Bartlett v. Commerce Ins. Co.
Annotate this CasePetitioner Terry Ann Bartlett was injured in a motor vehicle accident in New York in August 2004, when the motorcycle owned and operated by Jeffrey Vilagos on which she was a passenger, was struck by a motor vehicle operated by Myroslaw Mykijewycz. Mykijewycz was insured by Allstate Insurance Company under a policy that provided liability insurance coverage up to $100,000 per person. Vilagos's motorcycle, which was registered and garaged in New Jersey, was insured by respondent Foremost Insurance Company. The Foremost policy was issued in New Jersey and provided uninsured/underinsured motorist (UIM) coverage up to $250,000 per person. Petitioner also owned a motorcycle, which was registered and garaged in New Hampshire, and which was insured by respondent Progressive Northern Insurance Comapny under a policy that also provided UIM coverage up to $250,000 per person. Petitioner's other vehicles, which were both registered and garaged in New Hampshire, were insured by respondent Commerce Insurance Company under a policy that provided UIM coverage up to $250,000 per person. Petitioner's home was also insured by Commerce under a policy that contains a personal umbrella endorsement that provides $1,000,000 of single limited UIM coverage. Petitioner's New York attorney requested coverage information from Foremost, which Foremost provided. In April 2005, petitioner's attorney informed Progressive and Commerce that the petitioner intended to pursue UIM claims. Allstate offered petitioner its policy limit ($100,000). Petitioner's attorney notified Foremost, Progressive and Commerce of this fact and advised the respondent-insurers that, pursuant to New York law, they were either "required to grant [petitioner] permission to collect" the $100,000 from the Allstate policy "or to pay [her] [that] amount] within thirty (30) days." However, the New York law to which the attorney referred did not govern any of the insurers. Only Commerce responded to petitioner's attorney, granting petitioner permission to settle with Allstate. Allstate was thereafter released from liability. Petitioner sued Foremost, Progressive, and Commerce in New York in January 2011, more than six years after the accident. That lawsuit was eventually dismissed. While the insurers' motions to dismiss were pending, petitioner filed the underlying petition in this case for declaratory judgment. She moved, and the insurers cross-moved, for summary judgment. Commerce appealed, and petitioner cross-appealed the Superior Court's order partially granting and partially denying petitioner's summary judgment motion, denying Commerce's cross-motion for summary judgment, and granting cross-motions for summary judgment filed by Foremost and Progressive. Upon review, the Supreme Court affirmed the trial court's determination that petitioner forfeited her right to recover primary insurance coverage under the Foremost policy and her right to recover excess insurance coverage under the Progressive policy and reversed its conclusion that Commerce had to "drop down" to provide primary coverage. The case was remanded for further proceedings.
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