Encompass Insurance Company of America v. Macadangdang et al

Filing 29

ORDER Denying 16 Motion to Dismiss. Signed by Judge Robert C. Jones on 6/9/10. (Copies have been distributed pursuant to the NEF - ASB)

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INTRO D U C TIO N Thi cas ars s outof a m ot r vehi l acci ent and t e ens i g diput over ilur nce s e ie o ce d h un s e rs a

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I I HEREBY ORDERED THAT Defn a t ' oton t Dim is(/ 6)i DENI D. TS e d n s M i o s s /1 s E

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9 Lïe f rmi o SiraM a a a d ng (ol c iey ê a a a g a gs' S e e da t' ,t brng a t m o n r e r c d n a c l tv l l c d n d n 'or û f n n s' o i e M D )
1 l w s i a a ns Ci dy Le i a d J r a Le i i D iti tCour , a k Coun y,Nev da Ca e n , 0 a ut g i t n b e n o d n b c n src t Cl r t a, so

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1 M a c 1 ,2 1 , ha snc be n m ov d t m i - prl 4 r h 5 0 0 but s i e e e o d A i.

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1 la iiy.( o plit! l /1 .Thepolc lmisc nss ofaç e pes n'lmi i tea oun o 6 ibl C m an 5,/) t iy i t o it i r ro 'i t n h m t f p 1 $1 0,0 , n aç c oc ure c 'l iof 0,00.(#. 15.Thepol ywa i erc onted t 7 0 0 0 a d t r c rn e'i t $30 0 f !' ) p m i s n fe t h ae c
1 oft eac ie t Ocobe 1 ,20 4.(( ) Thepolc as p ovi e t a t epe pe s n lm i i t e 8 h cd n , t r 7 0 ff . iy lo r d s h t h r r o i t s h
1 T O TA L LI I OF LI B I I Y FO R DAM A G E S BECAU SE OF BOD I Y I J R Y 9T MT A LT L NU 20 SU STA I E D BY AN Y O N E PERSON I AN Y ON E M O TO R V EH I LE ACCI EN T, N N C D 21 I CLU D I G D A M A G E S SU STA I ED BY A N Y O N E EL SE A S A RE SU LT O F TH A T BO D I Y N N N L

22 I J RY . (#.. Th pol y f rhe ie a c t a C U NI I E AND EXEM PLARY DAM AGES N U ' f ) e i u t r tr t s h t T T V ' c
23 ARE NO T CO V ER ED AND TH ER EFO R E A RE N O T I C LU D ED I A N D AR E N O T I N N N

2 AD D I I N TO TH E LI I OF LI B I I Y SHOW N I TH E CO V ER A G E SUM M A RY FOR 4 TO MT A LT N

2 M OTOR VEHI LE LI BI I Y . (#.. 5 C A LT ' f ) '
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2 f rt epe oc ure c l i,$3 0,00.0. (d.! 29 . Plitf h sar a yofe e t epe pe s n o h r c rn e i t 0 0 0 1 m ) an if a le d rr d h r r o 3 al w a ceof$1 0,00.0 t t eM a a a g a gs (d..Ba e ont i dipu ei c v r ge Pl itflo n 0 0 0 o h c d n d n . 1 4 s d h s s t n o e a , an il

4 se sde lr tl rle t m ti Cour pus a tt 28U. . . 2201Fe . Ci.P. a dN. .. e k caaoy eifi hs o t ru n o SC j , d R. v 57, n R S
5 Chapt r30. e 6 7 A. DI C U SSIO N S St ndard f rM oton t Di m is a o i o ss

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1 ...cam i a d t c gr un su o whih i r ss' Conly v.Gis n,355 U. .41 47 ( 95 ) 0 li s n h o d p n c t e t.' e bo S , 1 7. l1 Fe e a Rul ofCiiPr c dur 1 ( )6 ma daest a aco r dimisac us ofa ton t a fist d rl e v l o e e 2 b ( ) n t h t u t s s a e c i h t al o 1 sa eacai upon whihr l fc n b g a td. A moto t dim isunde Rul 1 ( )6)t sst e 2 tt l m c ei a e r n e e in o s s r e 2b ( et h 1 c m pli tss ë cinc .Se NorhSt rl tlv. ion Cor . 3 o an ' u e y e t a n ' Arz a p Comm '.7 0F. d57 , 1( t Ci. . n , 2 2 8 58 9 h r 1 1 83) W he c nsde ig a mo in t dimis u de Rul 1 b ( )f r f i r t sa e a cli , 49. n o i rn to o s s n r e 2( )6 o al e o tt u am
1 d s is li a pr p i t o l wbe t e c m pl i tdoe notgi c t e de e da tf i notceofal ga l 5 im s a s p o rae n y n h o an s v h fn n ar i el y
16 cogni abl cli and t e gr unds on whih i r ss. SeeBel At.Cor .v.Twombl ,550 U. .544, z e am ho c tct ll p y S

1 5 4,l S. .1 1 64( 007 .Howe c,a t musbes m ce tt e geac mplitfom te 7 5 27 Ct 955, 9 2 ) v r fcs t u in o d o an r h
18 concei abl t t e plusbl i or ert s at a cl i . / . l consderng w het er t e com pl i ti v e o h a i e n d o t e am # n ii hh an s 19 s fi intt sat a cl i ,t e cour wilt ke al m at ralalegatonsast ue and constuet e i t e u fcc o t e a m h t la l ei l i r r hm n h

20 lgh mos fv r bet t eplitf Se NL 1 du%,l c v Ka l n,792 F.d 896 898 ( t Ci. i t t a o a l o h an if e n . n . . pa . 2 , 9h r 21 1 6) Thec ur, ow e e ,snotr quie t a c pta tueal gai nst a a eme eyc n l s r , 98 . o th v ri e r d o c e s r l to h t r r l o cu o y e
22 unw a r nt ddeductonsoff ct orunreas nabl i f r nces See S rewel v.Gol en St t Warror , ra e i a, o e nee . p l d ae is

2 266F.d979, 8( t Ci.2 01. 3 3 98 9h r 0 )
24 Th Sup e e Cou t r c n l cl rted t at ilor e t av i a m oto t dim is t e e rm r e e ty a ii h , f d r o o d in o s s , h
25 com pl itm us cont i if ct alcont ntt atalow s t e cour t dr w t ereas nabl i f r ncet at an t an ça u eh l h to a h o e nec h

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1 t e dc e da ti la l f rt em ic nd c a l ge , As c o t . q a, -- S.-- 1 9S. t 1 3 , h f n n s i b e o h s o u t le d ' h r.j v I b l-- U. --, 2 C . 9 7 '

2 1 (009 .Th Couri As c otu te sae iwj eeac mplitpla sfcsta aeç eel 949 2 ) e tn h r. frh r ttd ' h r o an c d a t h t r i r y f E m
3 co ss e twih' a d f nd nts l bi t , ttt pss o tof he l ebe w e n pos i iiy a d pl usbiiy n itn t ' e e a ' i ly i so h r t i ai n te s b lt n a i l t
4 of enttem ent t r lef''f . Ther f r ,m er l maki g an alega i n i not enough t sur i e a il o ei ' # eo e ey n l to s o vv

5 m oton t dim is f c st a a pa tc l rde e da tm a plusbl be l bl f rt e al g d co d c i o s s ; a t h t ri u a f n n y a i y i e o h l e n u t a e
6 mus be pl d. t e 7 t ener ly,a dit itcour may notconsderany mat ralbeyond t e pl adi gsi r lng on r al src t i ei h e n n ui

8 aRul 1 b)6)moton. ..Howe e, tra whc ipr pel s bmitda patofh c mplit e 2( ( i. v rmae il ih s o ry u te s r te o an
9 ma beco sde e on a m o i n t dim is' H al ac St di s I c v Ri har l e ne d:Co. 8 6 y n i rd to o s s .' Ro h u o , n . . c d i i r s9

l F.d 1 42,1 55n.9 ( t Ci.1 )( ia insomit d .Si i ry,'oc m e t whos c ntnt a e 0 2 5 5 1 9 h r 990 ctto te ) m l l t u n s ad e o e sr
1l aleged i a compl i t and whosc aut e tciy no pary quesi ns,butw hih ar not physcaly l n an h ni t t to ce il

1 ata he t tepla ig, b c nsde e i r ln onaRul 1 ( )6)motont dim is' t out 2 tc d o h e d n may e o i r d n u ig e 2 b( i o s s 'wih

1 c n etngtemoint dimisit amotonf rsmmayj d me t Br nc v.Tun el 1 F.d 3 o v ri h to o s s no i o u r u g n. a h n l, 4 3
1 449,454 ( t Ci.1 9 ) M or ov r un e Fe .R.Evi .201 a c ur ma t kej dcal ieof 4 9h r 9 4 . e e , d r d d , o t y a u ii notc

l d atr of i rc r .'Mac v Sout Ba Be rDiti.798F.d1 79,1 82(t Ci.1 8 ) 5 i tes publ e o d' k . h y e srb, m c 2 2 2 9h r 9 6 .
1 Ot ea ie i t edit i tc ur c nsde sm a e i l out i e oft epl a i gs t e moton t dim isi 6 h lv s , f h s rc o t o i r t ra s sd h e dn , h i o s ss

1 con etdit amotonfrs n nayjdgme t Se Ar i v. aClr Vale Tr np. nc , 7 v re n o i o uu r u n. e p n Sant a a ly a s Age y

1 261F.d91 ,9 5( t Ci. 01. 8 3 2 2 9h r 20 )
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D ef ndant brng t i i santm oton alegi g t att er i no cas and cont ove s pres nt d e s i hs n t i l n h h es e r ry ee

2l i ti a tona dteeor ti Coutha noj rs iton.Dee da t fit ad rs tedie tyon n hs ci n h r f e hs r s u idci fn ns alo d es h rcl
22 poi tc s l w pr s nt d no on y i Pl i tT sc m pl i t whih D e e da t a es e i g t dim i s n a e a e e e t l n an i o a n , c fn n s r e kn o s s , 2 but a s i Pl i tf ' op oston. W hi Def nda t ' poston a t t e c s a d c ntove s 3 lo n a n ir s p ii l e e ns ii s o h a e n o r r y
24 r quiem enti r tonal i i nots pport d by t i Cicui' l w . I es e ce,Def ndant ur e t e er s ai ,t s u e hs r ts a n sn e sgh 25 // /
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2 ditng ih t i c s fom t e c s sc t d b Pli tf i t e c m pl it s i u s h s a e r h a e ie y a n i n h o a n .

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t) t ee pes tnnsoft eConttton,tee ecs oftej diilpowe i lnie t ty h x r s e l h siui h x rie h u ca r s i td o r

4 iass a d tantov ris''Mu katy US. 21 U. .346,356,31S.Ct 25 ( 911. The c e ' n c r e se .' s r ' , 9 S . . 01 )
5 D ecl r t r J dgm entActs eci caly pr vi es a rght f r cl i ant seeki g decl r t l relefi aao y u p f l od i o am s n a ao y i n 6 cert i st atons The sat t pr vi es: an iu i . t ue o d

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U nied St t s,upon t e tlng of an appr prat pl adi g,may decl r t e t ae h ii o ie e n ae h

rg t a d ot e l g l r l tons of a y i t r s e pa t s e i g s c ih s n h r e a eai n n c e t d ry e k n u h de lr to ,whe he orn tf rhe r l fi orc ul be s ught. .. ca a in t r o u t r ei s o d c o .

28U. . . 2201 Asnot dbyt eNit Cic i Cour of SC j . e h nh rut t Appe l,stheDe lr t l J d m e t t as ' l g ca ao ' u g n Ac y
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e br c s1 t c nsiutona a dpr de ta c nc r s A lw s i s e i g de lr t r r l f us fr t m a e 7 h o tt i l n u n i l o e n . a u t e k n c a a o y e i m t ts 0 e
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pr s ntan act alcas orcont over yw ihi t em eani g ofAri l 1 1 s cton2 oft eU nied St t s ee u e r s tnh n tc e 1 , e i h t ae

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Con ttton.Imus as fllsautr j rs ito a prrquiie . Gov r me t o e sIs siu i t t lo ufltt oy u idcin l ee sts' e n n Emply e n . '
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adm itng ofs ecii r left r ugh adecr eofconcl si echar ct r asditnguihed fom anopi i n ti p fc e i h o e uv a e , si s r no

a vsn wh th lw wo l b u o ah p teia saeo fcs'Aen Ll'Is Co o la fo 4 d iig a t e a ud e p n y oh t ltt fa t. ta ' n . .f i r r c ' J c
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ont i prn i l, dngt a whe epli tfss e dc lr t r r le t er lva tiq iyi whehe hs icp e heli h t r an if e k ca ao y eif h ee n n u r s t r

teeibuhce tmme ic an ralt t warnth is a c ofade lrtr j dg me t'Ros h r s è f in i da y d e i o ra te su n e s y caao y u e n . s '
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v. a k ,1 F.d 11 7,111 ( t Ci.1 99 . Als a 89 3 0 4 9h r 9 )
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A snot d by Pl itf-n t e com pl i tand t er sponsci opposton t Def nda t 'm oton, e a n ili h an he n ii o e ns i
23

t c N i t Cicui hasconss enty hel t ata 'diput bet een an i sur rand isi s reds over t e h nh r t it l d h çs e w ne t nu h 24

d tesi pos d by a i s r nc c nta ts tsi sAri l 1 1 sc s a d c ntovc s r quie e t' ui m e n n u a e o r c a ite tc e I ' a e n o r r y e r m n . '
25 Pagc 5 of 7

1 Gov' Empl yees Ins.Co. 1 3 F. d at 1222 n. . For i s ance,i Amercan St t s Ins. Co.v. t o ,3 3 2 nt n i ae

2 Ke r s 1 F.d1 2,1 4- 5(t Ci.l 4)teNit Cic id tr ie ta a is rrh darpe a n s 5 3 4 4 . 9h r 99 ,h nh rut eem n d h t n n u e a i . 4
3 cas orcontover y w her i s ughta decl r ton r gar i g isoblgatons i a pendi g sat coul e rs eto a ai e d n t ii n n te ' t

4 ac i n. Thi i a s c nss e tw ih t c Unie St t sSupr m e Cour ' a pl a i n oft e c s a d to s s lo o it n t h td a c e ts p i to c h ae n

5 c nr v ryrquie e ti Mal lndCas al v Pa fi Coald: 1Co.31 U..27 ,61S.Ct o to es e rm n n y a ut. cc y 01 , 2 S 0 .
6 51 ( 9 1, r teCourhedta a is rrsde lrtr acinrgadigisd t t d fn a d 0 1 4 )whee h t l h t n n u e' caao y to e r n t uy o ee d n
7 i dem niy w ass E ci nty rpe,even w he t e unde l i g labiiy acton i s at cour had notyet n f u eli nh ry n i lt i nte t

8 pr c e e t jdg e t o e d d o u m n.
9 l t epr s ntcas ,Pl i tf s eksdecl r t r r lefregar i g isoblgatonsundert epolcy n h ee e a n ir e a a o y ei dn t i i h i

l iha orha wi teLe is TheMa a a gda gsaej ie a pate, nsdcigt a te aete 0 t s d t h be . h c d n n r on d s risco i rn h th y r h
11 ones m aki g t e dem ands under t e polcy and arc ar uabl t e r alpari s i i t r st l i nh h i g yh e te n n e e . t s l2 undiput d t att e M acadangdangscli t ey ar entted t t e peroccur ence am ountundert e seh h am h e il o h r h

1 polc of$300, 0 .0.Pl itf c n e dst a t eya eo l la l f rt e$1 0,00.0, rpe s n 3 iy 0 00 an if o t n h t h r n y ib e o h 0 0 0 pe r o
1 lr i, d ha eofe e t pa t a pol ylm f t t eM ac d ngd ngs Thi i as ë c e ty i m e it 4 in t an v r r d o y h t i i t o h c a a a . s s u in l m da e

l a dra c nr ves un e t elw ofhiCic ia dteSup e eCourt wa -nturs iton.Th 5 n e l o to ry d rh a t s rut n h r m to na j idci e
16 par i si t i s i have adver e l gali t r s sand have a r aldiput over t e am ountow cd unde te n h s u t s e neet e se h r
17 t e i s r nce cont act. h n ua r

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De e da t c m pl t l i nor t e N i t Cic i c s 1 w r ie by Pl i tf Thi i i s ie fn n s o e ey g e h n h r u t a e a as d a n if s s n pt

1 oftecttonst tecae spporigjrs ito ta weeicude i Plitt sComplit 9 h iai o h ss u tn u idcin h t r n l d n ani r ' an !
20 Def n a t d notev n ma e a good f i a t m ptt di t gufh t e pr s ntc s f om t os c t d ed ns o e k a t te h o s i s h e e a e r h e ie n 21 by Pl itE l t e f c oft e c c r c t ton t c nta y l w ,D e e da t c os t i s e d a gue a n i n h a e h l a ia i o o r r a fn n s h e o n t a r 2 pas e t e l w , n c s nc ,a t m ptn t g tt i Cour tl a ean i c l c t e m i a i n. Uulk 2 s d h a i s e e te i g o c h s t cm k r o r c det r n to l ie 23 D c e da t 'a g m e tt a t i i me c y a p t n i l i bi t ,i i u co t se t a Pl i tf hasa f n n s r u n h t h s s r l o e ta la l y t s n n e t d h t an ir i n
24 // /

25 // / Page 6 of 7

1 obl ato t De e da t .Th si notapot nta l b l y butar a l bi t ov rwhih t e e i a l e i in o f n n s i s g e i l i ii , at e li ly e ai c hr s i v
2 diput ast cove age. Ashasaleady bee dicus ed i t e cas l w cied above,i i unneces ar seo r r n s s nh ea t ts sy

3 frteet beajdg e ti teun e liga to t ma etî c ntoves a tona l. o hr o u m n n h d ryn cin o k hs o r ry ci be
4 C O N C L U SIO N

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6
7 8

I I HEREBY ORDERED THAT Defnda t 'M otont Dim is(/ 6)i DENI D . TS e ns i o s s /1 s E
DATED :Thi 9* day ofJ ne,201 . s u 0

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UN I E T

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ERT C JON E S A TE S D I TR I T J D G E S CU

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