Grudkowski v. Foremost Insurance Company
Filing
53
MEMORANDUM Signed by Honorable A. Richard Caputo on 7/1/13. (jam)
IN THE UNITED STATES DISTRICT COURT
FOR THE MIDDLE DISTRICT OF PENNSYLVANIA
ARLENE GRUDKOWSKI, Individually and
on behalf of a Class of Similarly Situated
CIVIL ACTION NO. 3:CV-12-1847
Persons,
(JUDGE CAPUTO)
Plaintiff,
v.
FOREMOST INSURANCE COMPANY,
Defendant.
MEMORANDUM
Presently before the Court is Plaintiff Arlene Grudkowski’s (“Grudkowski”) Motion for
Reconsideration (Doc. 41) of the Court’s March 5, 2013 Memorandum and Order which
granted Defendant Foremost Insurance Company’s (“Foremost”) motion to dismiss the First
Amended Class Action Complaint.
Because Grudkowski fails to demonstrate that
reconsideration of the March 5, 2013 Memorandum and Order is warranted, her motion will
be denied.
I. Background
As set forth in greater detail in the March 5, 2013 Memorandum, Grudkowski filed
the First Amended Class Action Complaint in this action on behalf of herself and similarly
situated individuals on October 26, 2012, (Doc. 16), asserting claims for breach of contract
(Count I), violation of the Unfair Trade Practices and Consumer Protection Law (Count II),
unjust enrichment (Count III), and statutory bad faith (Count IV). See Grudkowski v.
Foremost Ins. Co., No. 12-1847, 2013 WL 816666, at *4 (M.D. Pa. Mar. 5, 2013).
Grudkowski’s allegations relate to her claim that she purchased automobile insurance for
her antique and classic vehicles from Foremost which purported to provide stacked
uninsured and underinsured motorist coverages.
In actuality, however, Grudkowski
contends that the policies only provided unstacked coverages. See id. at *1.
On November 9, 2012, Foremost filed a motion to dismiss the First Amended Class
Action Complaint in its entirety. (Doc. 17.) Oral argument was held on the motion on
February 21, 2013. Thereafter, Foremost’s motion to dismiss was granted, and the First
Amended Class Action Complaint was dismissed with prejudice. See Grudkowski, 2013 WL
816666, at *16.
With respect to the breach of contract claim in Count I, I concluded that the
allegations in the First Amended Class Action Complaint failed to state a claim upon which
relief could be granted. See id. at *9. In making this determination, I relied on St. Paul
Mercury Ins. Co. v. Corbett, 630 A.2d 28, 29 (Pa. Super. 1993) (en banc), St. Paul Mercury
Ins. Co. v. Perry, 227 F. Supp. 2d 430, 432 (E.D. Pa. 2002), and St. Paul Mercury Ins. Co.
v. Mittan, No. 01-5372, 2002 WL 31928446, at *1 (E.D. Pa. Dec. 21, 2002), which
supported “the proposition that an insurer, as a matter of law, may sell antique automobile
insurance policies in Pennsylvania which do not allow for the stacking of coverages.”
Grudkowski, 2013 WL 816666, at *6-8. As a result, I found that “the antique automobile
polices sold by Foremost complied with the [Pennsylvania Motor Vehicle Financial
Responsibility Law] (“MVFRL”).” And, since the insurance policies did not provide for interpolicy stacking, I concluded that Grudkowski could not state a claim that Foremost breached
a contractual duty when it did not provide stacked coverages. See id. at *8.
As to the claim under Pennsylvania’s Unfair Trade Practices and Consumer
Protection Law, 73 Pa. Stat. Ann. §§ 201–1, et seq. (“UTPCPL”), I found that the policies
sold by Foremost contained clear, lawful coverage limitations. As a result, I concluded that
Grudkowski failed to allege that Foremost engaged in conduct in violation of the UTPCPL.
Grudkowski, 2013 WL 816666, at *9-11. In dismissing the claim, I relied on Fay v. Erie Ins.
Grp., 723 A.2d 712 (Pa. Super. 1999) to support my conclusion that Grudkowski’s “remedy
lies with the legislature or Insurance Commissioner.” Grudkowski, 2013 WL 816666, at *1012.
Grudkowski’s unjust enrichment claim was also dismissed. Specifically, I reasoned
that as the existence and validity of the parties’ insurance contracts were not in dispute,
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Grudkowski could not recover on an unjust enrichment claim. See id. at *13.
Grudkowski’s final claim, statutory bad faith under 42 Pa. Cons. Stat. Ann. § 8371,
was dismissed as well. See id. Since Grudkowkski’s bad faith claim was “not related to
Foremost’s performance of its contractual obligations of defense and indemnification or
payment of a loss,” I held that Grudkowski failed to state a statutory bad faith claim under
Pennsylvania law. See id. at *14 (citing Toy v. Metro. Life Ins. Co., 593 Pa. 20, 41, 928 A.2d
186, 199 (2007)).
Lastly, I denied Grudkowski the opportunity to further amend the First Amended
Class Action Complaint. See id. at *16. Specifically, because amendment of the breach of
contract, UTPCPL, statutory bad faith, and unjust enrichment claims would be futile, I
dismissed the First Amended Class Action Complaint with prejudice. See id.
On March 18, 2013, Grudkowski filed a motion for reconsideration of the March 5,
2013 Memorandum and Order granting Foremost’s motion to dismiss. The main points
raised in Grudkowski’s brief in support of her motion for reconsideration are: (1) the Court
failed to recognize or understand the development, the historical context, and the statutory
framework of the MVFRL, 75 Pa. C.S.A. §§ 1701, et seq.; (2) the Court erred in relying on
Corbett; (3) Corbett, Perry, and Mittan were wrongly decided and have no precedential
value to this case; (4) Foremost assumed a duty to provide stacked coverage and the Court
erred in relying on Fay to dismiss the UTPCPL claim; and (5) Toy does not compel
dismissal of the statutory bad faith claim. (Doc. 42.)
Foremost filed its brief in opposition to Grudkowski’s motion on April 18, 2013, (Doc.
50), and Grudkowski’s reply brief in support of her motion was filed on May 6, 2013.
(Doc.51.) The motion for reconsideration is now ripe for disposition.
II. Legal Standard
A motion for reconsideration is governed by Rule 59(e) of the Federal Rules of Civil
Procedure, which allows a party to move to alter or amend a judgment within twenty-eight
(28) days of entry. Fed. R. Civ. P. 59(e). Alternatively, when the reconsideration motion
is not to amend or alter the judgment pursuant to Rule 59, Middle District of Pennsylvania
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Local Rule 7.10 allows a party to seek reconsideration within fourteen (14) days of entry of
an order. “The purpose of a motion for reconsideration is to correct manifest errors of law
or fact or to present newly discovered evidence.” Harsco Corp. v. Zlotnicki, 779 F.2d 906,
909 (3d Cir. 1985) (citation omitted). A judgment may be altered or amended if the party
seeking reconsideration establishes at least one of the following grounds: “(1) an
intervening change in controlling law; (2) the availability of new evidence that was not
available when the court granted the motion; or (3) the need to correct a clear error of law
or fact or to prevent manifest injustice.” Max's Seafood Café, by Lou Ann, Inc., v. Quinteros,
176 F.3d 669, 677 (3d Cir. 1999). “A motion for reconsideration is not to be used as a
means to reargue matters already argued and disposed of or as an attempt to relitigate a
point of disagreement between the Court and the litigant.” Ogden v. Keystone Residence,
226 F. Supp. 2d 588, 606 (M.D. Pa. 2002). “[R]econsideration motions may not be used
to raise new arguments or present evidence that could have been raised prior to the entry
of judgment.” Hill v. Tammac Corp., No. 05 1148, 2006 WL 529044, at *2 (M.D. Pa. Mar.
3, 2006). Lastly, the reconsideration of a judgment is an extraordinary remedy, and such
motions should be granted sparingly. D'Angio v. Borough of Nescopeck, 56 F. Supp. 2d
502, 504 (M.D. Pa. 1999).
III. Discussion
As set forth above, Grudkowski seeks reconsideration of my application of Corbett
and its progeny to the policies at issue, as well as the dismissal of her UTPCPL and
statutory bad faith claims. Because the UTPCPL and statutory bad faith claims can be
disposed of in similar fashion, they will be addressed first. Thereafter, I will address
Grudkowski’s claim that I erred in relying on Corbett and its progeny to hold that the antique
automobile policies sold by Foremost complied with the MVFRL.
A.
The UTPCPL and Statutory Bad Faith Claims
Grudkowski’s request for reconsideration of the dismissal of the UTPCPL and
statutory bad faith claims will be denied. Here, the arguments Grudkowski advances in
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seeking reconsideration have all previously been argued and disposed of, as she attempts
to relitigate points of disagreement regarding the dismissal of these claims.
As to the UTPCPL claim, Grudkowski is again advancing the argument that by
issuing allegedly illusory insurance coverage, Foremost violated the UTPCPL. Similarly,
with respect to Fay, Grudkowski restates the same arguments that I previously found
unpersuasive. Accordingly, reconsideration of the dismissal of the UTPCPL claim is not
warranted.
Grudkowski also asserts the same arguments previously raised in seeking
reconsideration of the statutory bad faith claim. As with her brief in opposition to Foremost’s
motion to dismiss, Grudkowski attempts to distinguish Toy. These arguments, however,
have all been addressed and rejected. And, because there is no need to correct a clear
error of fact or law that occurred in dismissing the statutory bad faith claim, Grudkowski’s
request for reconsideration of the dismissal of the section 8371 claim will be denied.
B.
Corbett and its Progeny
Unlike Grudkowski’s request for reconsideration of the dismissal of the UTPCPL and
statutory bad faith claims which is based on the same arguments already put forth in this
action, her claims that I misapplied the MVFRL and improperly relied St. Paul Mercury Ins.
Co. v. Corbett, 630 A.2d 28 (Pa. Super. 1993) (en banc) are premised on arguments not
previously presented in this litigation. Grudkowski contends that “the Court failed to
recognize or understand the development, the historical context, and the statutory
framework” of the MVFRL. (Doc. 42, 1.) She also raises, among others, the following
arguments: (1) ”Corbett is factually and legally distinct from the present case,” (Id. at 6); (2)
“the rationale of Corbett retained no vitality after the Act 6 Amendments to the MVFRL,” (Id.
at 10); and (3) in Perry and Mittan “neither Judge Baylson nor Judge Rufe addressed the
critical issues pertinent to the post-Act 6 statute.” (Id. at 11.)
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Characterizing these
arguments as “new,” Foremost urges that I decline to consider them on the merits because
they are being presented for the first time on a reconsideration motion. Grudkowski,
however, disputes that these are newly raised arguments.
Grudkowski’s motion, as noted, is largely based on her request that I reconsider the
meaning and vitality of Corbett and its progeny. According to the “Table of Authorities” to
Grudkowski’s brief in support of her motion for reconsideration, Corbett is cited on fourteen
different pages. (Doc. 42, ii.) Grudkowski’s brief in support of her motion for reconsideration
refers to Corbett no less than eighty times. Similarly, Perry and Mittan are referenced on six
pages. And, both Perry and Mittan appear in the “Table of Authorities” to the brief in
support of Grudkowski’s motion. (Doc. 42, ii.)
Before Grudkowski’s First Amended Class Action Complaint was dismissed, she had
the opportunity to present substantive arguments regarding the MVFRL and to distinguish
and/or discredit Corbett, Perry, and Mittan. In her brief in opposition to Foremost’s motion
to dismiss, however, despite the fact that Foremost’s brief in support spent six pages
(approximately twenty-five percent of its brief) discussing Corbett and its progeny, (Doc. 20,
6-12), Grudkowski did not address these cases. In fact, in Grudkowski’s opposition brief,
citations to Corbett, Perry, and Mittan do not appear in the attached “Table of Authorities,”
Perry and Mittan were not discussed in the brief, and Corbett was referred to once- in a
footnote. (Doc. 26.) The entirety of Grudkowski’s discussion of Corbett provided:
It is worth noting that some Pennsylvania federal courts have refused to follow
Corbett. See, e.g., Quinney v. American Modern Home Ins. Co., 145 F. Supp.
2d 603, 608 (M.D. Pa. 2011) (Caputo, J.); Zurich Ins. Co. v. Lobach, Civil A.
No. 97-3281, 1997 U.S. Dist. LEXIS 11709, at *8-*9 (E.D. Pa. Aug. 5, 1997).
(Doc. 26, 16 n.3.)
Oral argument was also held on Foremost’s motion to dismiss. At oral argument,
Grudkowski’s counsel was questioned whether Corbett, as a Pennsylvania Superior Court
decision, was persuasive. (Doc. 52, 18:13-19:5.) After her counsel stated that he believed
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the decision to be unsound, his explanation mirrored that offered in Grudkowski’s brief:
This court, in Quinney and in the Lobach case, looking at the policy
language, really wasn’t persuaded by the way the court interpreted. The
punctuation, Lobach especially made clear, they disagreed, they called it
almost an identical provision. But they would not follow that type of decision.
The Benner case, it is also an Eastern District case not controlling. Without
a controlling case this Court must predict what the Pennsylvania Supreme
Court would do with that, your Honor.
(Id. at 19:6-14.)1
Lastly, Grudkowski sought leave to file a sur-reply brief in opposition to Foremost’s
motion to dismiss. (Doc. 32.) Although her request was denied, the proposed sur-reply brief
attached to her motion did not attack the Corbett court’s reasoning or its applicability to the
post-Act 6 MVFRL. Rather, she argued only that Corbett was not binding precedent. (Doc.
32, Ex. A.)
Grudkowski acknowledges that her motion for reconsideration “focuses upon a key
issue in the case, namely, the validity of the decision of the Superior Court in St. Paul
Mercury Insurance Company v. Corbett, 630 A.2d 28 (Pa. Super. 1993) and its progeny.”
(Doc. 51, 1.) Grudkowski, however, disputes Foremost’s suggestion that her motion raises
“new” arguments. Instead, she claims:
Corbett was discussed in the Memoranda submitted by the parties. At oral
argument, the Court specifically inquired as to whether Corbett controlled the
outcome. That issue was discussed. No new issues are being raised in this
1
At the close of oral argument, Grudkowski’s co-counsel set forth various reasons
Corbett was wrongly decided in addition to the arguments advanced in her written
submission. (Doc. 52, 37:4-39:17.) These arguments, however, did not address
Grudkowski’s present position that Corbett lost its vitality after the enactment of
the Act 6 Amendments. Rather, Grudkowski’s co-counsel explained why Corbett
was wrongly decided based largely on his experience and knowledge as counsel
for the insurer in that case. Thus, even if the theories regarding the unsoundness
of Corbett presented at oral argument are not considered “new” here, despite the
fact that courts need not consider arguments raised for the first time during oral
argument, see, e.g., Baker v. Hopeman Bros., Inc., No. 11-63924, 2012 WL
7761420, at *1 (E.D. Pa. Nov. 9, 2012), Grudkowski did not previously raise her
current claim that Corbett’s reasoning does not apply to the post-Act 6 MVFRL.
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Motion.
(Id. at 1-2 (footnote omitted).) While Grudkowski concedes that she “did not expand upon
the invalidity of Corbett,” (Id. at 1 n.1,), she explains that:
At that time, such discussion was unnecessary. In fact, Foremost had
conceded that the stacked coverage was illusory under the policy. As a result,
Grudkowski focused upon the ramifications of that illusory coverage.
Grudkowski never considered that the Court would find illusory coverage
(which was sold as real insurance coverage by Foremost) to be legitimate
under the MVFRL. As such, Arlene Grudkowski focused on other issues.
(Id. at 1 n.1.)
Grudkowski’s claim that her motion for reconsideration is not predicated on new
arguments is unpersuasive. As detailed above, even though Foremost relied extensively
on Corbett and its progeny in moving to dismiss the First Amended Class Action Complaint,
Grudkowski strategically determined that Corbett was worth mentioning in only a footnote
(and its progeny was not worth mentioning at all) in her opposition brief. And, in that
footnote, Grudkowski did not even provide a citation to the Superior Court’s decision. Thus,
Grudkowski’s statement that Corbett “was discussed in the Memoranda submitted by the
parties” is only partially true. (Doc. 51, 1.) Corbett and its progeny were analyzed and
discussed in Foremost’s briefs. In Grudkowski’s submissions, however, Corbett and its
progeny were disregarded. While Grudkowski’s reasoning for employing this strategy is
unknown, her explanation that further “discussion was unnecessary” so she could “focus[
] on other issues,“ (Doc. 51, 1 n.1) is puzzling. Insofar as Grudkowski’s position now is that
the district court decisions cited by Foremost in moving to dismiss the action, i.e., Perry and
Mittan, “just blindly applied the Corbett holding,” without any “thought,” “analysis,” or
“detailed reasoning,” as “each Court merely lifted a portion of the Corbett decision,” (Id. at
11), it is striking that Grudkowski did not find it necessary to advance these arguments or
otherwise attack the vitality or underpinnings of Corbett in opposing the motion to dismiss.
Suffice it to say, Grudkowski pursued one strategy in opposing Foremost’s motion to
8
dismiss, namely ignoring Corbett and its progeny.
Now, after having her complaint
dismissed, Grudkowski has altered course and sought reconsideration based on arguments
unrelated to her prior filings even though they could have been advanced in opposing the
motion to dismiss.
Accordingly, Grudkowski’s request for reconsideration will be denied because she
is impermissibly raising arguments that were available but not presented in the first
instance. The Third Circuit has recognized that motions for reconsideration are not meant
to “allow a party to ‘simply change theories and try again,’ thus giving them ‘a second bite
at the apple.’” Prusky v. Prudential Ins. Co. of Am., 44 F. App’x 545, 548 n.1 (3d Cir. 2002)
(quoting Bhatnagar v. Surrendra Overseas Ltd., 52 F.3d 1220, 1231 (3d Cir. 1995)).
Although a motion for reconsideration is “‘a device to relitigate the original issue decided by
the district court, and it is used to allege legal error,’” Dermo v. Isaacson, No. 11-6520,
2012 WL 4207179, at *1 (E.D. Pa. Sept. 19, 2012) (quoting Simms v. Phelps, No. Civ. A.
09–87, 2012 WL 831841, at *1 (D.Del. Mar. 9, 2012)), “it is not a vehicle to raise new
arguments or present evidence that could have been raised prior to the initial judgment.”
Donegan v. Livingston, 877 F. Supp. 2d 212, 226 (M.D. Pa. 2012).
Here, if Grudkowski wished to challenge the continuing vitality of Corbett and attack
Perry and Mittan’s reliance on Corbet, it was incumbent upon her to make these arguments
before Foremost’s motion to dismiss was decided. See Playboy Enters., Inc. v. Universal
Tel-A-Talk, Inc., No. 96-6961, 1999 WL 285883, at *1 (E.D. Pa. Apr. 26, 1999) (“A motion
for reconsideration based upon a supposed clear error of law or manifest injustice should
not be based upon what is only a disagreement with the court, nor should it be used to
present new arguments which could have been made prior to judgment.”); see also Bapu
Corp. v. Choice Hotels Int’l, Inc., No. 07-5938, 2012 WL 3259799, at *1 (D. N.J. Aug. 17,
2010) (“this court cannot consider Plaintiffs' statute of limitations argument because it was
9
raised for the first time in this motion for reconsideration.”). Because she waited to raise
these theories until now, her “arguments smack of an improper second bite and therefore
do not provide a valid basis for reconsideration.” Grant Heilman Photography, Inc. v.
Pearson Educ., Inc., No. 11-cv-4649, 2012 WL 1956787, at *2 (E.D. Pa. May 31, 2012)
(citing Bhatnagar, 52 F.3d at 1230-31). Simply put, Grudkowski’s reconsideration motion
“represents precisely the type of procedural maneuvering that is inappropriate in the
reconsideration posture.” Lester v. Percudani, No. 01-CV1182, 2008 WL 4722749, at *8
(M.D. Pa. Oct. 24, 2008) (refusing to neither consider nor reconsider the defendants’ tardy
arguments). Thus, reconsideration of the March 5, 2013 Memorandum and Order based
on Grudkowski’s new arguments is not warranted.
In any event, even if Grudkowski’s untimely arguments were considered, her motion
for reconsideration would nevertheless be denied because she has not established that I
committed a clear error of law in relying on Corbett and its progeny in granting Foremost’s
motion to dismiss. Initially, with respect to her statements that Corbett was “decided before
stacking was codified,” (Doc. 42, 4 n.3), and “Section 1738 was not part of the MVFRL at
the time Corbett was decided,” (Id. at 4 n.4), I note that Corbett was decided on August 13,
1993, while section 1738 became effective July 1, 1990. Compare Corbett, 630 A.2d at 28,
with 75 Pa. Cons. Stat. Ann. § 1738.
What Grudkowski otherwise appears to argue is that Corbett was decided under the
pre-Act 6 Amendments to the MVFRL and “only applies to pre-1990 policies.” (Doc. 42, 4.)
As a result, she opines that the “rationale underlying the Corbett decision has no
applicability to the post-Act 6 MVFRL,” (Id. at 9), since “Corbett was decided under a
materially different statute.” (Id. at 10.) A close examination of the Superior Court’s
decision, however, indicates that the court was applying the post-Act 6 MVFRL to the policy
at issue in that case. See Corbett, 630 A.2d at 30.
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As set forth in the Historical and Statutory Notes to section 1731:
The 1990 amendment rewrote subsec. (a), which formerly read:
“(a) General rule.-- No motor vehicle liability insurance policy shall be delivered
or issued for delivery in this Commonwealth, with respect to any motor vehicle
registered or principally garaged in this Commonwealth, unless uninsured
motorist and underinsured motorist coverages are provided therein or
supplemental thereto in amounts equal to the bodily injury liability coverage
except as provided in section 1734 (relating to request for lower or higher limits
of coverage).”
75 Pa. Cons. Stat. Ann. § 1731 historical and statutory notes. Yet, Corbett did not rely on
this version of section 1731. Rather, it cited section 1731 as amended by Act 6:
(a) Mandatory offering.- No motor vehicle liability insurance policy shall be
delivered or issued for delivery in this Commonwealth, with respect to any
motor vehicle registered or principally garaged in this Commonwealth, unless
uninsured motorist and underinsured motorist coverages are offered therein
or supplemental thereto in amounts as provided in section 1734 (relating to
request for lower limits of coverages). Purchase of uninsured and
underinsured motorist coverages is optional.
(b) Uninsured motorist coverage.- Uninsured motorist coverage shall
provide protection for persons who suffer injury arising out of the maintenance
or use of a motor vehicle and are legally entitled to recover damages therefor
from owners or operators of uninsured motor vehicles. The named insured
shall be informed that he may reject uninsured motorist coverage by signing
[a] written rejection form[.]
Corbett, 630 A.2d at 30 n.2 (quoting 75 Pa. C.S. § 1731). The court’s reliance on the postAct 6 version of section 1731 is further confirmed by its recognition that “a rejection of
uninsured motorist benefits [be] in the form of a written waiver signed by the insured.” Id.
at 30.2 Similarly, application of the post-Act 6 MVFRL in Corbett is indicated by the court’s
2
By noting that every motor vehicle liability insurance policy issued in the
Commonwealth was required to include both uninsured and underinsured motorist
coverage absent a rejection of benefits in the form of a written waiver also signals
that Corbett applied the post-Act 6 MVFRL in rendering its decision.
Specifically, the language in subsections (b) and (c) of section 1731 that “[t]he
named insured shall be informed that he may reject [uninsured/underinsured]
motorist coverage by signing the following written rejection form” was added by
the Act 6 Amendments. See 75 Pa. Cons. Stat. Ann. § 1731(b),(c) historical and
statutory notes (“The 1990 amendment also, in subsecs. (b) and (c), added the
second sentences and rejection forms.”).
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reference to the “mandatory offering” of uninsured motorist coverage. Id. at 30, 32. Lastly,
by citing section 1733(a)(1), the Corbett court also demonstrated that it was construing the
post-Act 6 MVFRL since the text in section 1733 was not designated as subsection (a) until
the MVFRL was amended by Act 6. See 75 Pa. Cons. Stat. Ann. § 1733 (“The 1990
amendment designated the existing text as subsec. (a) and added subsec. (b).”).
Therefore, the distinction between antique and personal use automobile insurance
policies recognized by the Corbett court was found in its construction and interpretation of
the post-Act 6 MVFRL. While Corbett did not cite section 1738 in its decision, the stacking
provision relied on by Grudkowski, the version of the MVFRL construed by the Superior
Court included section 1738. Thus, because Corbett applied the post-Act 6 MVFRL,
Grudkowski’s claims that “the restrictions sanctioned by Corbett were no longer valid under
the post-Act 6 MVFRL,” (Doc. 42, 9), and “[t]he rationale of Corbett retained no vitality after
the Act 6 Amendments to the MVFRL,” (id. at 10), must be rejected. As such, even if
Grudkowski’s untimely arguments are considered, I did not commit a clear error of law in
applying Corbett to the antique automobile policies at issue in this case.
IV. Conclusion
For the above stated reasons, Grudkowski’s motion for reconsideration will be
denied.
An appropriate order follows.
July 1, 2013
Date
/s/ A. Richard Caputo
A. Richard Caputo
United States District Judge
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