Scottsdale Insurance Company v. Minor Doe, et al, No. 7:2013cv00342 - Document 52 (W.D. Va. 2014)

Court Description: MEMORANDUM OPINION. Signed by District Judge Michael F. Urbanski on 7/29/14. (eot)

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M anges e pl ' m oyert pre o ventt ac sofsexuala e. Specii ly,M anges a Thom as f f he t bus fcal nd ace our c u t i t u eliglws i Co nt -Batr ( n e) Co nt 1-Batr ( h ma, e o da o n s n he nd r n a ut u l tey Ma g s; u 1 y : tey F o s rj n et p JJ:/8; u tI1-Ne l nc ( ma)Co n I - Ne l e ePe S C h ma) v rp Co n 1 gke e Tho s; u t V gi nc t e f o s. g Thom as s it a cli on A ptl22,2013 t Scotsdae r ubm ted am i o t l equesi i ur tng ns ance cover of age t saec ta don.Sc tdaede e t cam a fldt i tntde lrt yj gme a don, he tt our c ots l nid he li nd te he nsa caaor ud nt c nam i M anges,Thom as,and M i ,M ot r,and Fat rD oe asdef ng not he he endant . Scots l cont s t da e ends t t polcy lngua does notcovert al hat he i a ge he legadonsse f t i t D oes s a e cour com pli . t orh n he ' tt t ant Scotsdal al a guest Thom asand M angesf ied t com pl wih t nodce r r ent oft t e so r hat al o y t he equiem s he polcy,and t ,di nots if a condi pr i hus d ats y éon ecedentt cover oft underyi l ui. O n o age he l ng aws t Au t1 2 ,Doea he pa e sa wee a fldac ecqm f de lrt yj me , gus 4, 013 nd r rnt ns rd nd te ountrli or caaor udg nt s ng t esabls t t undetyi com pl ntdoesi f iw oke cover oft polcy. eeki o t ih hat he l ng ai n act t age he i Thom as' a weri uded a sm ia count cl m r s ns ncl i lr er ai eques i a decar i ofcover unde t tng l aton age r he i ur ns ance cont act Scots e s it an ans ert t D oes'count cli on Sept ber5, r . t dal ubm ted w o he er am em 2013 a res nd ponded t Thom as count r m on O ct o ' e cbi obet 8,2013. M angeshasnotfl any ted pl a ngsorm a a a a a e i t s a don a no pa t ha r que t t tt c e k e e e di de ny ppe r nc n hi c nd ry s e sed ha he l t nt r def ta ns li . aul gai t am OnMa c 1 2014 Sc tdaes te t i tntmodonf j rh 7, , ots l ubmitd he nsa orudgme ont pla ngs nt he e di , t yi on isar ent t t polcy l el ng t gum s hat he i anguage doesnotprovi covet ge oft cli sadvanced de a he am i t underyi com pl nt The cour hel a m otonshearng on M a 22,2014 r di n he l ng ai . t d i i y egar ng Sc tdaesmotonf j gme on t pla ngsa wela Sc tdae'mot t srkejz ots l' i or ud nt he e di s l s ots l s bn o ti uy dem and. M eanwhie,Scots e,Thom as,and t D oesha each s it m otonsf s m ar l tdal he ve ubm ted i or um y j me t tdiput is softmeynotc c eni Thoma ' l oft i urnc cam a udg nt ha s e sue i l ie onc r ng s fi ng he ns a e li nd Scots l s de aloft cli . Thos Rul 56 m otonsa e notcur enty bef e t cour . t da e' ni he am e e i r t l or he t lI. The fts i ue t i cur enty bef t colr i whet t cour s d exer s l t ss hat s r l ore he zt s her he t houl cie j ididonove t smatrz Unde t Delrt yl gme Ac, dititc zti ac s or urs c t hi te. r he caaor ud nt ta stc olr n ae c r ryot r s wihi isj ididon,Q ydelr t rght a ot rlga rldonsofa ontoves hewie t n t urs c z mq cae he i s nd he e l ea ny itr se pat s e igs c d caain' 2 U.. j2 0 (mp ssa d d . Ac o dn l,h n eetd ry ekn u h e lr t . 8 SC, 2 1 e hai d e lS c r igy t e o ' c ttsj ididono rt satoni dice r .Na lusI .Co. W i hettHome.nc,1 otr' urs c ve hi ci s srdonay utl ns v. nc se ' sI . 5 F.d3 1 3 5(t Ci. 9 4 .Delrt r jd me tsus l a p o raewh nt er q se 3 7 , 7 4h t 1 9 ) caao y u g n i ual p r p it e h e uetd y decl aton f ilse a us ulpurpos i cl i yng and s ti t lgalrel ar i < l rve ef w e n arf i etlng he e adonsi is and . . n s ue, . whe i w tlt m i e and af or r i fom t uncet ni y,i ecurt and cont ovet y gi ng ts n t ' er nat t f d elef r he t nt ns iy, t s vi ie t t pr e di ' Aer Ca. Sur Co. Quals 9 F. 321 3 ( hCi.1 7 .Howe r o he oc e ng. tm s& . v. re, 2 2d , 25 4t t 93 ) ' ve, wheet de lrtr j me a toni die tyas itdwihape ngsaelwsttt c tt t he caao y udg nt ci s rcl socae t ndi tt a ti,he otr mus as tkei oa c d onsdea offdeaim,ehce y a c t i de ii t lo a nt c ount f i r dons e rls f inc , nd omif'n cdng c wheh rt e trant st.Na tu , 5F.da 3 6(iigMi h s nv Hars 9 5F.d2 5 te o n eti he tt ui s 1 3 t 7 ct i l n t eo . ri, 5 2 3 , c 2 74 (t Ci. 9 2) o tfco sadi ti b ln igts: 3 - 1 4h z 1 9 ).F u a t t i n hs aa cn et ( t srnghoft saesi e eti ha ngt is srie i t i he te t he tt' ntr s n vi he sue asd n he ) f a decl at acdon deci i t st ecolrt eder l ar ory ded n he at z s; $)wheh rteis e rie i t fd rl c o c nmo ee f inl te h su s as d n he e ea a d n a r fi e t c y be r ol i t courti w li t s a e acton i pendi es ved n he n lch he t t i s ng; ti whehe pemitngt fdea a i t g f wadwoul r s t ii t r t ti he e rl cton o o or r l d eul i unneces ry fent e ent'bet n sa t angl m ' ween t f al a sat cotr he edet nd t e tt s em s beca e of t pres yst , us he ence of fovera ng is of f ot f lppi s ues act lw ';and a 7 ( )wheh rted caao yjd me t cin i b igusdmeeya a i v te h e lrtr u g n a t s en e rl s o devi f fprocedur f ng'- t i ,Tt pr de anot f z ce or i al enci ' hat s fo ovi her ortm i a t f rsyùdiat 'or tt ac eve a f alhearng i a case n ace ot e c a' fo hi eder i n ot wi e notr ovabl ' her s em e.' 2 nop ryh sobetdt t c ut jrs ié no e ti a t n t c t rie t s c n e sajot. As at a jce o he o r' u idc o v r hs ci ,he out asshee o cms u p ne s o 3 e alblyi ue fe ad caao yjd me t cina ansisn le a datidp rywi atr c m aan t Wh n i it nsrrt s elrtr u g n a t g i ttisz d n hr at t o t bi gis a i l o r h t i ur d a s e t e tbhs t tt unde l ng ca m i notc r d by t diput d pol y, < c e ofa tz l he ns e nd e ks o sa h ha he ryi li s ove e he s e i Ta as c c ta c n r v ry'sp ee .S eMaya d Ca . . . c Co l Oi Co, 1 U.. 7 , 7 (9 1.Ad io l , o to e s 'i r snt e r ln s Co v Pa . a & l .3 2 S 2 0 2 3 1 4 ) dd nal y ac rigt t c mpan frd caao yjd me tS otd l i a Ohoc r rd nwihispi ia paeof c odn o he o lit o elrtr u g n, c tsae s n i opoa o t t r p l lc nc busne si Sc tdae Arz ,a ea h oft de e nt i a ctze oft Com m onwe lh ofVig ri. Bec us t i s n ots l , i ona nd c he f nda s s ii n he at r ila a e he p r e aec mpeeydv re a dtea t i c nrv rye ce s$ 50 0 tec utsuidc o o e timatri aé s r o ltl ies,n h momtn o to es x ed 7 ,0 ,h o r'jrsié n v r hs te s pop rp rua t 8U... 1 3 . r e us n 2 SC j 3 2 I at377. d. 4 l a yigt s g dei st t cs a ba,t c tf t te riil j sl do n ppl n hee ui lne o he a e t r he our mds ha xecstg t cc n ui i overt sdecl at acton i appr i e.Fi s , igm l si er i ha ng t pa i zatis hi ar ory i s oprat r t V t ' ' nt est n vi he rtcll s ues a' r sed i t sacdon deci i' sat colt i nots fci l com pelng t f vorabsendon. A fer ai n hi ded t t e z t s l ufi enty li o a t t t oughl re ewi t ar e s,t courtdoesnotbeleve t t pat 'diput pr ent hor y vi ng he gum nt he i hat he des s es es unstldorovel c mplxque donsofsaelw.Se i a 3 (e rlc uts da ti t y ete ty o e s tt a e i t 78 fdea ot houl bsnn f onl whe t q tonsofsae1w ivove aedifc tc e oruns tld' . n he uesi tt a n l d r fiul, omplx, ete ' ) S c j ca e onomyweghsonfvorofe t ii j iditonove t sdelrtr e ond,udiil c i a xecsng urs ci t hi caao y a cdon. I e l tng e l i nc co e ns t cou tprm a l f us son ' he he t que donsi n vaua i fk e y nc r , he r i rl oc e ' y f t r he s w n cont rovet y bet n t par t t f alstt..can beterbe s ted i t pt s wee he des o he eder ti . t etl n he oceedi t a ngs hat re ara pe lngi t saec z '1 ( i Brlbatv. e sI . ofAm.316U. 491 ledy nfi n he tt out' d.quotng il r Exc s ns Co. , S. , 4 (9 ).Hee Sc tdaei notapat t t saec tlwstta i i unceri is 95 1 42) r , ots l s ry o he tt our a ti nd t s la ft i er nt vendon i t acton i possbl att ssage. Even i i erventon w e pos i e,t cont act n hat i s i e hi t f nt i re sbl he t diput atcent s a i t scour ar i dent lt t t tcl m sadvanced i s at cour . W hie s es er t ge n hi t e nci a o he or ai n te t l r at t tvo diput r s se tat ques i of1w and f tand cons i i t acdonsi o el ed, he a s es aie pa e tons a ac oldatng he nt one woul notai efi entres uton ofeiherm ater d d fci ol i t t . Thid,e a e ntoflga a fcua quesi bewe nt t lwstt i notofmao r ntnglme e l nd a t l tons t e he wo a tis s jr concer Thebul ofScots e' com pl ntr sesques n. k t dal s ai ai dons oflw r di cont act a egar ng t itmr tt n.S eAESCo . . ta fs l s Co, 8 Va 6 9 6 6 1 , 2 SE.d5 2 5 5 (0 2 ne eai e o m v Se d at n . .2 3 . 0 , 1 -7 7 5 . 2 3 , 3 2 1 ) rg nl t alg donsi t c anta t pr ii oft i urnc polc aet be tq y he le a n he ompli nd he ovsons he ns a e iy t o cons de ed i decci w het t e i a dut on t par oft i ur t def and i i r n ilng her her s y he t he ns er o end ndem niy f 4 teFo rhCicz h sn td,flesc o o Na tusn ovn tea p l t sa d r so rve wa o er ldby Ash ut rlt a oe fth e é n f ui iv lig h p el e tn ad f e iw s v rue i l l a teS p e Co ri Wio v S v nF l Co.5 5U,. 7 1 5SCt2 3 , 3 L.d2 2 4(9 5.Ho v rte h u rme utn l n . e e al , 1 S 27 , 1 . . 1 7 1 2 E .d 1 1 9) we e,h t s fcor aécltdwhc g ietecsrc c ut e ecs o dsrt ni ad caao jd me t c nrman a t s r uae ih ad h l t t o r' x rie f icei n elrtc u g n ado e i ii s o a pia l. si La esMu.n . . . o el Te So t Kru LLP, 5 F. px6 8 6 9(0 9. p l be' lt c ' m. r tI sCo v Antn l r tu & a s i 3 5 Ap ' 9 , 9 2 0 ) t i urd'.W hae tis soffc t tma berie byt pate' ieagu nt ae he ns e ' ) tve sue a t ha y as d he risnotc r me s t unlkel t ha a s t ilefecton t unde l ' g l ui. i y o ve ubsanta f he rym aws t Las l not ng i cat t Scots e fl ttsszti t guie of<procedlr f ng.' ty, hi ndi es hat t dal ted li li n he s t zal enci ' D iput bet s es ween an i ur and isi ur overt ext oft i ur scover at ofe ns er t ns ed he ent he ns ed' age e t n s ted i decl at y actonsbecaus t ar pari a l appropra e f eaty r udon,s etl n ar or i e hey e tculty i t or l esol ee N autl .15 F. at380,and s i t stz i here. The a ence ofpr ius 3d uch s he iaaton bs ocedur gam es ans p i al m hi s f t rsppore byt fc t nopat ha objce t t c tsjtiditonove t smatr urhe u td he a that ry s e td o he our' trs ci r hi te. Fort e r ons t cour w ilnotabs nl fom hearng t scas hes eas , he t l t' r n i hi e. 11 1, Thec tno t nst Sc tdaesmotonf j our w ut o ots l' i orudgme ont pla n .Rul 1 c nt he e digs e 2() pr de t ttafe t pla ngsaecosd bute zye hnott dea til apa t ma ovi s ha d jtr he e li r l e l al noug o ly ra ry y mo efrjd me t n tepe dn s'Fe . Ci P. 2c.Hee t pla ig aen t ls d v o u g n o h la ig . d R. v. 1 () r,he e dn s t o co e ' be a e de e ntM a sha notfl d a a we t S ot s l ' c pli a no pa t ha c us f nda nge s te n ns t o c t da es om a nt nd ry s rquese t tdefulj me bee ee a i thi Theeor,atme unde Rul 1 c i not e td ha a tudg nt ntrd gans m. rf e e dy t e 2() s a ia e.Se Doev. lt Sae , 9F.d 1 58,1 ( h Ci. )(t 'motonf valbl e Uried tts 41 3 0 061 9t t2005 f s i or Doe j udgme ont pla i wa fldbeor t govenme flda a we. codi y, ' nt he e dngs s te f e he r nt le n ns r Ac r ngl Does motonwa prmaur a s ul ha be ndele '; i s e t e nd ho d ve e tid.) Dunn- s v.PM ora ChaeBa ' Maon . I g n s nk Na. sn 1 - 1 4 9 2 3W L 4 8 6 6 a + ( D. c Au . 3 2 1 )(e yn 1 () tAs', 1CV- 3 1 , 01 0 4 7 , t 1 E. Mih. g 1 , 0 3 d n ig 2c motonwheeoneoftvodee nt ha notye fldar ponsvepla ng ; z lv.S r Le i r a fnda s d t te es i e di ) Miel aa e Lp -CI A.2: CV12 2 WL 1 05 a * ( D. .('nt sc s,t dee ntha y t zp. V. 05 , 9, 005 668 6, t 2 E. Va) tI hi ae he fnda s e t fl a a we t t pbi ifsc anta t r fr t pla ngsaenotcos d.) ald,158 o le n ns t o he ntf ompli , nd heeo e he e di r l e ', f' ' F. x424( hCi. 05 ; a Ove Bulv. eu ofI a Afar, F.S 36 367 App' 4t r20 ) Stnds r l Bura ndin fis 442 upp. 0, (3. o .19 )( r mul edee nt ha notf da west pli fsc antt c ur 1 M nt 77 whee dpl fnda s d ze ns t o andf ompli he o t de e a1 c modona prmaut) s eas 5 ChalsAlnW rg & ArhurR. le, dea nid 2() s e t e; e lo C re a iht t Milr Fe rl Prciea Pr d ej1 (de 20 )(fl pr tc us f t pli fi ac ei a tc nd oce ur 367 3 d. 04 trlhe ope ot e or he andf n as n whih t defnda fist a we i t mo f adea tj gme unde Rul 55rt rt n c he e nt al o ns r s o ve or ful ud nt r e ahe ha se aj e k udgme ont plalngs'. nt he e ti .) ' Gi n t pr d a pos't oft c s, e1 c doe notpr dea a nuef t ve he oce url t e he ae Rul 2() s u ovi n ve or he courtt reac t m e isoft diput A ss o h he tt he s e. uch,t cour wileval e aloft a gum ent r s he t l uat l he r s aied i c n e t nwiht Rue1 c mo na t es mmayjd me tsa e n o n ci t he l 2() éo t h u r u g n tg . o I . V Fott s r aons Sc tdaesmodonf j me ont pla ngsi DEN I he e e s , ots l' oz udg nt he e di s ED. A n appt i e O r wilbe e er oprat der l nt ed. E te: L' -u- - fj ne d s- pq t r l 4/- -2., . #/ , Mi chaelF.U t ki bans Unie SttsDitit udge td ae src l

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