Carter v. Huntington
Annotate this CaseAs part of the requirements of refinancing his home loan, Maurice Carter purchased lender's coverage title insurance from Huntington Title & Escrow. On behalf of a putative class of similarly situated persons, Carter alleged in a complaint filed in the circuit court that he was entitled to a reduced policy reissue rate, as mandated by the Maryland Insurance Administration (MIA), rather than the original issue rate actually charged. Huntington filed a motion to dismiss, arguing that the MIA was invested with primary jurisdiction over Carter's claim, such that Carter must pursue his claim initially in an administrative, rather than judicial, forum. The circuit court granted Huntington's motion and dismissed the case. The Court of Appeals issued a writ of certiorari and vacated the judgment of the circuit court, concluding that (1) the MIA possessed primary jurisdiction over Carter's claim, and, consequently, Carter must seek relief initially through the administrative process; and (2) the circuit court should stay the case pending the outcome of any administrative proceeding rather than relinquishing jurisdiction by dismissing Carter's case.
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