Reid-Smith v. Globe Life and Accident Insurance Company, No. 7:2012cv00393 - Document 27 (W.D. Va. 2012)

Court Description: MEMORANDUM OPINION. Signed by Judge Samuel G. Wilson on 12/7/12. (eot)
Download PDF
CLERKS OFFI U, . ST O URT CE S DI . AT ROANOKE, VA FI LED I TH E U NI ED STA TE S D I RI T C O U RT N T ST C DEC 2ï 2 1 22 FOR THE W ESTERN DI STRI OF VI NI J t C. CT RGI A UtA q. R O A N O K E D I ISIO N V M IN N ET R EID -SM IT H , B oep ' Y: . RK U E Ci lA ct on N o.7: vi i 12:v00393 Pl nt f ai i f, M EM ORAN/UM OPI O N NI V. G LO BE L I A N D A C CI EN T FE D I SU R AN CE C O M PAN Y , N By:Sam uelG .W ison l U ni ed St esD i ri Judge t at st ct D efendant. Thi i a aci byMi tRei smih(ç s Smih' a i tdee ntGl Liea s s n ton nne d- t $ . t ' gans fnda obe f nd M ) Ac i n l urnc Co ny(( obe't rcove da esf Gl sr us t pa acam cde t ns a e mpa $ G1 ' o e r mag or obe' ef alo y li ) unde alf i ur ncepolc on he hus nd f lwi hi de t fom pa r a i ca e . Gl r ie ns a iy r ba olo ng s a h r nc e tc nc r obe rmo dt c efom t Cic tCour oft CiyofRoa purua t 28U. C.j1 e ve he as r he rui t he t noke s nt o S. 441 a t sc ur' dv riyj rs ito lTh c s i n w b fr t ec u t nGlb ' moi nfr nd hi o ts iest u id cin. e a e s o eo e h o r o o e s to o j d me to tepla ig p rua tt Fe R. v P.1 () Glb c ne d t a M s S t s u g n n h e dn s u s n o d. Ci. 2 c . o e o tn s h t . mi h' co ant a t documen sat c t t tc mpli , nd he t ta hed o ha ompl nt s ai , how t ti ha arg t r ci t ha t d i ht o es nd he lf i ur nc polc ba e on m a e i ly f s a we si t a i a i f c r ge. The co t ie ns a e i y s d t r a l al e ns r n he pplc ton or ove a ur a e s a gr nt Gl be' m oton. gr e nd a s o s i 1. Ac di t l e ca r or ata he t M s Sr t sc n ai , a l s Aprl27, cor ng o ' di l ec ds ' c d o . nih' orpl nt by t ea t i n t 2007,M r .Sm ih' hus nd,La r nc Sm ih, d be n di nos d w ih s a I pa r a i s t s ba w e e t ha e ag e t t ge V nc e tc c nc r wih e de et ti hadm easa iedt M r Sm ih' lve whih wa û e e t bl ' a e , t vi nc ha t t t sz o . t s i r c s s s c a e. unr ' 1M s Sm ih i aciienofNew Yor andG l i aNe akac por to wih isprncpa plceof . t s tz k obe s br s or ain t t i i l a busne si Oklhoma M s Smih i s ki $55, i c i s n a . . t s ee ng 000 n ompe aor da gesf rbr ac ofconta ta $1 000 ns t y ma o e h r c nd 50, i punii da n tve magesba edon Gl salege i e e sa ne i i si ton'anddei r e s obe' l d û ckls nd glgent nve tgai ' r lbeat mirp ee tto s Aco dngy,h rq ie nsfrdv ri j rs ito p ru n t 28U. C. 1 3 ae se rsnain . c r i l te e urme t o iest u idcin u sa to y S. j 3 2 r s ts i d. a i fe . ( mpl2 -3 , No. - . Ac od n t teatc e BleRi eCa c rCaer c r s o Co . 9 0 ECF 1 1) c r i g o h ta h d u dg n e r e o d , n M a 1 2007,M r Sm ih' a t ndi phys c a d a l ng dicus i w ih bot t pa i n a y 8, . t s te ng ii n ' had o s son t h he te t nd hi w ie ' i l ng t f tt tt nc e tc m a i na i s i vi t lve a e us ly not s f ,' nc udi he ac ha d r a i lg nc e nvol ng he i r r ua l pa c a e. ( urbl ' Compl29 ECF No.1 1) l Se e r2007,M s Smiha idt Gl f ' . -30, - . n ptmbe . t pple o obe or tr lf i ur ebe ft ont lf ofhe hus nd i t amoun of$5 00 Thea i to e m ie ns anc ne is he ie r ba n he t 0, 0. pplcai n a k d:d t ep s 3y as h stePr p s dl u e h do b e te tdf r ()Ca c r. o a y s e (n h a t e r, a h o o e ns rd a r e n rae o : a n e .. r n l die eoft . lve .'( sas he..i r' Compl22,ECFNo.1 1, Ms Smiha weedC ' OnOcobe 5, . - ) . t ns r k ' no. t r 2007,ba ed on t r pr s nt t o m ade i t a i ton,G l is d a polc o he hus nd s he e e e a i ns n he pplca i obe s ue i y n r ba it a n he mountof$50, and o J nua y 5, ,i a o d a a tona $5 0 i co a 000, n a r 2008 t ppr ve n ddii l 00 n ver ge. On Aug t15,2009, s Smih' hus nd di d,a i Oc obe ,M s Sm ih s us M . t s ba e nd n t r . t ough t r ove t o ec r unde hi lf i ur ncepolc r s ie ns a iy.On M a c 1 201 Gl bede e hercai a r s i d t r h , 0, o nid l m nd e cnde he polc ba e on he m ir pr s t tons co di t Gl ha M s Smih dic os her iy s d r se e en a i .Ac r ng o obe, d . t s l ed h ba s t sor ofpanc ea i c nc r' nd ot rm e ca c tons i E oul ha be n us nd' t t y hi r tc a e ' a he di l ondii , t t d ve e w una et a o hi f c r geunde ghe polc ' ( bl o pprve m or ove a r t ) iy. Compl25 ECFNo.1 1) ' . -26, -. l l. Gl c t ndst tM s Sm ih' c obe on e ha . t s ompl i a at c d e biss ant nd ta he xhi t how m ae il tra mirp e e tto ta e ttei t j d me t ntep e dn sp ru n t Rul 1 () Thec u t se rs nains h t n il t o u g n o h la ig u s a t o e 2 c . or a e s a gr nt G l sm o i n. gr e nd a s obe' t o C amoinf r ud me to t ep e dn sma ep ru n t Rue 1 () o l te k on to o j g n n h la ig d u s a t o l 2 c, ny h pla ngsa e c i r d,' S. l Co.v.Bat Typoar phi a Uni n No.1 338F. 1 0, e di r onsde e 'A. Abel l. a cl o 2, 2d 9 1 ( hCi.1 , t co tmus drw a1ra o bl f li e e esi fvoroft 93 4t r 964) and he ur t a l e s na e adua nfr nc n a he nonmovi pa t Se Edwadsv.CivofGol bor 1 F. 231 243- ( h Ci.1 ) ng ry. e r t ds o, 78 3d , 44 4t r 999 (ppl ngt s mesa r i rvi ngaRul 1 c motona iwoul aRul 1 b)6 a yi he a tndad n e ewi e 2() i s t d e 2( () 2 moi .I t r or cla l de nsrt t tflesae nt weema ona a iai fr ton) f he ec d e ry mo taes ha as ttme s r de n pplc ton o i ur nce t c r m ay r s ve t m ir pr e t ton i s asa m a t rofl w . Banne Lie l . ns a , he ou t e ol he s e es n a i s ue te a r f ns Co. Noe,861F.Supp.2d701 a 71 -1l( D. 201 .I t a e eofa iain v. l , t 0 E. Va. 2) n he bs nc pplc to l ngua r qui i a dif r ntc us on,a i tr e c pa ne d notde onsr t t t a ge e rng f e e oncl i n ns lanc om ny e m t a e hat he i ur k i gl m a a f l e r e e a i i hi orhe a i a i orr l t doc e st ns ed now n y de a s epr s nt ton n s r pplc ton e a ed um nt o r c nd a polcy, m us onl de onsr t by c ea pr t tt a i a i c ai d a f l e es i i but t y m ta e l r oof ha he pplc ton ont ne a s st em ent at . Mi La r M u .ns Co. Ha oc 6 F.Supp. 7 707( D. 2009 . nn. wve s t l . v. nc k, 00 2d 02, E. Va. )2 M s Sm ih' exhi t s . t s bis how a l a tt ta ofAprl27, t e s ha s i 2007, rhus he bandha be n d e dig edwihpa r tcc e t twa t a nos t nceai anc r ha s hough t bei ur bl (ndi dha measasze t o nc a e a ndee d t t i d t hi lve) t tt polcya iai a rque tf i r s dc r co ee ltrt t o s i r,ha he i pplc ton nd e s or ncea e oveage mpltd ae ha ye ras d w he he he had be n t e t d f c nc o an di e s ordi or roft lve w ihi a ke t r e r a e or a er r y s a e s de he i r t n t pas t e yea s t tM s Sm ih i r e l a w e ed t the ha notbe n, t tGl he t hr e r , ha . t nco r cty ns r ha d e and ha obe wo d no ha i s d t polc ha i known oft dignoss Unde t cic sa e ,i ul t ve s ue he iy d t he a i. r he r um t nc s t ce ry a pe r ta Glb i e t ldt j d me t ntepla i g . lal p as h t o e s ni e o u g n o h e d n s t 1 11. l a c da e w ih t m e or n c or nc t he m andu o ni e e ed on t sda ...t'* c t ilgr nt m pi on nt r hi y,,..he our w l a e .. e* v. H' . Glb ' moinf r u g n o tep e dng . o es t o j d me t n h la i s o EN TER : e m be 7,201 D ce r 2. .' ,. UNI TED STATES DI STRI J CT UDGE 2Be us net rt e olm e a i ton,no t rques f a to lcove a conti d apr son ca e ihe he nr l nt pplcai r he e t or ddiina r ge, ane ovii t c d q iyM s Smih' a ia i r pons sa tu t t be tofhe knowl ,Gl ma r ci t hat oul ualf . t s pplc ton es e s r e o he s r edge obe y es nd he polc i he sae en swe em e eyf le asoppos dt kno i y fle Se Stri l .Co.v.Da e 1 V a iy f r ttm t r r l as , e o w ngl as . e e lna ns ns v, 95 . 9 3(95 )(ftep o sdi u e ipe itdt q aiyhsa pl ainrs o s sa ben tu o l t teb so 3 1 4 i h rpo e nsrd s nnt o u l i p i to ep n e s ig re ny o h et f e f c hi orherknow l ge t bur i i ea e a t r ponssmus beknowi yf lei or rf t i urrt s ed , he den s ncr s d nd he es e t ngl as n de or he ns e o r s idt ep lc ) Gl b n e o l et b ih t a h rsae n sweei c r e t a d mae il ot ec mp n ' e cn h o iy . o e e d n y sa l h t e ttme t r n o r c , n t ra t h o a y s s de i i n t i s a polc c s o o s ue i y. 3