Austin et al v. Oregon Mutual Insurance Company
Filing
33
MEMORANDUM DECISION & ORDER denying 20 Defendant's Motion for Summary Judgment; granting in part and denying in part 27 Plaintiffs' Motion for Summary Judgment. Signed by Judge Ronald E. Bush. (caused to be mailed to non Registered Participants at the addresses listed on the Notice of Electronic Filing (NEF) by (kb)
IN THE UNITED STATES DISTRICT COURT
FOR THE DISTRICT OF IDAHO
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Plaintiffs,
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v.
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OREGON MUTUAL INS. CO.,
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Defendant.
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_________________________________)
TIMOTHY AUSTIN, et al.,
Case No. 2:12-cv-00630-REB
ORDER ON MOTIONS
FOR SUMMARY JUDGMENT
Pending before the Court are the parties’ cross-motions for summary judgment.
(Dkts. 20 & 27). Having carefully considered the record, participated in oral argument,
and otherwise being fully advised, the Court enters the following Memorandum Decision
and Order:
BACKGROUND
This case arises from a family tragedy for Plaintiffs Timothy and Paula Austin (the
“Austins”). Their son, Devon Austin (“Devon”), was killed in a car collision in
September of 2010. Talbutt Aff., Ex. B (Dkt. 23). Ryan Reinhardt (“Reinhardt”), the
driver of the vehicle in which Devon was riding, also was killed when his car collided
with a vehicle driven by Kade Laughlin (“Laughlin”). Reinhardt’s automobile was
Order on Motions for Summary Judgment - 1
insured through an insurance policy issued by Viking Insurance Company (“Viking”).
Talbutt Aff., Ex. D (Dkt. 23). Viking settled the Austins’ insurance claim, and paid its
$50,000 policy limits, for Devon’s injury/death. Laughlin’s Farm Bureau policy similarly
paid the Austins $25,000, an amount equal to its bodily injury liability limit.
There is no dispute that both the Laughlin and Reinhardt vehicles are considered
“underinsured motor vehicles” as defined in the Austins’ Oregon Mutual Insurance
Policy. See Def.’s Mem., pp.2–3 (Dkt. 22); Talbutt Aff., Ex. A (Dkt. 23). Before making
payment on the $100,000 limits of underinsured motorist coverage in the policy it had
issued to the Austins, Defendant Oregon Mutual (“Oregon Mutual”) subtracted two
amounts paid from other sources: the $75,000 the Austins recovered under the Reinhardt
and Laughlin policies, and the $5,000 Oregon Mutual previously paid to the Austins for
medical expenses under the policy’s medical payment coverage. As a result, Oregon
Mutual paid $20,000 to the Austins under the underinsured motorist coverage in the
policy. There appears to be no dispute that the Austin’s damages exceed $100,000.
Oregon Mutual admits that the Austins’ policy includes an endorsement for
underinsured motorist coverage that was implicated by the accident involving Devon.
But, Oregon Mutual contends that the $20,000 previously paid to the Austins is that total
of any amount owed under the policy’s $100,000 underinsured motorist coverage because
the limits of such coverage were appropriately offset by the payments made to the Austins
by the other insurance companies, and by Oregon Mutual’s payment for $5,000 in
Order on Motions for Summary Judgment - 2
medical expenses. This lawsuit ensued because the Austins allege that Oregon Mutual
owes them the full $100,000 UIM coverage limit, without offset, relying upon
endorsement language in the policy providing that “any insurance we provide with
respect to a vehicle you do not own is excess over any other collectible insurance.”
Compl., ¶ 4 (Dkt. 4-2). Plaintiffs sued for declaratory judgment against Oregon Mutual in
Idaho state district court. Oregon Mutual then removed the case to this Court. (Dkt. 4-2).
The Austins describe the dispute as whether their Oregon Mutual policy coverage
is excess to, or subject to an offset for, what they recovered from the drivers of the
vehicles involved in the accident under those drivers’ respective policies. Compl., ¶ 12.
The Austins request an award of attorneys’ fees and ask that the Court declare Oregon
Mutual liable for the full limits of the underinsured motorist policy, i.e., $100,000,
without offset. Id. at p. 3. Oregon Mutual requests that the Court “confirm” that it is
“only required” to pay the $20,000 amount already paid, as the remaining limits of its
underinsured motorist coverage with the Austins after appropriate offsets. Answer, p. 5.
DISCUSSION
A.
Standards of Law
1.
Summary Judgment: The Standard
Summary judgment is used “to isolate and dispose of factually unsupported claims
. . . .” Celotex Corp. v. Catrett, 477 U.S. 317, 323-24 (1986). It is “not a disfavored
procedural shortcut,” but rather is “the principal tool[ ] by which factually insufficient
Order on Motions for Summary Judgment - 3
claims or defenses [can] be isolated and prevented from going to trial with the attendant
unwarranted consumption of public and private resources.” Id. at 327. “[T]he mere
existence of some alleged factual dispute between the parties will not defeat an otherwise
properly supported motion for summary judgment; the requirement is that there be no
genuine issue of material fact.” Anderson v. Liberty Lobby, Inc., 477 U.S. 242, 247-48
(1986).
The standards generally applicable to motions for summary judgment do not
change where the parties file cross motions. See, e.g., Cady v. Hartford Life & Accidental
Ins. Co., 930 F.Supp.2d 1216, 2013 WL 1001073 (D.Idaho 2013); Western Watersheds
Project v. Bureau of Land Management, 2010 WL 3735710 at * 3, n. 5 (D.Idaho 2010).
However, “[e]ach motion must be considered on its own merits.” Fair Housing Council
of Riverside County, Inc. v. Riverside Two, 249 F.3d 1132, 1136 (9th Cir. 2001) (quoting
William W. Schwarzer, et al., The Analysis and Decision of Summary Judgment Motions,
139 F.R.D. 441, 499 (Feb. 1992)). Further, the filing of cross-motions – where both
parties argue there are no material factual disputes – does not eliminate the court’s
responsibility to determine whether disputes as to material fact are present. Fair Housing
Council of Riverside County, 249 F.3d at 1136. Rather, the Court must independently
search the record for factual disputes.
Order on Motions for Summary Judgment - 4
2.
Interpreting Insurance Contracts
Insurance policies are contracts between the insurer and the insured. See
Mortensen v. Stewart Title Guar. Co., 235 P.3d 387, 392 (Idaho 2010) (citing Hall v.
Farmers Alliance Mut. Ins. Co., 179 P.3d 276, 280 (Idaho 2008)). Whether language in
an insurance policy contract is ambiguous is a question of law. See Armstrong v.
Farmers Ins. Co. of Idaho, 205 P.3d 1203, 1205 (Idaho 2009) (citing Purvis v.
Progressive Cas. Ins. Co., 127 P.3d 116, 119 (Idaho 2005)) (citation omitted). If the
policy language is unambiguous, the court construes the policy as written, “and the
[c]ourt by construction cannot create a liability not assumed by the insurer nor make a
new contract for the parties, or one different from that plainly intended, nor add words to
the contract of insurance to either create or avoid liability.” Id. “Unless contrary intent is
shown, common, non-technical words are given the meaning applied by laymen in daily
usage – as opposed to the meaning derived from legal usage – in order to effectuate the
intent of the parties.” Id. (quoting Howard v. Ore. Mut. Ins. Co., 46 P.3d 510, 513 (Idaho
2002)).
However, where there is an ambiguity in an insurance contract, special rules of
construction apply to protect the insured. See id. at 1206 (citing Hall, 179 P.3d at 281).
In determining whether there is ambiguity, the particular provision must be read within
the context in which it occurs in the policy. See Armstrong, 205 P.3d at 1206 (citing
Purvis, 127 P.3d at 119). An insurance policy provision is ambiguous if “it is reasonably
Order on Motions for Summary Judgment - 5
subject to conflicting interpretations.” North Pac. Ins. Co. v. Mai, 939 P.2d 570, 572
(Idaho 1997). Insurance contracts are adhesion contracts, typically not subject to
negotiation between the parties. Hence, any ambiguity that exists in the contract is
construed most strongly against the insurer and in favor of the insured. See Armstrong,
205 P.3d at 1206 (citing Arreguin v. Farmers Ins. Co., 180 P.3d 498, 500 (Idaho 2008)).
Further, insurance contracts are to be construed to “provide full coverage for the indicated
risks rather than to narrow its protection.” Smith v. O/P Transp., 918 P.2d 281, 284
(Idaho 1996). Sensibly then, “the burden is on the insurer to use clear and precise
language if it wishes to restrict the scope of its coverage.” Arreguin, 180 P.3d at 500. At
the same time, standardized contract language must necessarily be somewhat general, in
anticipation of varying sets of the facts. See Axis Surplus Ins. Co. v. Lake CDA Dev.,
2008 WL 4238966, *2 (D. Idaho 2008) (citing Foster v. Johnstone, 685 P.2d 802, 806
(Idaho 1984)).
B.
The Relevant Policy Language is Unambiguous
The dispute centers on the Oregon Mutual policy’s “Underinsured Motorist”
(“UIM”) endorsement, which reads:
OTHER INSURANCE
If there is other similar insurance on a loss covered by this
SECTION, we will pay our proportionate share as our limits of
liability bear to the total limits of all applicable similar insurance. If
this policy and any other policy affording similar insurance apply to
the same accident, the maximum limits of liability under all the
policies are the highest limits of liability under any one policy. But
Order on Motions for Summary Judgment - 6
any insurance we provide with respect to a vehicle you do not own is
excess over any other collectible insurance.
Talbutt Aff., Ex. A, pp. OR 00021 (Dkt. 23-1) (emphases in original).
The Austins argue that either the policy unambiguously provides for the full and
unreduced $100,000 Oregon Mutual UIM policy limit—because the accident involved a
vehicle not owned by the Austin’s—or that the endorsement language is ambiguous. Pl.’s
Mem., pp. 2, 4 (Dkt. 27-2). Oregon Mutual responds that the UIM provisions are not
ambiguous when read as a whole, and points to this additional language in the UIM
endorsement1:
Coverage D — Underinsured Motorist Coverage
We will pay damages for bodily injury which a covered person
shall be legally entitled to recover from the owner or operator of an
underinsured motor vehicle. The bodily injury must be sustained
by a covered person and be caused by an auto accident arising out of
the ownership, maintenance or use of the underinsured motor
vehicle.
There is no coverage until the limits of liability of all bodily
injury liability bonds and policies that apply have been used up
by payment of judgments or settlements.
...
LIMITS OF LIABILITY
Split Limit
The limit of liability shown in the Declarations for “each person” for
Underinsured Motorists Coverage is our maximum limit of liability
for all damages for bodily injury sustained by any one person in
any one auto accident. . . . This is the most we will pay regardless of
the number of covered persons, claims made, vehicles or premiums
shown in the Declarations, vehicle involved in the auto accident or
policies issued to you by us.
1
Def.’s Mem., p. 4 (Dkt. 22).
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...
Any amounts otherwise payable for damages under [the] SPLIT . . .
LIMIT which the covered person is legally entitled to recover from
the owner or operator of an underinsured motor vehicle because of
bodily injury caused by an auto accident shall be reduced by:
1. All sums paid because of the bodily injury by or on behalf of
persons or organizations who may be legally responsible. This
includes all sums paid under . . . Medical coverage endorsement . . . .
...
4. The underinsured motor vehicle coverage shall be excess over and
shall not pay again any medical expenses paid under the medical
payments coverage.
Talbutt Aff., Ex. A, pp. OR 00020-00021 (Dkt. 23-1) (emphases in original).
The language relied upon by Oregon Mutual limits the amounts recoverable under
the policy when recovery can also be had under policies issued to other legally
responsible persons, for the claims arising from the accident. However, there is no
explicit reference in such policy provisions as to whether these limitations apply in every
circumstance or just some circumstances, such as when a covered person is involved in an
accident in a vehicle that the covered person does not own. That latter circumstance,
however, is referenced in the “Other Insurance” provision, relied upon by the Austins for
their position that more is owed to them from Oregon Mutual. In particular, the Austins
rely on the last sentence, which reads: “[B]ut any insurance we provide with respect to a
vehicle you do not own is excess over any other collectible insurance.”
There is an argument reasonably made to support the Austin’s interpretation of the
insurance policy, and the briefing submitted on their behalf puts the argument together as
Order on Motions for Summary Judgment - 8
well as can be done.2 However, that reading of such language has not been adopted in
Idaho law. Rather, Idaho law has given an interpretation to such language that supports
Oregon Mutual’s position in this lawsuit, i.e., that there is no ambiguity in the policy and
that the plain language of the policy permits the action taken by Oregon Mutual here.
The fulcrum Idaho case on the issue considered closely analogous facts to this case, in
which a plaintiff injured by an underinsured motorist received the full limit of the
underinsured motorist’s liability policy and then sought additional funds through her own
2
Other jurisdictions, including an Oregon case involving an almost identical
“Other Insurance” provision, have interpreted provisions similar to the one at issue here
in the manner the Austins propose. For example, in Country Mutual Ins. Co. v. White,
157 P.3d 1212, 1216–17 (Or. App. 2007), the state court explained:
[T]he antistacking (second) sentence of the “other insurance”
provision of the policy does not contextually conform with the
excess (third) sentence of that provision. The statute provides that
the pertinent excess determination is made with reference to **1217
the combined liability limits of all “similar” other insurance
coverage. Defendant’s excess sentence, by contrast, which contains
the provision's only reference to nonowned vehicles, refers to any
other “collectible insurance,” not similar insurance. Thus, it appears
to be an independent excess provision; its only obvious connection
with the second sentence is that they coexist in the same policy
provision. In short, when read as a whole, the “other insurance”
provision does not embody the antistacking provision that is
authorized by the statute where an insured suffers bodily injury while
occupying a nonowned vehicle.
There is sensible reasoning for such a result, and but for the holding in Sublimity, the
Court might be persuaded that the words “any other” collectible insurance mean any other
collectible insurance of any type, or at a minimum there is an ambiguity that should be
resolved in favor of the insured. However, the holding in the Sublimity case is a nearly
on-all-fours statement of Idaho law on the issue before this Court, and leaves no room for
a different result here.
Order on Motions for Summary Judgment - 9
insurance policy’s UIM coverage, Sublimity v. Shaw, 905 P.2d 640, 641 (Idaho 1995).
The Idaho Supreme Court held that the term “similar insurance” in the first two sentences
of the “Other Insurance” provision in that case “clearly means other UIM coverage” and
that the term “any other collectible insurance” referred only to UIM insurance and not any
type whatsoever of collectible insurance. Id. Even though the court found that the “Other
Insurance” clause did not apply to the Sublimity case, it was because there was “no other
UIM coverage” in that case. Id.
The Austins argue that Sublimity should not apply to this case because the plaintiff
in that case was injured in her own car and not in a vehicle she did not own, which meant
that the Idaho Supreme Court’s decision went beyond what was needed to decide the
case. The distinction is valid as to the facts of Sublimity, but the argument would read too
much dicta into the holding of Sublimity. The Sublimity court was required to consider
and interpret the “Other Insurance” provision of the insurance policy in order to decide
the ultimate issues in the lawsuit—the fact the ultimate holding was that the “Other
Insurance” provision did not form part of the coverage in that case does not change that
the Idaho Supreme Court was required to rule upon its meaning in order to reach that
result.
In this diversity case, this Court is constrained to follow Idaho state law in
interpreting insurance contracts. The Sublimity case was decided by the Idaho Supreme
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Court in a case involving an “Other Insurance” clause substantially similar3 to the “Other
Insurance” clause in this case. The Idaho Supreme Court found the provision
unambiguous and ruled that the final sentence, referring to “any other collectible
insurance” refers “only to situations where there is other UIM coverage”. Sublimity, 905
P.2d at 641.
Additionally, construing the policy as a whole supports the reading of “all other
collectible insurance” as limited to the particular endorsement or type of coverage at
issue; here, UIM coverage. See Armstrong, 205 P.3d at 1206 (explaining that when
determining whether a particular provision is ambiguous, the provision must be read in
the context in which it occurs in the policy). Oregon Mutual’s policy contains five “Other
Insurance” provisions. These provisions contain similar statements to the UIM policy,
i.e., that insurance with respect to a vehicle you do not own is excess over any other
collectible insurance. See Talbutt Aff., Ex. A, at pp. OR 00013, OR 00015, OR 00019,
3
The “Other Insurance” clause in the policy before the Sublimity court had one
fewer sentence than the similar clause in this case, and used a few additional phrases in
the three similar sentences. Nonetheless, in all material respects, it was akin to Oregon
Mutual’s Other Insurance provision. In Sublimity the clause provided: “If there is other
applicable similar insurance we will pay only our share of the loss. Our share is the
proportion that our limit of liability bears to the total of all applicable limits. However,
any insurance we provide with respect to a vehicle you do not own shall be excess over
any other collectible insurance.” 905 P.2d at 641. There is no substantive distinction
between the Oregon Mutual policy’s use of the word “however” and the Sublimity
policy’s use of the word “but” in the same manner, in an almost identical sentence.
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OR 00023; see also Def.’s Reply, pp. 5–6 (Dkt. 29). Although each iteration of the
statement is a little different, the intent—to limit excess coverage to situations in which
the insurance is of the same type covered in that section of the policy or endorsement—is
evident.
Here, unlike in Sublimity, there is other “similar” UIM insurance. Devon Austin
was a person covered by Reinhardt’s UIM coverage in the Viking policy and, thus, UIM
coverage is collectible in this case, regardless of whether the Austins actually recovered
damages from Viking under its third-party bodily injury liability coverage and not its
UIM coverage.4 See Talbutt Aff., Ex. D (Reinhardt policy); see also Def.’s Mem., p. 9
(Dkt. 22) (calculating the amount of UIM potentially available). The word “collectible”,
as used in the Oregon Mutual “Other Insurance” provision, does not appear to have a
technical or specific meaning in the policy, and neither party has cited anything in the
record or relevant case law indicating it has a special meaning in insurance contracts
generally. Accordingly, the Court has considered the standard English dictionary
definition of collectible, which is “due for present payment” or “payable”.5
4
The record is not clear on this matter even though the Austins settled with
Reinhardt for an amount at the policy’s limit for bodily injury coverage. Laughlin’s UIM
coverage does not apply to Devon Austin because he was not riding in Laughlin’s car or
otherwise a covered person as defined by Laughlin’s policy. See Talbutt Aff., Ex. C., pp.
OR 00052–53 (Laughlin’s policy).
5
See State v. Herren, No. 38783, 2012 WL 5464517, *3 (Idaho Ct. App. Nov. 9,
2012) (noting “words in statutes are to be construed in accordance with their normal
Order on Motions for Summary Judgment - 12
Merriam–Webster, online Dictionary, available at http://www.merriamwebster.com/dictionary/collectable?show=0&t=1395864899 (site last visited March 26,
2014). UIM coverage was available or payable to Devon Austin, as opposed to being
paid or collected after the accident.
Accordingly, the final sentence of the Oregon Mutual “Other Insurance” provision
applies to this case. That sentence states that “any insurance [Oregon Mutual] provide[s]
with respect to a vehicle [the Austins] do not own is excess over any other collectible
insurance.” (Emphasis added). As noted before, Devon Austin was injured in a vehicle
neither he nor his parents owned and the Reinhardt policy provides other similar, UIM,
insurance. Following the reasoning of the Sublimity court that “collectible” insurance
also has to be UIM insurance in the context the term is used in the applicable “Other
Insurance” provision, the amount of collectible UIM insurance in this case from the
Reinhardt policy is $25,000.6 Thus, the $100,000 Oregon Mutual UIM limit is excess
over the $25,000 collectible under the Reinhardt policy’s UIM provision, but that does
usage unless there is some indication a special meaning is intended”); Huyett v. Idaho
State University, 104 P.3d 946, 951 (Idaho 2004) (using Webster’s Dictionary to define a
contract term).
6
Although the Reinhardt policy provided for $50,000 of UIM coverage, for which
Devon Austin qualified, that policy also required that any payment by Viking on the UIM
coverage would be reduced by any payments made by the owner or operator of the
underinsured vehicle. Laughlin’s vehicle was underinsured and his policy paid its
$25,000 liability limits to the Austins, reducing any amount collectible by Austin under
the Reinhardt UIM provision to $25,000.
Order on Motions for Summary Judgment - 13
not mean it is excess over any other types of insurance (whether collected or collectible),
such as the $5,000 for medical payments under the Austins’ Oregon Mutual policy.
Taking the $25,000 UIM insurance collectible from Viking, and adding the excess
Oregon Mutual UIM coverage of $100,000, results in $125,000 of collectible UIM
insurance from both policies. However, that amount is still subject to reduction for the
$75,000 already paid out by the Reinhardt and Laughlin policies as well as the $5,000
paid by Oregon Mutual for the medical payment coverage because these payments were
not made pursuant to other collectible UIM coverage and, therefore, there is no exception
to the Limits of Liability reductions under the UIM endorsement.
Although the Court recognizes that this result is not one urged by either party, and
interpreting other collectible insurance as other collectible UIM coverage may make
calculating the amount of total recovery more complicated, it is not impossible, and it is
accomplished by following the plain and unambiguous terms Oregon Mutual chose to
employ in its insurance policy.
Order on Motions for Summary Judgment - 14
D.
Public Policy Does Not Void Any of The Terms in The Oregon Mutual Policy
The Austins argue that the “Limits of Liability” provision in the Oregon Mutual
policy violations public policy. Pl.’s Mem., pp. 13-16. In sum, they argue that, as a
matter of public policy, insurance companies should not be allowed to offset UIM
coverage with amounts recovered from tortfeasors. They also assert that the UIM
endorsement, as written, requires them to make an election of what type of insurance
provision to proceed under in settling claims (i.e., bodily injury or UIM). However,
under the “Other Insurance” provision as applied here, the Austins still get credit for the
full amount of UIM coverage potentially available to them (the amount “collectible”),
even if they do not actually collect any UIM coverage from the tortfeasor. What they
cannot do is avoid having the insurer receive credit for the full amount of a tortfeasor’s
payments of other insurance available under that person’s policy (without some sort of
applicable exception like the one that applies in the Oregon Mutual case when the insured
is injured in a vehicle she does not own).
The case on which the Austins rely for their public policy argument, Hill v.
American Family Mutual Insurance Company, allows for offsets to an insured’s recovery
for what the insured may or could have recovered as the policy limit under the
tortfeasor’s policy. 249 P.3d 812 (Idaho 2011). The Idaho Supreme Court in Hill
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explained its holding and then noted that a credit for the full amount of a tortfeasor’s
policy is still available to insurers:
[W]e now hold exhaustion clauses in UIM automobile
policies to be void, unenforceable, and severable in Idaho. To
collect against his or her insurer, a UIM insured may proceed
against the UIM carrier, who must investigate and attempt to
resolve the claim in good faith regardless of whether the
insured settled with the tortfeasor's insurer or, if so, for how
much. Taylor, 978 P.2d at 751. The UIM carrier will receive
credit for the full amount of the tortfeasor’s policy, regardless
of the insured’s actual recovery.
Hill, 249 P.3d at 820–21 (emphasis added). The Court also noted that “requiring the
insured to exhaust all the insurance applicable to all vehicles in an accident “would
emasculate the endorsement’s intended effect . . . to provide coverage over and above the
limits of the tortfeasor’s insurance.” Hill v. Am. Family Mut. Ins. Co., 249 P.3d 812, 819
(Idaho 2011) (quoting Colonial Penn. Ins. Co. v. Salti, 84 A.D.2d 350 (N.Y. App. Div.
1982) (internal quotation marks omitted)). Although the intent of UIM coverage is to
provide coverage above the tortfeasor’s limit if that tortfeasor carries only the minimum
amount of insurance required by law, and the injuries caused by the accident result in
damages higher than the tortfeasor’s policy limits, that is not a guarantee that the
coverage should go above all limits, including the one an insured agrees to with his
insurance company as the maximum limit of recovery for his policy—something over
which the insured has control. The court in Hill also noted that its decision on the
Order on Motions for Summary Judgment - 16
exhaustion issue would not result in Hill receiving “a better deal than she bargained for if
she can show that an underinsured tortfeasor is liable to her for an amount exceeding his
policy limits and then sets off those policy limits against her UIM recovery.” 249 P.3d at
821. Thus, the court contemplated that offsets for recoveries from tortfeasors are
appropriate, but an insurance company cannot insist that insured fully recover all of the
liability limits available under all possible insurance policies covering an accident before
seeking contribution from her own insurance policy.
E.
Conclusion & Order
For the reasons explained above, Plaintiffs’ Motion for Summary Judgment (Dkt.
27) is GRANTED, in part, and DENIED, in part. Plaintiffs are entitled to recover a total
of $45,000 in UIM coverage under their Oregon Mutual policy. Because Oregon Mutual
has already paid $20,000 to Plaintiffs, the total due under the judgment to be issued in this
case will be $25,000.
Defendant’s Motion for Summary Judgment (Dkt. 20) is DENIED.
Order on Motions for Summary Judgment - 17
The Court will enter a separate declaratory judgment setting forth the rights and
responsibilities of the parties under the Oregon Mutual policy. This case is CLOSED.
IT IS SO ORDERED.
DATED: March 31, 2014.
Honorable Ronald E. Bush
U. S. Magistrate Judge
Order on Motions for Summary Judgment - 18
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