Hart et al v. Safeco Insurance Co et al
Filing
53
ORDER AND OPINION The Court DENIES Safeco's 34 motion to dismiss. However, the Court finds that the entity issuing the insurance policy at issue in this coverage action is an indispensable party under Rule 19(a)(1) of t he Federal Rules of Civil Procedure. The Court therefore ORDERS Plaintiffs to join First National as a defendant in this action within twenty-one days of the date of this Order. Fed. R. Civ. P. 19(a)(2). Any previously asserted claims asserted against First National will relate back to the date of the original complaint. See Fed. R. Civ. P. 15(c)(1)(B)-(C). AND IT IS SO ORDERED. Signed by Honorable Richard M Gergel on 12/19/2016.(sshe, )
IN THE UNITED STATES DISTRICT COURT
DISTRICT OF SOUTH CAROLINA
CHARLESTON DIVISION
Juanita Hart and Devon Hart-Barron,
)
Civil Action No. 2: 16-2777-RMG
)
Plaintiffs,
v.
Safeco Insurance Co., a sUbsidiary of
Liberty Mutual Insurance Company cUb/a
First National Insurance Company of
America, and American Auto Club
Insurance Agency,
)
)
)
)
)
)
)
ORDER AND OPINION
)
)
)
Defendants.
)
This matter is before the Court on Defendant Safeco Insurance Company's ("Safeco")
motion to dismiss the amended complaint under Rule 12(b)(6) of the Federal Rules of Civil
Procedure. The amended complaint asserts six causes ofaction against Safeco: conversion, breach
of contract, bad faith denial of insurance coverage, negligent misrepresentation, promissory
estoppel, and equitable estoppel. Safeco argues claims against it should be dismissed because it
did not issue the insurance policy at issue in this case. Documents referenced in or integral to the
complaint may be considered when considering a motion to dismiss. Phillips v. LCI Int 'I, Inc.,
190 F.3d 609,618 (4th Cir. 1999). Here, documents referenced in the amended complaint show
that the policy at issue in this case was issued by First National Insurance Company of America
("First National"). (See Am. Compl. Ex. A.) First National is one of Safeco's many underwriting
companies.
See
Insurer
Licensing
http://www.safeco.comlunderwriting-companies.
Information,
Safeco
Insurance,
Further, by sworn affidavit, First National
Insurance Company has admitted it is the entity issuing the policy at issue in this case. (Dkt. No.
39-1.)
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However. those documents also prominently feature "Safeco" on every declarations page,
the policy tenns use phrases such as "Disclosure to Safeco Policy Holders," and the policy tenns
define "Safeco" as "Safeco Insurance Company of America [and] First National Insurance
Company of America." (See Dkt. No. 39-1 at 3-9.) The signature block for the adjuster assigned
to the February 1,2016 accident reads:
Richard Valenzuela
First National Insurance Company of America
(317) 660-3218 Fax: (888) 268-8840
Ricahrd. Valenzuela@safeco.com
(Am. Compi. Ex. B (emphasis added).) The Court cannot detennine, solely from the documents
referenced in or integral to the amended complaint, that Plaintiffs have not stated a claim against
Safeco.
Further, some of Plaintiffs' claims, such as negligent misrepresentation, are not
necessarily coverage claims. The Court therefore DENIES Safeco's motion to dismiss. However,
the Court finds that the entity issuing the insurance policy at issue in this coverage action is an
indispensable party under Rule 19(a)(1) of the Federal Rules of Civil Procedure. The Court
therefore ORDERS Plaintiffs to join First National as a defendant in this action within twentyone days of the date of this Order. Fed. R. Civ. P. 19(a)(2). Any previously asserted claims
asserted against First National will relate back to the date of the original complaint. See Fed. R.
Civ. P. 15(c)(1)(B)-(C).
AND IT IS SO ORDERED.
Richard Mark Gergel
United States District Court Judge
December I ~ , 2016
Charleston, South Carolina
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