Schreib v. American Family Mutual Insurance Company
Filing
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ORDER denying 13 Plaintiff's Motion for Partial Summary Judgment by Judge James L. Robart.(MD)
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UNITED STATES DISTRICT COURT
WESTERN DISTRICT OF WASHINGTON
AT SEATTLE
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THERESA L. SCHREIB,
CASE NO. C14-0165JLR
Plaintiff,
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ORDER DENYING PARTIAL
SUMMARY JUDGMENT
v.
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AMERICAN FAMILY MUTUAL
INSURANCE CO.,
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Defendant.
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I.
INTRODUCTION
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This matter comes before the court on Plaintiff Theresa Schreib’s motion for
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partial summary judgment. (Mot. (Dkt. # 13).) This case arises from a dispute over the
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value of Ms. Schreib’s claim for underinsured motorist (“UIM”) benefits against
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Defendant American Family Mutual Insurance Co. (“American Family”). Having
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considered the submissions of the parties, the balance of the record, and the relevant law,
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ORDER- 1
1 and deeming oral argument unnecessary,1 the court DENIES Ms. Schreib’s motion for
2 partial summary judgment.
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II.
BACKGROUND
Ms. Schreib was involved in an uncontested liability automobile collision in April,
5 2009. (Compl. (Dkt # 3) ¶ 2.1.) Ms. Schreib alleges that, as a result of the collision, she
6 incurred injuries to her neck, back, and hip, as well as a mild traumatic brain injury.
7 (Id. ¶ 2.5.) American Family disputes the extent to which Ms. Schreib’s alleged injuries
8 were caused by the collision. (See generally Resp. (Dkt. # 18).)
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At the time of the collision, Ms. Schreib held an automobile insurance policy from
10 American Family that included, among other things, UIM coverage with a policy limit of
11 $500,000.00. (Policy (Dkt. # 20-19).) Ms. Schreib settled her claim against the
12 tortfeasor who caused the collision and his insurer for $75,000.00, the tortfeasor’s policy
13 limit. (Davis Decl. (Dkt. # 14) ¶ 4.)2 Ms. Schreib also received $56,300.00 in personal
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“When a party has had an adequate opportunity to provide the trial court with evidence and a
memorandum of law, there is no prejudice in refusing to grant oral argument.” Partridge v. Reich, 141
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F.3d 920, 926 (9th Cir. 1998) (internal punctuation omitted). Here, the issues have been thoroughly
briefed by the parties and oral argument would not be of assistance to the court. Accordingly, the court
17 will not hold oral argument.
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American Family moves to strike various portions of Mr. Davis’ first declaration as being
hearsay, constituting improper opinion testimony, or lacking foundation. (See Resp. at 1.) Because the
court does not rely on the portions of Mr. Davis’ declaration that are hearsay, opinion testimony, or lack
foundation, the court denies American Family’s motion to strike as moot.
The court, however, notes that although Ms. Schreib provided the court with hundreds of pages of
exhibits to comb through, her motion for summary judgment does not contain any citations to these
exhibits. (See Mot.) The parties are reminded that “[j]udges are not like pigs, hunting for truffles buried
in briefs.” United States v. Dunkel, 927 F.2d 955, 956 (7th Cir. 1991). On a motion for summary
judgment, the “party asserting that a fact cannot be or is genuinely disputed must support the assertion by
citing to particular parts of materials in the record.” Fed. R. Civ. P. 56(c)(1) (internal punctuation
omitted).
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ORDER- 2
1 injury protection (“PIP”) medical and income loss benefits from her policy with
2 American Family. (Id. ¶ 5.)
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In addition to recovering those amounts, Ms. Schreib submitted a claim to
4 American Family for UIM benefits in spring of 2011. (See Am. Fam. 5/3/11 Letter (Dkt.
5 # 20-1).) Ms. Schreib’s attorney testifies that her initial request for UIM benefits was
6 supported by “copies of Ms. Schreib’s medical and billing records to date, employment
7 records and/or wage loss documentation, and copies of the settlement demand packages
8 sent to the tortfeasor’s auto insurers.” (Davis Decl. ¶ 8.) The record before the court,
9 however, does not include either Ms. Schreib’s initial request for UIM benefits
10 or the documentation that allegedly accompanied it. (See generally Davis Decl. Exs. 111 17; Dkt.)
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Over the next several months, Ms. Schreib and American Family corresponded
13 numerous times regarding her claim for UIM benefits. Initially, American Family
14 “pended” Ms. Schreib’s UIM demand and requested more information. (Am. Fam.
15 5/3/11 Letter.) Shortly thereafter, in June, 2011, American Family agreed to voluntarily
16 waive its $56,300.00 PIP subrogation claim against Ms. Schreib’s settlement with the
17 tortfeasor’s insurer. (Am. Fam. 6/2/11 Letter (Dkt. # 20-6).) In September, 2011, Ms.
18 Schreib provided American Family with a medical report created in connection with her
19 application for Social Security benefits. (Davis Decl. ¶ 10.) This report concluded that
20 Ms. Schreib was medically disabled due to a traumatic brain injury. (See SS Rep. (Dkt.
21 # 3).) In addition, Ms. Schreib’s lawyer testifies that over the course of several months,
22 his office provided American Family with “medical records, medical bills, witness
ORDER- 3
1 statements, tax returns, and expert reports” supporting the value of her UIM claim. (2d
2 Davis Decl. (Dkt. # 23) ¶ 3.)
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In November, 2011, American Family informed Ms. Schreib that it had
4 determined that the combination of her settlement and the PIP waiver, which results in a
5 total recovery $131,300.00, was sufficient to fully compensate her for the injuries
6 sustained in the collision. (Am. Fam. 11/1/11 Letter (Dkt. # 20-7); Am. Fam. 11/9/11
7 Letter (Dkt. # 20-8).) American Family based this decision on an independent medical
8 review completed in September, 2009, by a neurosurgeon and a chiropractor. (See
9 11/9/11 Letter.) This review, which evaluated Ms. Schreib’s neck, back, and hip injuries,
10 as well as the mental difficulties she was allegedly experiencing, concluded that further
11 treatment was no longer necessary or likely to be effective and that Ms. Schreib was
12 capable of performing her functional job activities going forward. (See IME Rep. (Dkt.
13 # 19-1).)
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In February, 2012, Ms. Schreib submitted a “settlement demand package” to
15 American Family that included additional medical documentation regarding her injuries
16 and formally requested payment of the $500,000.00 UIM policy limit. (Davis Decl. ¶ 15;
17 Davis 2/9/12 Letter (Dkt. # 14-8); Am. Fam. 2/10/12 Letter (Dkt. # 20-9); Am. Fam.
18 2/14/12 Letter (Dkt. # 20-10).) This additional documentation, which is not contained in
19 the record currently before the court, apparently consisted of medical records, reports,
20 and billings concerning the various evaluations, procedures, and physical therapy that
21 Ms. Schreib had undergone, including, for example, one doctor’s diagnosis that she was
22 suffering from a mild traumatic brain injury. (See Davis 2/9/12 Letter; 2d Davis Decl.
ORDER- 4
1 ¶ 4.) The formal demand for payment identified past medical expenses of over
2 $90,000.00 and estimated Ms. Schreib’s damages as of that date date, including pain and
3 suffering, to be over $900,000.00. (Id.)
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American Family agreed to consider the new medical evidence and submitted Ms.
5 Schreib’s file to two consultants—an orthopedic surgeon and a neuropsychologist—for
6 review. (Am. Fam. 2/14/12 Letter.) The orthopedic surgeon concluded that Ms.
7 Schreib’s hip injury was unrelated to the vehicular collision and instead stemmed from
8 certain preexisting conditions. (Ortho Review (Dkt. # 19-6) at 14-16.) The
9 neuropsychologist concluded that Ms. Schreib did not sustain a traumatic brain injury
10 from the collision. (Neuro Review (Dkt. # 19-4) at 15, 18.)
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In April, 2012, Ms. Schreib provided American Family with a report from an
12 expert in vocational assessment and rehabilitation who concluded that Ms. Schreib was
13 unemployable due to cognitive impairment caused by her mild traumatic brain injury.
14 (Davis 4/2/09 Letter (Dkt. # 14-11); Job Rep. (Dkt. # 14-10).) Ms. Schreib also provided
15 American Family with a report from an economist that estimated Ms. Schreib’s past and
16 future lost earnings capacity to be over $2 million. (Davis Decl. ¶ 19; Earnings Rep.
17 (Dkt. # 14-12).)
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In June, 2012, American Family formally informed Ms. Schreib that it had
19 determined that she was fully compensated by her recovery to date of $131,300.00, and
20 that American Family therefore would not offer her any more compensation. (Am. Fam.
21 6/9/12 Letter (Dkt. # 20-12).) American Family based this decision on the reviews
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ORDER- 5
1 provided by the orthopedic surgeon and neuropsychologist concluding that Ms. Schreib’s
2 hip and brain injuries were not causally connected to the collision. (Id.)
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Dissatisfied with this response, in December, 2012, Ms. Schreib requested that her
4 claim be submitted to binding arbitration pursuant to the terms of the American Family
5 policy. (Davis 12/14/12 Letter (Dkt. 14-16).) In preparation for the arbitration, the
6 parties engaged in more medical fact-finding and evaluation. Specifically, Ms. Schreib
7 supported her claim for benefits with, among other materials, (1) a report from her
8 counselor, (2) a report by a neurological consultant, and (3) an independent medical
9 examination by a medical doctor. (Jaeger Decl. ¶ 6; Dkt. ## 19-19 through 19-21.)
10 American Family, for its part, supported its position that Ms. Schreib had been fully
11 compensated with (1) a report from a neuropsychological expert, (2) a report from an
12 orthopedic surgeon, (3) a report from a rehabilitation and vocation expert, and (4) a report
13 from an economist. (Jaeger Decl. ¶ 4; see Dkt. ## 19-7 through 19-18.)
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On September 24, 2013, the day before arbitration, Ms. Schreib reiterated her
15 demand for the limit of the UIM policy and left her offer open until 4 p.m. (Jaeger Decl.
16 (Dkt. # 19) ¶ 14.) American Family countered with an offer for $100,000.00. (Id.) In
17 response, Ms. Schreib offered $450,000.00. (Id.) American Family then increased its
18 offer to $125,000.00. (Id.) At that point, negotiations stalled. (Id.)
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At the close of the three-day arbitration, the arbitrator ruled in favor of Ms.
20 Schreib. (See Arb. Ruling (Dkt. # 14-17).) The arbitrator found that Ms. Schreib did
21 sustain a mild traumatic brain injury as a result of the collision. (Id. at 3.) The arbitrator
22 awarded Ms. Schreib total damages of $1,186,988.00, which included past medical
ORDER- 6
1 expenses of approximately $95,000.00, as well as past and future loss of income and pain
2 and suffering. (Id. at 5.)
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Ms. Schreib then filed this action against American Family, alleging claims for
4 breach of contract, violations of Washington’s Insurance Fair Conduct Act, and insurance
5 bad faith. (See Compl.) In the motion currently before the court, Ms. Schreib requests a
6 ruling that American Family’s offer to settle her claim for substantially less than the
7 amount she ultimately recovered in arbitration constitutes an unfair and deceptive claims
8 settlement practice as defined by the Washington Administrative Code. (See generally
9 Mot.) American Family opposes this motion.3 (See Resp.)
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III.
ANALYSIS
11 A.
Summary Judgment Standard
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Federal Rule of Civil Procedure 56 permits a court to grant summary judgment
13 where the moving party demonstrates (1) the absence of a genuine issue of material fact
14 and (2) entitlement to judgment as a matter of law. Celotex Corp. v. Catrett, 477 U.S.
15 317, 322 (1986); see also Galen v. Cnty. of L.A., 477 F.3d 652, 658 (9th Cir. 2007). The
16 moving party bears the initial burden of production of showing an absence of a genuine
17 issue of material fact. Celotex, 477 U.S. at 323. If the moving party meets its burden of
18 production, the burden then shifts to the non-moving party to designate specific facts
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The court granted American Family permission to file a responsive brief that was two pages
over-length. (See Dkt. # 16.) Nonetheless, American Family effectively exceeded even that amount by
21 filing a brief containing three pages of single spaced text. (See Resp. at 2-4.) This district’s local rules
provide: “The text of any typed or printed brief must . . . with the exception of quotations, be double
Local Rules W.D. Wash. LCR 10(e)(1). The
are advised
22 spaced.” factor the court will consider when evaluatingparties requests for that disregard for the local
rules is a
future
procedural accommodations.
ORDER- 7
1 demonstrating the existence of genuine issues for trial. Id. at 324. The non-moving party
2 must provide affidavits or other sources of evidence that “set forth specific facts showing
3 that there is a genuine issue for trial” from which a factfinder could reasonably find in the
4 non-moving party’s favor. Fed. R. Civ. P. 56(e); Anderson v. Liberty Lobby, Inc., 477
5 U.S. 242, 252 (1986). In determining whether the factfinder could reasonably find in the
6 non-moving party’s favor, “the court must draw all reasonable inferences in favor of the
7 nonmoving party.” Reeves v. Sanderson Plumbing Prods., Inc., 530 U.S. 133, 150
8 (2000).
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Washington Insurance Regulations
Washington’s Insurance Fair Conduct Act (“IFCA”) prohibits any person in the
11 business of insurance from engaging in unfair or deceptive acts or practices when
12 conducting insurance business. RCW 48.30.010(1). Under IFCA, the state insurance
13 commissioner is authorized to promulgate regulations defining unfair or deceptive
14 insurance practices. Id. § (2). Accordingly, Washington insurance regulations identify
15 nineteen specific unfair claims settlement practices. See WAC 284-30-330. The
16 Washington Supreme Court has held that a violation of any one of these regulations, in
17 addition to constituting an unfair insurance practice under IFCA, also constitutes a per se
18 unfair trade practice under the Washington Consumer Protection Act and is relevant to
19 establishing insurance bad faith. See Indus. Indem. Co. of the Nw., Inc. v. Kallevig, 792
20 P.2d 520, 530 (Wash. 1990); Truck Ins. Exch. v. Vanport Homes, Inc., 58 P.3d 276, 28321 84 (Wash. 2002).
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ORDER- 8
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Pursuant to these regulations, “[c]ompelling a first party claimant to initiate or
2 submit to litigation, arbitration, or appraisal to recover amounts due under an insurance
3 policy by offering substantially less than the amounts ultimately recovered in such
4 actions or proceedings” constitutes an unfair practice in the settlement of insurance
5 claims. WAC 284-30-330(7). Washington courts have determined that there is an
6 implied reasonableness requirement in this definition. See Keller v. Allstate Ins. Co., 915
7 P.2d 1140, 1145 (Wash. Ct. App. 1996) (“Admittedly WAC 284-30-330(7) is one of a
8 few subsections that does not explicitly set forth a reasonableness standard. We believe,
9 however, that such a standard is implicit in the above statutes and in WAC 284-3010 330.”); see also Beasley v. State Farm Mut. Auto. Ins. Co., No. C13-1106RSL, 2014 WL
11 1494030, at *5 (W.D. Wash. Apr. 16, 2014). As such, a discrepancy between the
12 settlement offered and the final recovery is insufficient, standing alone, to show that the
13 insurer engaged in an unfair insurance practice. Id.; see also Anderson v. State Farm
14 Mut. Ins. Co., 2 P.3d 1029, 1036 (Wash. Ct. App. 2000). Rather, the issue turns on
15 whether the insurer had a “reasonable justification” for its low settlement offer. Keller,
16 915 P.2d at 1145.
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To determine whether the insurer had a reasonable justification for its offer, the
18 fact-finder must “consider the circumstances and reasoning underlying the original
19 offer.” Am. Mfrs. Mut. Ins. Co. v. Osborn, 17 P.3d 1229, 1236 (Wash. Ct. App. 2001).
20 In general, courts find reasonable justification for low offers when the offers are
21 supported by the medical evidence available to the insurer at the time of the offer. See,
22 e.g., Keller, 915 P.2d at 1145 (finding that the insurer had reasonable justification for its
ORDER- 9
1 settlement offer when, as of the date of the offer, medical evidence supported a
2 conclusion that the plaintiff’s injuries were minor and her damages did not exceed the
3 combination of the insurer’s offer and the underinsured motorist’s policy limit); Beasley,
4 2014 WL 1494030, at *6 (finding that an insurer’s low offer was reasonable because the
5 “offer was based on the information [the insurer] had available at the time and its
6 determination that Plaintiff was partially at fault”). However, “[t]he ultimate issue of the
7 reasonableness of the offer is for the finder of fact to determine.” Anderson, 2 P.3d at
8 1036. Therefore, if a reasonable fact-finder could find that the evidence available to the
9 insurer provided a reasonable justification for the offer, summary judgment in favor of
10 the insured is not appropriate. See, e.g., id. (reversing summary judgment because there
11 was sufficient evidence to support a jury finding that the insurer’s low offer was
12 supported by reasonable justification); Merrill v. Crown Life Ins. Co., No. 13-CV-011013 TOR, 2014 WL 2159266, at *11 (E.D. Wash. May 23, 2014) (denying summary
14 judgment because, although insurer’s low offer forced the plaintiff to file a lawsuit to
15 recover full benefits, “questions of material fact remain concerning the reasonableness of
16 [the insurer’s] conduct”).
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Application to Ms. Schreib’s Claim
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Ms. Schreib argues that American Family’s initial offer of $0.00 for her UIM
19 claim, as well as its last minute offer of $125,000.00, constitute unfair or deceptive trade
20 practices under Washington’s insurance regulations. (See Mot.) The court agrees that
21 the offers of $0.00 and $125,000.00 are “substantially less” than the $1,186,988.00 award
22 that Ms. Schreib ultimately recovered through arbitration, and that therefore American
ORDER- 10
1 Family’s conduct falls within the scope of WAC 284-30-330(7). See, e.g., Morella v.
2 Safeco Ins. Co. of Illinois, No. C12-0672RSL, 2013 WL 1562032, at *3 (W.D. Wash.
3 Apr. 12, 2013) (finding that a settlement offer of $1,500.00 for a claim that was
4 ultimately valued by an arbitrator at $62,000.00 fell within WAC 284-30-330(7)). The
5 critical question, then, is whether American Family had a “reasonable justification” for its
6 low offers. Keller, 915 P.2d at 1145. After examining the record before it, the court
7 concludes that the issue of reasonableness is a material question of fact inappropriate for
8 disposition on a motion for summary judgment. See Anderson, 2 P.3d at 1036.
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For purposes of clarity, the court defines the date of American Family’s first
10 “offer” of $0.00 to be the June, 2012, date on which American Family formally
11 responded to Ms. Schreib’s “settlement demand package” by reiterating its refusal to
12 offer any UIM compensation. (See Am. Fam. 6/19/12 Letter.) At that time, the
13 information available to American Family supporting its conclusion that Ms. Schreib had
14 already been fully compensated included:
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An independent medical examination by a neurosurgeon and a chiropractor
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concluding that no medical treatment after September 2009 was necessary
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and that Ms. Schreib was able to return to work.
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A review by an orthopedic surgeon concluding that Ms. Schreib’s hip
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injury was unrelated to the collision.
A review by a neuropsychologist concluding that Ms. Schreib did not
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sustain a mild traumatic brain injury from the collision.
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ORDER- 11
1 (See IME Rep.; Ortho Review; Neuro Review.) On the other hand, the information
2 available to American Family supporting Ms. Schreib’s claim for benefits included:
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A report finding Ms. Schreib disabled for purposes of Social Security
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benefits.
Various medical records, reports, and billings concerning the evaluations,
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procedures, and physical therapy that Ms. Schreib had undergone,
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including, for example, materials relating to a diagnosis of mild traumatic
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brain injury.
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A vocational assessment concluding that Ms. Schreib was unemployable.
An estimate of Ms. Schreib’s total lost earnings.
11 (See SSA Rep.; Davis 2/9/12 Letter; Job Rep.; Earnings Rep.) As such, American
12 Family’s offer was supported by medical evidence and by the conclusions of multiple
13 medical experts. See Keller, 915 P.2d at 1145; Beasley, 2014 WL 1494030, at *6. Ms.
14 Schreib argues it was unreasonable to offer her $0.00 for her claim when she presented
15 evidence of past medical expenses exceeding $90,000.00 (and therefore exceeding the
16 $75,000.00 offset from her settlement). (See Mot.) American Family, however, relied on
17 recommendations by medical experts that Ms. Schreib’s hip injury and alleged mild
18 traumatic brain injury were not caused by the collision to conclude that the associated
19 medical costs were not recoverable. (See Am. Fam. 6/19/12 Letter.) It may very well be
20 that the medical evidence in Ms. Schreib’s favor outweighs the medical evidence in
21 American Family’s favor. At this stage, however, the court may not weigh the evidence,
22 and “must draw all reasonable inferences in favor of the nonmoving party.” Reeves, 530
ORDER- 12
1 U.S. at 150. Given the record currently before the court, a reasonable juror could find
2 that American Family had a reasonable justification for concluding that Ms. Schreib had
3 already been fully compensated for her injuries. See Merrill, 2014 WL 2159266, at *11;
4 Anderson, 2 P.3d at 1036. As such, summary judgment is inappropriate.
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Turning to the circumstances of American Family’s second offer of $125,000.00,
6 by the eve of the arbitration, the medical evidence supporting both parties’ positions had
7 only multiplied. Ms. Schreib has supplemented her medical records with reports by her
8 counselor, a neurological consultant, and an independent medical examiner, and
9 American Family had consulted a neuropsychological expert, an orthopedic surgeon, a
10 rehabilitation and vocation expert, and an economist. (See Dkt. ## 19-7 through 19-21.)
11 Within this universe of medical facts and testimony, each party could point to substantial
12 evidence supporting its respective position, namely, that Ms. Schreib had suffered a
13 debilitating minor traumatic brain injury from the collision, or that the severity of Ms.
14 Schreib’s injuries could not be attributed to the collision. (See id.) Again, it may be that
15 the balance of this evidence tips in Ms. Schreib’s direction, and therefore American
16 Family should have concluded that she was entitled to a higher settlement offer.
17 However, in light of the medical evidence supporting American Family’s position, the
18 court cannot say that a reasonable juror could not find that American Family’s low offer
19 lacked a reasonable justification. After all, if, as American Family believed, Ms.
20 Schreib’s mild traumatic brain injury was not attributable to the collision, the
21 $125,000.00 offer arguably approached adequate compensation for her remaining
22 injuries. (See Davis 2/9/12 Letter (basing the majority of the claim for benefits on the
ORDER- 13
1 traumatic brain injury).) Moreover, a review of the record suggests that accurately
2 diagnosing mild traumatic brain injuries is not a simple or straight-forward proposition
3 and that the existence and cause of Ms. Schreib’s brain injury was genuinely up for
4 dispute. (Compare, e.g., Dkt. 19-10 (neuropsychological evaluation by Dr. Breen
5 concluding that Ms. Schreib had not suffered a traumatic brain injury) with Dkt. # 19-20
6 (neuropsychological evaluation by Dr. Goodwin summarizing past medical treatment,
7 noting the “difference of opinion regarding whether or not she sustained a mild traumatic
8 brain injury,” and deferring to the viewpoint that Ms. Schreib suffered a brain injury from
9 the collision)). Accordingly, the court concludes that the reasonableness of American
10 Family’s second offer is an outstanding question of material fact. As such, summary
11 judgment at this stage is inappropriate.4 See Liberty Lobby, 477 U.S. at 252 (1986).
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American Family moves, in the alternative, for a continuance under Rule 56(d). (See Resp.)
Under Rule 56(d), if the nonmoving party “shows by affidavit or declaration that, for specified reasons, it
may: (1) defer considering the
19 cannot present facts essential to justify its opposition, the court take discovery; or (3) issue any motion or
deny it; (2) allow time to obtain affidavits or declarations or to
other
appropriate order.” Fed. R. Civ. P. 56(d). “To prevail under this Rule, parties opposing a motion for
20 summary judgment must make (a) a timely application which (b) specifically identifies (c) relevant
information, (d) where there is some basis for believing that the information sought actually exists.”
21 Emp’rs Teamsters Local Nos. 175 & 505 Pension Trust Fund v. Clorox, 353 F.3d 1125, 1129 (9th Cir.
2004). Because the court finds that there are questions of fact on the record currently before the court, the
court denies American Family’s motion for a continuance as moot.
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ORDER- 14
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IV.
CONCLUSION
For the foregoing reasons, the court DENIES Ms. Schreib’s motion for partial
3 summary judgment (Dkt. # 13).
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Dated this 25th day of August, 2014.
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A
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JAMES L. ROBART
United States District Judge
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ORDER- 15
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