S.C. § 2201 and Rules 8 and 57 of the Federal Rules of Civil Procedure. AIG 23 Property seeks a judicial determination of the respective rights of the parties under the 24 three insurance policies issued to William H. Cosby, Jr. (“Cosby”) for claims of 25 Defamation/Defamation Per Se, False Light, and Intentional Infliction of Emotional 26 Distress arising out of statements Cosby or his alleged representatives allegedly made 27 regarding alleged sexual misconduct, molestation, and/or harassment. 28 MCCORMICK, BARSTOW , SHEPPARD, W AYTE & CARRUTH LLP 7647 NORTH FRESNO STREET FRESNO, CA 93720 1 COMPLAINT FOR DECLARATORY RELIEF THE PARTIES 1 2 2. Plaintiff AIG Property is a corporation incorporated in the State of 3 Pennsylvania with its principal place of business in New York, New York. 4 3. Cosby is, and at all times herein mentioned was, an individual who is a 5 citizen and resident of the State of Massachusetts. 6 4. Upon information and belief, Janice Dickinson (“Dickinson”) is, and at all 7 times herein mentioned was, citizen of the State of California domiciled in the County 8 of Los Angeles. JURISDICTION AND VENUE 9 10 5. The United States District Court for the Central District of California has 11 original jurisdiction over this case under 28 U.S.C. § 1291 and 28 U.S.C. § 1332 12 because the amount in controversy exceeds the sum of $75,000.00, exclusive of interest 13 and costs, and this matter involves citizens of different states. 14 6. Venue is proper under 28 U.S.C. § 1391(b)(2) because a substantial part 15 of the events giving rise to this action occurred in this judicial district consisting of the 16 filing and present maintenance of an action by Plaintiff Dickinson against Defendant 17 Cosby for which Defendant Cosby seeks coverage under policies of insurance issued by 18 Plaintiff. 19 7. Venue is also proper under 28 U.S.C. §1391(b)(3) as the defendants are 20 subject to the Court’s personal jurisdiction with respect to this action since each 21 defendant is already a party to another lawsuit pending in California, and as Dickinson 22 is a resident of California. 23 8. This Court is authorized to grant declaratory judgment under the 24 Declaratory Judgment Act, 28 U.S.C. § 2201, pursuant to Rule 57 of the Federal Rules 25 of Civil Procedure. 26 FACTUAL ALLEGATIONS 27 The Insurance Policies 28 MCCORMICK, BARSTOW , SHEPPARD, W AYTE & CARRUTH LLP 7647 NORTH FRESNO STREET FRESNO, CA 93720 9. AIG Property issued homeowners policy no. PCG 0006004261 with 2 COMPLAINT FOR DECLARATORY RELIEF 1 effective dates of January 1, 2014 to January 1, 2015 written on form no. PCHO 2 (09/06) as modified by various endorsements (hereinafter “Massachusetts Policy”). The 3 Massachusetts policy contains a liability policy limit of $1,000,000. The named 4 insureds are William H. Cosby and Camille Cosby. A true and correct certified copy of 5 the Massachusetts Policy, as redacted to remove private information immaterial to the 6 issues of this case regarding the insured locations and premiums paid, is attached hereto 7 as Exhibit “A”. 8 10. The Massachusetts Policy provides under the Insuring Agreement for 9 “PART III – LIABILITY” that “[w]e will pay damages an insured person is legally 10 obligated to pay for personal injury or property damage caused by an occurrence 11 covered by this policy anywhere in the world, unless stated otherwise or an exclusion 12 applies.” The Massachusetts Policy further provides that “[w]e will pay the costs to 13 defend an insured person against any suit seeking covered damages for personal injury 14 or property damage….” 15 11. The term “insured person” is defined by the Massachusetts Policy as: 16 a. You or a family member; 17 b. An Additional Insured named in the policy; 18 c. Any person given permission by you or a family member to 19 use a vehicle or watercraft covered under this policy with 20 respect to their legal responsibility arising out of its use; or 21 d. A spouse. A spouse is a marriage partner. The term spouse 22 also includes an individual registered under state law as a 23 domestic partner of the insured person shown on the 24 Declarations Page. 25 26 12. The term “occurrence” is defined by the Massachusetts Policy as: a. A loss or an accident, to which this insurance applies, 27 including continuous or repeated exposure to substantially 28 the same general harmful conditions, which occurs during MCCORMICK, BARSTOW , SHEPPARD, W AYTE & CARRUTH LLP 7647 NORTH FRESNO STREET FRESNO, CA 93720 3 COMPLAINT FOR DECLARATORY RELIEF 1 the Policy Period and results in personal injury or property 2 damage; or 3 b. An offense, to which this insurance applies, including a 4 series of related offenses, committed during the Policy 5 Period that results in personal injury or property damage. 6 13. The term “personal injury” is defined by the Massachusetts Policy as: 7 a. 8 … 9 c. 12 Invasion of privacy; e. 11 Shock, emotional distress, mental injury; d. 10 Defamation, libel or slander; … 13 14 Bodily Injury 14. The Massachusetts Policy contains an Exclusion for “Sexual Molestation 15 or Corporal Punishment that states: E. Exclusions 16 17 This policy does not provide coverage for lia¬bility, defense costs or any 18 other cost or expense for: 19 … 20 9. Sexual Molestation or Corporal Punishment 21 Personal injury arising out of any actual, alleged or threatened by 22 any person: 23 a. Sexual molestation, misconduct or harassment; 24 b. Corporal punishment; or 25 c. Sexual, physical or mental abuse. … 26 27 15. Additionally, AIG Property issued homeowners policy no. PCG 28 0006004359 with effective dates of January 1, 2014 to January 1, 2015, written on form MCCORMICK, BARSTOW , SHEPPARD, W AYTE & CARRUTH LLP 7647 NORTH FRESNO STREET FRESNO, CA 93720 4 COMPLAINT FOR DECLARATORY RELIEF 1 no. PCHO-CA (09/06), as modified by various endorsements (hereinafter “California 2 Policy”). The California Policy contains a liability policy limit of $1,000,000. The only 3 named insured identified 1500 ******** LLC.1 A true and correct certified copy of the 4 California Policy, as redacted to remove sensitive information regarding the insured 5 locations and premiums paid, is attached hereto as Exhibit “B”. 6 16. The California Policy provides under the Insuring Agreement for “PART 7 III – LIABILITY” that “[w]e will pay damages an insured person is legally obligated to 8 pay for personal injury or property damage caused by an occurrence covered by this 9 policy anywhere in the world, unless stated otherwise or an exclusion applies.” The 10 California Policy further provides that “[w]e will pay the costs to defend an insured 11 person against any suit seeking covered damages for personal injury or property 12 damage….” 13 17. The term “insured person” is defined by the California Policy as: 14 a. You or a family member; 15 b. An Additional Insured named in the policy; 16 c. Any person given permission by you or a family member to 17 use a vehicle or watercraft covered under this policy with 18 respect to their legal responsibility arising out of its use; or 19 d. A spouse. A spouse is a marriage partner. The term spouse 20 also includes an individual registered under state law as a 21 domestic partner of the insured person shown on the 22 Declarations Page. 23 18. The term “family member” is defined by the California Policy to mean “a 24 person related to you by blood, marriage or adoption that lives in your household 25 including a ward or foster child.” 26 1 The named insured on this policy is an entity, not Cosby or any person related to 27 Cosby. Included in the name of this entity is an address of property owned by Cosby. 28 The name of this entity has been partially redacted to protect the privacy of Cosby. MCCORMICK, BARSTOW , SHEPPARD, W AYTE & CARRUTH LLP 7647 NORTH FRESNO STREET FRESNO, CA 93720 5 COMPLAINT FOR DECLARATORY RELIEF 1 19. The term “occurrence” is defined by the California Policy as: 2 a. A loss or an accident, to which this insurance applies, 3 including continuous or repeated exposure to substantially 4 the same general harmful conditions, which occurs during 5 the Policy Period and results in personal injury or property 6 damage; or 7 b. An offense, to which this insurance applies, including a 8 series of related offenses, committed during the Policy 9 Period that results in personal injury or property damage. 10 20. The term “personal injury” is defined by the California Policy as: 11 a. 12 … 13 c. 16 Invasion of privacy; e. 15 Shock, emotional distress, mental injury; d. 14 Defamation, libel or slander; … 17 18 Bodily Injury 21. The California Policy contains an Exclusion for “Sexual Molestation or 19 Corporal Punishment that states: E. Exclusions 20 21 This policy does not provide coverage for liability, defense costs or any 22 other cost or expense for: 23 … 24 9. Sexual Molestation or Corporal Punishment 25 Personal injury arising out of any actual, alleged or threatened by 26 any person: 27 a. Sexual molestation, misconduct or harassment; 28 b. Corporal punishment; or MCCORMICK, BARSTOW , SHEPPARD, W AYTE & CARRUTH LLP 7647 NORTH FRESNO STREET FRESNO, CA 93720 6 COMPLAINT FOR DECLARATORY RELIEF 1 c. 2 3 Sexual, physical or mental abuse. … 22. AIG Property also issued personal excess liability policy no. PCG 4 0006235889 with effective dates January 1, 2014 to January 1, 2015 written on form 5 no. PEL-MA (03/06) as modified by various endorsements (hereinafter “PEL policy”) . 6 The named insureds are “William H. Cosby” and “Camille Cosby.” The PEL Policy 7 contains a liability policy limit of $35,000,000. A true and correct certified copy of the 8 PEL Policy, as redacted to remove sensitive information regarding insured locations, 9 vehicles and premiums paid, is attached hereto as Exhibit “C”. 10 23. The PEL Policy provides under the Insuring Agreement for “PART II – 11 WHAT IS COVERED” that “[w]e will pay damages an insured person is legally 12 obligated to pay because of personal injury or property damage caused by an 13 occurrence covered by this policy anywhere in the world: 14 a. In excess of damages covered by the required underlying insurance 15 or the Minimum Required Underlying Limit, whichever is greater; 16 or 17 b. From the first dollar of damages where required underlying 18 insurance either: 19 1) 20 occurrence; or 21 2) 22 23 Exists but, coverage does not apply for a particular Is not required under this policy and no underlying insurance exists. 24. The PEL Policy further provides under the Insuring Agreement for “PART 24 IV DEFENSE COVERAGE AND CLAIM EXPENSE” that “[w]e will defend an 25 insured person against any suit seeking damages covered by Excess Liability, Limited 26 Employment Practices Liability, or Limited Charitable Board Directors and Trustees 27 Liability under this policy and where: 28 MCCORMICK, BARSTOW , SHEPPARD, W AYTE & CARRUTH LLP 7647 NORTH FRESNO STREET FRESNO, CA 93720 1. The underlying insurance has been exhausted by payment of 7 COMPLAINT FOR DECLARATORY RELIEF 1 claims; 2 2. No underlying insurance applies; or 3 3. With respect to Limited Charitable Board Directors and Trustee 4 5 Liability, any applicable Deductible has been exhausted.” 25. The term “insured person” is defined by the PEL Policy as: 6 a. You or a family member; 7 b. An Additional Insured named in the policy; 8 c. Any person given permission by you or a family member to 9 use a vehicle or watercraft covered under this policy with 10 11 respect to their legal responsibility arising out of its use. 26. The term “occurrence” is defined by the PEL Policy as: 12 a. An accident, including continuous or repeated exposure to 13 substantially the same general harmful conditions, which 14 first results during the Policy Period in bodily injury or 15 property damage; or 16 b. 17 18 An offense, including a series of related offenses, committed during the Policy Period that results in personal injury. 27. The term “personal injury” is defined by the PEL Policy as: 19 a. 20 … 21 c. 24 Invasion of privacy; e. 23 Shock, emotional distress, mental injury; d. 22 Defamation, libel or slander; … 25 26 Bodily Injury 28. The PEL Policy contains an Exclusion for “Sexual Misconduct” that 27 states: 28 MCCORMICK, BARSTOW , SHEPPARD, W AYTE & CARRUTH LLP 7647 NORTH FRESNO STREET FRESNO, CA 93720 B. As respects Excess Liability, the following also 8 COMPLAINT FOR DECLARATORY RELIEF 1 applies: 2 This insurance does not provide coverage for liability, 3 defense costs or any other cost or expense: 4 5 … 6 3. 7 8 Arising out of any actual, alleged or threatened: 9 a. 10 12 b. 14 15 20 21 22 23 24 25 26 27 28 MCCORMICK, BARSTOW , SHEPPARD, W AYTE & CARRUTH LLP 7647 NORTH FRESNO STREET FRESNO, CA 93720 Sexual, physical or mental abuse. … 16 19 Corporal punishment; or c. 13 18 Sexual misconduct, molestation or harassment; 11 17 Sexual Misconduct The Dickinson Lawsuit 29. On May 20, 2015, Dickinson filed a civil complaint against Cosby in Los Angeles Superior Court, case no. BC580909, entitled Janice Dickinson vs. William H. Cosby Jr. (hereinafter “Dickinson v. Cosby”). 30. In the complaint, Dickinson alleges that in or about 1982: (1) Dickinson “received a phone call from [Cosby] asking her to fly to Lake Tahoe, Nevada to meet him”; (2) “Dickinson had dinner with Cosby;” (3) “Dickinson was suffering from menstrual pain;” (4) “Cosby offered her a glass of wine and a pill which [Cosby] represented would help [Dickinson] with cramps;” (5) “Dickinson consumed the pill believing it to be what [Cosby] had represented it to be;” (6) “Cosby deceived [Dickinson] into consuming a narcotic that heavily sedated [Dickinson];” (7) “Cosby intentionally drugged [Dickinson];” and (8) “later that night [Cosby] sexually assaulted 9 COMPLAINT FOR DECLARATORY RELIEF 1 [Dickinson], penetrating [Dickinson] vaginally and anally, without her consent, and 2 leaving semen on her body.” 3 31. Dickinson further alleges that on or about November 18, 2014, “Dickinson 4 disclosed in a television interview that [Cosby] had drugged and raped her.” 5 32. Dickinson also alleges that on or about November 18, 2014, “Cosby issued 6 a press statement about [Dickinson] to the news media” and “through [Cosby’s] 7 authorized attorney and agent, made the following purported statements of fact 8 regarding [Dickinson]: 9 a. We are writing regarding your planned story regarding Janice 10 Dickinson’s new false and outlandish claims about Mr. Cosby in 11 her recent Entertainment Tonight interview, asserting that he raped 12 her in 1982 (the “Story”). 13 b. That Story is fabricated and is an outrageous defamatory lie.… 14 c. Her new Story claiming that she had been sexually assaulted is a 15 defamatory fabrication… 16 d. That never happened, just like the alleged rape never happened. 17 e. Ms. Dickinson completely fabricated the Story of alleged rape.” 18 33. In addition, Dickinson alleges that on or about November 19, 2014, Cosby 19 “through his authorized attorney and agent”, “published a second statement to the press 20 about [Dickinson]” which “made the following purported statements of fact regarding 21 [Dickinson]: 22 a. “Janice Dickinson’s story accusing Bill Cosby of rape is a lie.” 23 b. “Documentary proof and Ms. Dickinson’s own words show that her 24 new story about something she now claims happened back in 1982 25 is a fabricated lie” 26 34. Dickinson further alleges that both the November 18 and November 19 27 statements made by Cosby through his authorized attorney and agent: (1) were 28 “republished by thousands of media entities worldwide”; (2) were “unprivileged as no MCCORMICK, BARSTOW , SHEPPARD, W AYTE & CARRUTH LLP 7647 NORTH FRESNO STREET FRESNO, CA 93720 10 COMPLAINT FOR DECLARATORY RELIEF 1 litigation had been filed, threatened or contemplated by or between Ms. Dickinson and 2 Defendant Cosby at that time” and “Cosby knew that any actions based on Defendant’s 3 drugging and sexual assault of Ms. Dickinson were time barred such that Ms. 4 Dickinson could not bring an action in 2014 for Defendant Cosby’s actions in drugging 5 and raping her in 1982”; (3) “had a natural tendency to injure Ms. Dickinson’s 6 reputation in the entertainment industry in which she works, and with the public 7 worldwide”; and (4) “were published by Defendant Cosby knowing that they were 8 false”. 9 35. Dickinson also alleges that “Cosby knows that he drugged and raped Ms. 10 Dickinson. He knew that calling her rape disclosure a lie was a false statement” and 11 “[i]n the alternative, the [November 18 and 19 statements by Cosby through his 12 authorized attorney and agent] and each of them were published with reckless disregard 13 as to their falsity.” 14 36. Cosby tendered his defense in the Dickinson v. Cosby action to AIG 15 Property under the Massachusetts, California and PEL Policies. Although the claims 16 against Cosby are barred by exclusions in the Massachusetts, California and PEL 17 Policies and the California Policy does not provide liability coverage to Cosby as an 18 “insured person,” AIG Property accepted the tender and is defending Cosby against 19 Dickinson v. Cosby under the Massachusetts Policy under a reservation of rights. AIG 20 Property also advised Mr. Cosby that he does not qualify as an “insured person” under 21 the California Policy. 22 FIRST CAUSE OF ACTION 23 (Declaratory Relief Against All Defendants As To Non-Coverage For Denials Of 24 Allegations Of Sexual Molestation, Misconduct And Abuse) 25 37. AIG Property incorporates by reference all of the allegations of paragraphs 26 1 through 33 as though fully set forth herein. 27 38. AIG Property alleges that the Massachusetts and California Policies do 28 not provide coverage for the claims asserted in Dickinson v. Cosby. The Massachusetts MCCORMICK, BARSTOW , SHEPPARD, W AYTE & CARRUTH LLP 7647 NORTH FRESNO STREET FRESNO, CA 93720 11 COMPLAINT FOR DECLARATORY RELIEF 1 and California Policies each contain exclusions for “sexual molestation or corporal 2 punishment” which exclude “coverage for liability, defense costs or any other cost or 3 expense” for: “personal injury arising out of any actual, alleged or threatened by any 4 person:” “a. [s]exual molestation, misconduct, or harassment;” “b. [c]orporal 5 Punishment;” or “c. [s]exual physical or mental abuse.” 6 39. AIG Property further alleges the PEL Policy contains an exclusion for 7 “sexual misconduct” which excludes “coverage for liability, defense costs or any other 8 cost or expense:” “[a]rising our of any actual, alleged or threatened:” “a. [s]exual 9 misconduct, molestation or harassment;” “b. [c]orporal punishment; or” “c. [s]exual, 10 physical or mental abuse.” 11 40. The complaint in Dickinson v. Cosby alleges that: (1) Cosby “sexually 12 assaulted [Dickinson], penetrating her vaginally and anally, without her consent”; (2) 13 “[o]n or about November 18, 2014”, Dickinson “disclosed in a television interview that 14 [] Cosby had drugged and raped her”; (3) Cosby or his agents later published 15 statements denying this “alleged” sexual assault; and (4) these statements denying the 16 “alleged” sexual assault caused injury to Ms. Dickinson for which she seeks 17 compensation in the Dickinson v. Cosby action. As such, the alleged injury-causing 18 statements alleged in the Dickinson v. Cosby action purportedly made by or on behalf 19 of Mr. Cosby arose out of the purported “actual” or “alleged” sexual molestation of Ms. 20 Dickinson, regardless of whether the alleged sexual molestation, misconduct and/or 21 abuse actually occurred. Accordingly, the above quoted exclusions in paragraphs 35-36 22 apply to preclude coverage for the claims asserted in Dickinson v. Cosby. AIG Property 23 therefore has no obligation to defend or indemnify Cosby under the Massachusetts, 24 California or PEL Policies for the claims asserted and damages alleged in Dickinson v. 25 Cosby. 26 41. An actual controversy has arisen and now exists between AIG Property, on 27 the one hand, and Cosby and Dickinson, on the other hand, with regard to the duties 28 and obligations owed by AIG Property to Cosby on the basis of these exclusions. AIG MCCORMICK, BARSTOW , SHEPPARD, W AYTE & CARRUTH LLP 7647 NORTH FRESNO STREET FRESNO, CA 93720 12 COMPLAINT FOR DECLARATORY RELIEF 1 Property contends that it has no duty to defend or indemnify Cosby based on the 2 exclusions for allegations of “sexual molestation or corporal punishment” and “sexual 3 misconduct” which Cosby has denied, which denials give rise to the claims and 4 damages alleged in Dickinson v. Cosby. AIG Property is informed and believes, and on 5 such information and belief, alleges that Cosby and Dickinson dispute AIG Property’s 6 contentions and assert that these exclusions do not apply to preclude coverage. 7 42. Due to the actual and present controversy described above, AIG Property 8 requests a judicial declaration of the rights, duties and obligations in regards to the 9 “sexual molestation or corporal punishment” and “sexual misconduct” exclusions with 10 respect to Cosby and potentially Dickinson pursuant to 28 U.S.C. § 2201. 11 SECOND CAUSE OF ACTION 12 (Declaratory Relief As to The California Policy Against All Defendants) 13 43. AIG Property incorporates by reference all of the allegations of paragraphs 14 1 through 39 as though fully set forth herein. 15 44. AIG Property alleges that Cosby does not qualify as an “insured person” 16 under the California Policy because the policy is issued to 1500 ******** LLC. and 17 does not afford coverage to any individual. As the allegations in Dickinson v. Cosby are 18 only against Cosby, the California Policy does not provide coverage. 19 45. An actual controversy has arisen and now exists between AIG Property, on 20 the one hand, and Cosby and Dickinson, on the other hand, with regard to the duties 21 and obligations owed by AIG Property to Cosby under the California Policy. AIG 22 Property contends that it has no duty to defend or indemnify Cosby under the California 23 Policy for the claims and damages alleged in Dickinson v. Cosby because Cosby does 24 not qualify as an “insured person” under this policy. AIG Property is informed and 25 believes and on such information and belief alleges that Cosby and Dickinson dispute 26 AIG Property’s contention and assert that the California Policy provides coverage for 27 Cosby for the claims asserted and damages alleged in Dickinson v. Cosby. 28 MCCORMICK, BARSTOW , SHEPPARD, W AYTE & CARRUTH LLP 7647 NORTH FRESNO STREET FRESNO, CA 93720 46. Due to the actual and present controversy described above, AIG Property 13 COMPLAINT FOR DECLARATORY RELIEF 1 requests a judicial declaration of the rights, duties and obligations under the California 2 Policy with respect to Cosby and potentially Dickinson pursuant to 28 U.S.C. § 2201. 3 PRAYER FOR RELIEF 4 5 1. 6 WHEREFORE, Plaintiff AIG Property respectfully requests that this Court enter a judgment determining and declaring that: 7 a. AIG Property has no duty to defend or indemnify Cosby 8 under homeowners policy no. PCG 0006004359 in connection with 9 the pending action against Cosby in Los Angeles Superior Court, 10 case no. BC580909 entitled Janice Dickinson vs. William H. Cosby 11 Jr. 12 b. 13 under homeowners policy no. PCG 0006004261 in connection with 14 the pending action against Cosby in Los Angeles Superior Court, 15 case no. BC580909 entitled Janice Dickinson vs. William H. Cosby 16 Jr. 17 c. 18 under personal excess liability policy no. PCG 0006235889 in 19 connection with the pending action against Cosby in Los Angeles 20 Superior Court, case no. BC580909 entitled Janice Dickinson vs. 21 William H. Cosby Jr. AIG Property has no duty to defend or indemnify Cosby AIG Property has no duty to defend or indemnify Cosby 22 2. Award AIG Property its costs; and 23 3. Grant such further relief as this Court deems just and proper. 24 25 DEMAND FOR JURY TRIAL Pursuant to Rule 38 of the Federal Rules of Civil Procedure, AIG Property 26 demands trial by jury in this action of all issues so triable. 27 28 MCCORMICK, BARSTOW , SHEPPARD, W AYTE & CARRUTH LLP 7647 NORTH FRESNO STREET FRESNO, CA 93720 14 COMPLAINT FOR DECLARATORY RELIEF 1 Dated: June 26, 2015 2 McCORMICK, BARSTOW, SHEPPARD, WAYTE & CARRUTH LLP 3 /s/ James P. Wagoner James P. Wagoner Lejf E. Knutson Graham Van Leuven Attorneys for AIG Property Casualty Company By: 4 5 6 7 8 3459831.1 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 MCCORMICK, BARSTOW , SHEPPARD, W AYTE & CARRUTH LLP 7647 NORTH FRESNO STREET FRESNO, CA 93720 15 COMPLAINT FOR DECLARATORY RELIEF

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