American Guarantee & Liability Insurance Company v. Zurich et al

Filing 23

ORDER Denying 9 Motion to Dismiss. Signed by Senior Judge James Lawrence King on 12/2/2011. (jw)

U NI
TED STATES DISTR I C O URT
CT
SO UTH ERN DISTRICT O F FLO RI
DA
CA SE N O .1123566- I KI G
C V- N
AM ERI
CAN G UAM N TEE & LI LI
ABI TY
I SUR AN CE COM PAN Y ,
N

Pl i if
a ntf ,
ZA CHARY ZU RI ,
CH
RAM ON GUEVA RA,
I DR O GUI
SI
LLA M A

P MEES AT I S ME SAND
RI T ES NVE T NT
HOLD I S,LLC
NG
NOT I HIL S C ad
TNG L , ,n
N OTTI H I H OM ES,LLC,
NG LL
D ef nda s.
e nt

O RDER DENY I DEFENDA NTS'M O TIO N TO D I I
NG
SM SS

TH I CA USE com esbef e t Courtupon D ef nda s M oton t D im i s a
S
or he
e nt '
i o s s nd

Re uie Re i ofCli i Two Se a ae Co nt ( #9 ,fld Oc o e 24,2011
q r slng
ams n
p r t u s DE ) ie t b r
.
Pli tf fl d aRe pon e ( / )o No mbe 21 2 1
an if ie
s s DE / n ve r , 01 .Upo r viw o t r c r
21
n e e f he e o d
and ca ef consde a i t Cour fndst tDef ndant M oton m us be de ed.
r ul
i r ton, he
t l ha
e
s' i
t
ni
L LEG AL STAND ARD
Fort pum os ofa m oton t di m i s t f t alega i a i er nc i
he
es
i o s s , he ac ual l tons nd nf e es n
t Pl i ifsCom pl ntm us be a pt astue and consr d i t lghtm os
he a ntf
ai
t cce ed r
tue n he i
t

f vo a et t ePli if Yo g Apa t nt, nc v Fo o pie ,5 9 F. 1 7,1 37
a r bl o h antf . un
rme s I . . wn flu t r 3 3d 02 0
( 1h Ci. 8 . mo i t d s s do sn tt s t me iso ac s , o yr q ie
1 t r 200 ) A ton o imis e o e t he rt f a e but nl e u r s

t ti hepl ntf f t a l i , he as um e t be tue,û us be e
ha û
t
ai ips ac ual legatons w n s d o
r ç t nough t r s
m
o aie
arghtt r i a
i o elef bove t s cultve l vel'Bel At.Cor v.Twom bl 550 U . 544
he pe a i e .' l l
p.
y,
S.

( 00 )
2 7.
How e ,it t ne t ta c tm us acce astue a1 oft alegatons cont ned
ver dhe e t ha our
t
pt r
l he l i
ai

i ac anti i pplc bl t lga c ncusons' As c otv I ba,1 9 S. .1 7,
n ompli s na ia e o e l o l i . h rj . q l 2 Ct 93
'
1 49 ( 00 ) Th , o rsd t r n ngt es fc e y ofac mpl ite a e i at 9 2 9 . us c u t ee mii h uf inc
o an ng g n wo
p o e a ayss d 1 e i naea a lgai si t c mpli tt ta eme ey lga
r ng d n l i:i ) lmi t ny le ton n he o a n ha r r l e l
(
c ncuso ;a ( )whe et r a ewe lpl a df c u la lg ton , a s t i
o l ins nd 2
r he e r l- e de a t a le a i s i s ume her
ve act a t n det m i whe he t y pl bl gi rs t an entte e t r lef ''
r iy nd he
er ne
t r he ausi y ve i e o
il m nt o e i .'

Am. nt As oc v Ci Co #. 6 F.d 1 ,1 90 ( 1h Ci. 0 ( o i I b ,
De al s . . gna r , 05 3 283 2 1 t r 201 ) qu tng q al

1 S. . t1 50 .Thec mplitma beds se i tef csa plddono saea
29 Ct a 9 )
o an y imisd f h a t s e
t tt
cl i t r left ti pl i e on isf ce.Twom bl 550 U . at570. M or sm pl
a m o e i ha s ausbl
t a
y,
S.
e i y,

d s s a i a r p it i t p antf ha n ti udg d (t)camsa r s t lnefo
imi s l s pp o rae f he l i if s o k e is li c o s he i r m
n
concei bl t pl usbl ' 1
va e o a i e.' d.
l .D I
I SCU SSI N
O

The above- t ed cas i an i ur
syl
e s ns ance cove age ac i s ki bot a decl a or
r
ton ee ng h
ar t y

j g n rgadn t e tn ofPlitf o iai s i a y, nd ralga map a tc
ud me t e r ig he xe t an ifs blg ton ,f n u e e l lrcie
polc i s t D ef nda Zac r Zur c f Zurc snon-egal busi spur uis and
i y s ued o
e nt ha y i h or i h'
l , nes
s t,

m one da agesf def e f and c t i r i def ng Zurch i t
y m
or ens ees
os s ncur ed n endi
i n wo

un ryig sae c ur lws is ( #1 .l t frta to (he1 00 c s ' , rc
de l n tt - o t a ut . DE ) n he is ci n t : 9 a e' Zu ih
2
)
tl s ta ns t ot rdef nda st f ecl e on a f ied r esat vent e i Pol
qed ui gai t he he
e nt o or os
a l eal t e
ur n k
2

Count Fl i The ot rdef nda st n fl a t r pa t cl m on J y 20,201
y, orda.
he
e nt he ied hi d- ry ai
ul
0
agai tZurc i t ts e ac i alegi f a i t i
ns
i h n ha am
ton, l ng r ud n he nduc e ,neglgent
em nt
i
r es a i br h ofdut ofcar l t and fduci r dutes. On J 10,2011
epr ent ton, eac
y
e, oyaly,
i ay i
une
,

t o h rd f n nt fld as pa a elws t(he$ 1c s ' a i tZurc f r
he t e e e da s ie e r t a ui t 6
201 a e' gans ih o
)
pr es ona ne i nce a i i outofhi i vem enti t s m ePol Count r e t e
of si l glge
r sng
s nvol
n he a
k
y eal s at
vent
ure.

Def nt now m ovet (im isPl ntf Com pl nta $ r r t flng of
enda s
o Is s ai ips
ai nd %o equie he ii
an A m e
nded Com pl nts tng f t isr ques f D ec a a or J
ai eti orh t e
t or l r t y udgm entast t
o he

rq rme tofdee nga pa nga yj d nsi t 200 a 2 1c s s.. i
e uie n
fndi nd yi n u gme t n he 9 nd 01 a e .n
t s pa aec u s' ( #9 a 1 .De e nt c t n t tt Co a n mus be
wo e r t o nt. DE , t ) fnda s on e d ha he mpli t t
'
dim ise ast above- t e acton i vess par e cl m sorcaus ofa i a t
s s d, he
s yl d i nvol
e at ai
es cton s o

eac pendi s a e cour pr edi 1 at2.I s
h
ng t t
t oce ng. d.
n uppor oft rM oton,D e e nt cie
t hei
i
f nda s t
onl t cas ,bot ofwhih s a f t pr
y wo es h
c t nd or he oposton t ts r t cl m ss
ii ha epa a e ai houl notbe
d
pl i one c
ed n
ount
.

Pl ntf Compl nta l
ai ifs
ai legesa sngl caus ofac i f decl a or r i . I i
i e
e
ton or
ar t y elef t s
di ded i o f s par ecount ,wih eac countaddr sng a di tnc cover def e
vi nt our e at
s t
h
es i
si t
age ens
t a i t bot t unde l ng ac i .Def ndant a guet tt s i i pr r as
hat pples o h he
ryi
tons
e
s r
ha hi s m ope ,
t e a e t a l di f r ntf uala l i s ast c age i bot lw s t 1 l i
her r ot ly f e e act nd egal s ues o over
n h a uis. d. t s
undiput d t tt sa e i ur
s e ha he m ns ance polcy cover bot l s t
i
s h aw uis.Furher or t c ai s
t m e, he l m
i bot unde l ng l w s t a i eoutoft s m e s off t r ga di Zurc s
n h
ryi a uis r s
he a
et ac s e r ng
i h'
i vem e i t Pol Count r e t t ve ur
nvol
nt n he k
y eal s a e nt e.Thus t f t and l i s
, he ac ual
egal s ues
3

r e ntt t i s ofcove age ar m at raly i ntcal
el va o he s ue
r
e
e i l de i .

Accor ngl afe a ca ef r ew oft r d and t Cour bei ot wie
di y, t r r ul evi
he ecor
he
t ng her s
f l a s i i her
uly dvi ed, t s eby
OR DERED,A DJUD G ED and DECR EED t tDef nda s M oton t D im i s
ha
e nt '
i o s s

a d Re ieReii o Cl i i Two Se r t Cou s( #9 i DENI
n qur flng f ams n
pa a e nt DE ) s
ED.
D ON E and O RDER ED i cham be sa t Ja esLawr nce Ki Fede alJ tce
n
r t he m
e
ng
r us i
Buidi and Unied St e Courhous M i m i Fl i t s 2nd da ofD ec be ,2011.
l ng
t
at s
t e, a , or da, hi
y
em r

A ES LA W REN CE K I G
N
I
TED STATES D I
STRI
C

DG E

j
OUTHERN DI CT OF
STRI

ORI
DA

c
c: Al c ns lqfr c r
l ou e e o d

4