Tilton v. Cockfield

Annotate this Case

Download PDF

[Cite as Tilton v. Cockfield, 2002-Ohio-6808.] COURT OF APPEALS OF OHIO, EIGHTH DISTRICT COUNTY OF CUYAHOGA NO. 80333 DELORES TILTON, ADMRX., ET AL., Plaintiffs-Appellees vs. KIANNA Y. COCKFIELD, ET AL., Defendants-Appellants DATE OF ANNOUNCEMENT OF DECISION : : : : : : : : : : JOURNAL ENTRY and OPINION : DECEMBER 12, 2002 CHARACTER OF PROCEEDING: : : : Civil appeal from Common Pleas Court Case No. 418292 JUDGMENT : REVERSED. DATE OF JOURNALIZATION : APPEARANCES: For plaintiffs-appellees: Douglas S. Roberts, Esq. CLARK, PERDUE, ROBERTS & SCOTT 471 East Broad Street, Suite 1400 Columbus, Ohio 43215 For defendant-appellant, American Guarantee & Liability Insurance Company: Erin Stottlemyer Gold, Esq. REMINGER & REMINGER CO., L.P.A. 1400 Midland Building 101 Prospect Avenue, West Cleveland, Ohio 44115 For defendant-appellant, Progressive Corporation: Martin J. Murphy, Esq. Richard M. Garner, Esq. DAVIS & YOUNG CO., L.P.A. 1700 Midland Building 101 Prospect Avenue, West Cleveland, Ohio 44115 MICHAEL J. CORRIGAN, J.: I. {¶1} Defendant-appellant American Guarantee & Liability Insurance Company ( American Guarantee ) appeals the trial court s order that, in relevant part, granted the appellees motion for summary judgment. The appellees, Delores Tilton, et al., sought recovery after Tilton s daughter ( decedent ) was killed in an automobile accident. The trial court overruled American Guarantee s request for a declaration that the decedent was not entitled to coverage under the insurance policy at issue. We reverse the trial court s order because we hold that the trial court erred by denying American Guarantee s motion for summary judgment. II. {¶2} This matter began when Delores Tilton brought suit as the administratrix of the estate of the decedent, who was killed while a passenger on personal business in her own car. The appellees seek to recover from the driver, Kianna Cockfield, and from American Guarantee, who held an excess/umbrella insurance policy for the decedent s employer Progressive. {¶3} American Guarantee concedes that uninsured and underinsured motorist ( UM/UIM ) coverage does apply here by operation of law, but argues that decedent is not entitled to UM/UIM coverage because she was not an insured under the policy in the first place. The policy, in relevant part, defines an insured as your employees except with respect to any (i) auto, or (ii) mobile equipment[.] The appellees counter that the decedent was covered under the policy and rely on the Supreme Court s holding in Scott- 3 Pontzer v. Liberty Mut. Fire Ins. Co. (1999), 85 Ohio St.3d 660, for their argument that, [b]ecause there was no definition of who was an insured for purposes of underinsured motorists coverage, coverage [should] exist[] for all of the company s employees. In other words, the appellees argue that the definition of an insured in the policy is trumped by the automatic application of UM/UIM coverage, which, they argue, turns all employees into insureds. {¶4} American Guarantee appeals the trial court s declaration that coverage does exist here and brings the following assignment of error: {¶5} The trial court erred by granting summary judgment in favor of Appellees where neither the decedent nor her wrongful death beneficiaries were insureds under the excess policy of insurance issued by Appellant American Guarantee and therefore were not entitled to underinsured motorist benefits. III. {¶6} When a trial court disposes of a declaratory judgment action by summary judgment, we review the trial court s resolution of the legal issues de novo. Shimola v. City of Westlake (Sept. 14, 2000), Cuyahoga App. No. 75164. Here, we must decide whether the insurance policy provides coverage for the decedent. Specifically, we must decide whether the decedent is an insured under the policy. For the reasons set forth below, we find that the decedent is not an insured under the policy and therefore is not entitled to coverage under the policy. {¶7} Because the decedent does not fit within the policy s definition of an insured, the appellees argue that the application of UM/UIM coverage by operation of law 4 (pursuant to R.C. 3937.18) renders all employees insureds under the policy. The appellees, however, misconstrue the Supreme Court s holding in Scott-Pontzer in reaching this conclusion. {¶8} In Scott-Pontzer, the Supreme Court did not create a class of insureds; the court held that UM/UIM coverage applied to those insured under the contract. Specifically, 1 the court, after first finding Pontzer to be an insured, held that, because there was no written, signed offer and rejection of UM/UIM coverage in the excess liability policy, UM/UIM coverage was included by operation of law. The court then concluded that the policy s scope of employment restriction applied only to excess liability coverage and not to the UM/UIM coverage, since the UM/UIM coverage did not contain such a restriction. The court explained that any language in the *** policy restricting insurance coverage was intended to apply solely to excess liability coverage and not for purposes of underinsured motorist coverage. Scott-Pontzer at 666. (Emphasis sic.) {¶9} In other words, the court held that the provision in the policy that limited coverage to those insureds acting within the scope of their employment did not apply to the UM/UIM coverage. The UM/UIM coverage therefore applied without restriction to all 1 We acknowledge that the court stated that the policy did not contain an uninsured motorist coverage form that defined insureds for purposes of underinsured motorist coverage. The court, however, made clear at the beginning of its opinion that, If we find Pontzer was not an insured under the policies, then our inquiry is at an end. ScottPontzer at 662. The court finished that part of its analysis: we conclude that Pontzer, as an employee of [the insured employer], was also an insured under [the employer s] umbrella/excess insurance policy and that said policy includes underinsured motorist coverage, as such coverage is mandated by operation of law. Id. at 665 (emphasis added). 5 insureds under the policy. Only the excess liability coverage was restricted to insureds acting within the scope of their employment. {¶10} Here, the question is not whether the automatic application of UM/UIM coverage negates any restrictions in the existing policy, but whether the inclusion of UM/UIM coverage turns non-insureds into insureds. Again, the policy includes as insureds employees except with respect to any *** auto[.] Therefore, employees with respect to any *** auto are not insureds under the policy. While the automatic inclusion of UM/UIM coverage in a policy may, according to Scott-Pontzer, determine the nature of such coverage, that inclusion does not determine who is an insured under a policy. Here, employees with respect to any auto are not covered under the policy at issue regardless of whether UM/UIM coverage applies. Because employees with respect to any *** auto are not insureds under this policy, the decedent is not an insured under this policy, a fact which is not altered by the automatic application of UM/UIM coverage. {¶11} Simply put, the decedent did not have an insurance policy with--or, in other words, was not an insured of--American Guarantee. The UM/UIM benefits apply to American Guarantee s insureds only. IV. {¶12} We therefore reverse the trial court s order. We hold that the decedent is not an insured under the policy and that therefore any coverage under the policy does not apply to her. We further hold that the automatic application of UM/UIM coverage does not turn non-insureds into insureds under the policy. {¶13} Judgment reversed. [Cite as Tilton v. Cockfield, 2002-Ohio-6808.] This cause is reversed for proceedings consistent with this opinion. It is, therefore, ordered that said appellants recover of said appellees its costs herein taxed. It is ordered that a special mandate be sent to said court to carry this judgment into execution. A certified copy of this entry shall constitute the mandate pursuant to Rule 27 of the Rules of Appellate Procedure. MICHAEL J. CORRIGAN JUDGE KENNETH A. ROCCO, P.J., CONCURS. DIANE KARPINSKI, J., DISSENTS WITH SEPARATE OPINION. 7 N.B. This entry is an announcement of the court's decision. See App.R. 22(B), 22(D) and 26(A); Loc.App.R. 22. This decision will be journalized and will become the judgment and order of the court pursuant to App.R.22(E) unless a motion for reconsideration with supporting brief, per App.R. 26(A), is filed within ten (10) days of the announcement of the court's decision. The time period for review by the Supreme Court of Ohio shall begin to run upon the journalization of this court's announcement of decision by the clerk per App.R. 22(E). See, also, S.Ct.Prac.R. II, Section 2(A)(1). KARPINSKI, J., DISSENTING: {¶14} Respectfully, I dissent because this court does not have jurisdiction for lack of a final appealable order. Contrary to the majority s recitation of facts in this case, the only facts I find pertinent to this appeal are the following. {¶15} As beneficiaries to the estate of decedent, Williams, plaintiffs filed suit against each of the defendants. In the 8 complaint, plaintiffs present several claims, including negligence against Cockfield, and requests for a declaratory regarding each of the defendant insurance companies. judgment Beyond their requests that Williams be deemed an insured under each of the insurance policies, plaintiffs also seek from all the defendants monetary damages relating to loss of support from the reasonably expected earning capacity of the decedent; loss of services; loss of companionship and society; loss of consortium; mental anguish; and medical, burial, and funeral expenses. Each of the plaintiffs specifically prayed for damages against Cockfield in an amount in excess of $25,000, plus costs. Plaintiffs further requested that the Court declare that they are insureds under the policy of insurance referred to in Count Nine and that said insurance covers the losses described in the earlier counts. Plaintiffs demanded reasonable attorney fees on all declaratory counts. Plaintiffs complaint. {¶16} Plaintiffs and defendant filed motions for summary judgment and on September 5, 2001, the trial court entered two orders. The first follows: PLAINTIFFS MOTION FOR SUMMARY JUDGMENT (FILED 6/8/01) IS GRANTED. DEFENDANT PROGRESSIVE MAX COMPANY S MOTION FOR SUMMARY JUDGMENT (FILED 6/11/01) IS DENIED. DEFENDANT AMERICAN GUARANTEE AND LIABILITY INSURANCE COMPANY S MOTION FOR SUMMARY JUDGMENT (FILED 6/11/01) IS GRANTED IN PART AND DENIED AS TO THE REST. THIS COURT HEREBY FINDS AND DECLARES THAT 9 JENNY WILLIAMS WAS AN INSURED UNDER THE PROGRESSIVE MAX INSURANCE POLICY AND THE AMERICAN GUARANTEE AND LIABILITY UMBRELLA POLICY. THIS COURT ALSO FINDS THAT THE AMERICAN GUARANTEE POLICY IS EXCESS TO ALL UNDERLYING INSURANCE AS A MATTER OF LAW. The other order concluded: THERE IS NO JUST CAUSE FOR DELAY. {¶17} The next day, the trial court entered its last order: CAPTIONED CASE IS HEREBY REFERRED TO MEDIATION WITH THE COURT MEDIATOR. HEARING SET FOR 9/18/01 AT 10:00 A.M. Defendant s appeal followed the court s last entry. {¶18} In the case at bar, I disagree with the majority because it prematurely reaches the merits of defendant s claimed error and ignores that this court lacks jurisdiction to consider this appeal. As a matter of proper appellate review, the jurisdictional question must be answered first. {¶19} Section 3(B)(2), Article IV of the Ohio Constitution governs the limited subject matter jurisdiction of Ohio appellate courts specifically providing in part: {¶20} Courts of appeals shall have such jurisdiction as may be provided by law to review and affirm, modify, or reverse judgments or final orders of the courts of record inferior to the court of appeals within the district ***. Bautista v. Kolis (2001), 142 Ohio App. 3d 169, 172, 754 N.E.2d 820. {¶21} An order of an inferior court is a final, appealable order only if the requirements of R.C. 2505.02 and Civ.R. 54(B), if 10 applicable, are met. Bautista, supra citing Chef Italiano Corp. v. Kent State University (1989), 44 Ohio St.3d 86, 541 N.E.2d 64. If an order is not final and appealable, then an appellate court has no jurisdiction to review the matter and the appeal must be dismissed. Bautista, supra citing Davison v. Rini (1996), 115 Ohio App.3d 688, 692, 686 N.E.2d 278. Even if the jurisdictional issue is to not raised by the parties an appeal, this nonetheless, required to raise it on its own motion. court is, Bautista, supra. {¶22} In the case at bar, the trial court s order deciding the coverage issue on summary judgment is not a final appealable order. It does not decide the amount of damages1 or whether attorney fees are warranted. {¶23} R.C. 2505.02(B) sets forth five categories of final appealable orders: {¶24} (1) An order that affects a substantial right in an action that in effect determines the action and prevents a judgment; {¶25} (2) An order that affects a substantial right made in a special proceeding or upon a summary application in an action after judgment; 1 There is an additional task. Because plaintiffs settled with Cockfield and Progressive Preferred, their total damage recovery under defendant s policy will have to be set-off by these previous settlement amounts. 11 {¶26} (3) An order that vacates or sets aside a judgment or grants a new trial; {¶27} (4) An order that grants or denies a provisional remedy and to which both of the following apply: {¶28} (a) The order in effect determines the action with respect to the provisional remedy and prevents a judgment in the action in favor of the appealing party with respect to the provisional remedy. {¶29} (b) meaningful or The appealing effective party remedy by would an not appeal be afforded following a final judgment as to all proceedings, issues, claims, and parties in the action. {¶30} (5) An order that determines that an action may or may not be maintained as a class action. {¶31} In this case, it is clear that the trial court's order is not an order that vacates or sets aside a judgment or grants a new trial. It is also clear that it is not an order that determines that an action may or may not be maintained as a class action. Therefore, R.C. 2505.02(B)(3) and (5) do not apply. Nor is the trial court's order an order concerning a provisional remedy,2 2 A provisional remedy arises from a proceeding ancillary to an action, including, but not limited to, a proceeding for a preliminary injunction, attachment, discovery of privileged matter, or suppression of evidence. R.C. 2505.02(A)(4). 12 because the order involves decisions on the parties motions for summary judgment. {¶32} Consideration of a summary judgment motion is not an ancillary proceeding. Summary judgment can be fully determinative of the issues before the court, and by its very terms, the trial court can grant final judgment on any or all pending claims. Therefore, the consideration of an issue by means of a summary judgment proceeding cannot be ancillary to the action. Dresser Industries, Inc. (1999), 134 Ohio App.3d Bishop v. 321, 324, 730 N.E.2d 1079. {¶33} The granting of summary judgment is potentially determinative of the entire litigation. Therefore, it cannot be, by definition, an ancillary proceeding or a provisional remedy. Therefore, R.C. 2505.02(B)(4) is not applicable. {¶34} Nor does (B)(5) apply. The trial court's order is also not an order that affects a substantial right made in a special proceeding judgment. or upon a summary application Special proceeding in an action after means an action or proceeding that is specially created by statute and that prior to 1853 was not denoted as an action at law or a suit in equity. R.C. 2505.02(A)(2). "Orders that are entered in actions that were recognized at common law or in equity and were not specially created by statute are not orders entered in special proceedings pursuant to R.C. 2505.02." Bautista, supra at 173; Polikoff v. 13 Adam (1993), 67 Ohio St.3d 100, 616 N.E.2d 213, syllabus; Hayes v. White (Dec. 3, 2001), Columbiana App. No. 01C011, 2001 Ohio App. LEXIS 5467. {¶35} The underlying action in the case at bar is a wrongful death claim, which is an 2125.01. action for money damages under R.C. The Supreme Court of Ohio has specifically addressed whether such an action is a special proceeding. The Court in Stevens v. Ackman (2001), 91 Ohio St.3d 182, 743 N.E.2d 901 held as follows: This provision [R.C. 2125] does not specially create an action or proceeding that was not recognized at common law or in equity within the meaning of Polikoff or of R.C. 2505.02(A)(2). The Court explained that the statute does not provide for a remedy to be sought through an original application to a court for a judgment or an order (Ely, 56 Ohio St. at 407, 47 N.E. at 538), it does not authorize a special application to a court to enforce a right (Schuster, 84 Minn. at 407, 87 N. W. at 1015), and it does not provide for what is essentially an independent judicial inquiry (Wyckoff, 166 Ohio St. at 538, 2 Ohio Op.2d at 260, 142 N.E. 2d at 664). {¶36} The Supreme Court also gave a second separate reason: R.C. 2505.02(A)(2) requires that for a proceeding to be special, it must be one that prior to 1853 was not denoted as an action at law or a suit in equity. Ohio s first wrongful-death statute *** was enacted in 1851. *** Today s wrongful-death statute contains 14 the essential concluded that provisions the of precise the 1851 statutory statute. The definition of Court special proceeding is not met for that reason. {¶37} Typically, a summary judgment order declaring a plaintiff s entitlement to uninsured/underinsured motorist coverage is held to affect a substantial right of the insurance company and would, therefore, meet the requirement for a final appealable order under the statute. Stover v. State Farm Ins. Co. (1998), 127 Ohio App. 3d 590, 593, 713 N.E.2d 505. {¶38} However, " it is only the underlying action that is to be examined to determine whether an order was entered in a special proceeding, and not the order itself which was entered within that action. Walters v. Enrichment Center of Wishing Well, Inc. (1997), 78 Ohio St.3d 118, 123, 676 N.E.2d 890. Bautista, supra. {¶39} As in Bautista and Indiana Ins. Co. v. Carnegie Constr., Co. (1993), 91 Ohio App.3d 286, 632 N.E.2d 579, the case at bar, along with the proceeding from whence it sprang, [is] not in form one created by statute, but merely a bifurcated proceeding to determine insurance coverage issues in a garden variety common-law subrogation/negligence/contract action. {¶40} In Indiana, the trial court Indiana, supra at 290. conducted a bifurcated proceeding to determine insurance coverage issues in a common-law action by an insurer for subrogation, negligence, and breach of contract against a contractor that claimed to be insured under 15 their policy. The court noted that the proceeding was not a "special proceeding" because, despite the contractor's attempt to characterize the proceeding as a declaratory judgment action, it was not an action specially created by statute. {¶41} The trial court s order in the present case does not fit under R.C. 2505.02(B)(1), because it does not affect a substantial right in an action which determines the action and prevents a judgment. R.C. 2505.02(A)(1) defines substantial right as a right that the United States Constitution, the Ohio Constitution, a statute, the common law, or a rule of procedure entitles a person to enforce or protect. {¶42} In State ex rel. White v. Cuyahoga Metro. Hous. Auth. (1997), 79 Ohio St.3d 543, 546, 684 N.E.2d 72, the Ohio Supreme Court acknowledged the general rule that "orders determining liability in the plaintiffs' *** favor and deferring the issue of damages are not final appealable orders under R.C. 2505.02 because they do not determine the action or prevent a judgment. See also Allen v. Johnson, 2002 Ohio 3404, 2002 Ohio App. LEXIS 3477; Hartley v. Givens (15, 1999), Cuyahoga App. No. 74739, 1999 Ohio App. LEXIS 3316. {¶43} Further, if attorney fees are requested, as is the case here, the issue of whether to award such fees and in what amount must be resolved before an appeal is taken. final appealable order. Otherwise, there is no Lawson v. Lawson, Lawrence App. No. 16 01CA31, 2002 Ohio App. LEXIS 331; Ft. Frye Teachers Assn. et al., v. Ft. Frye Local School Dist. Bd. of Ed. (1993), 87 Ohio App.3d 840, 623 N.E.2d 232; Dayton Women's Health Ctr., Inc. v. Enix (1993), 86 Ohio App.3d 777, 621 N.E.2d 1262. {¶44} The underlying action in this appeal is much like the hybrid cases addressed in Bautista, supra, State ex rel. White, supra, and Indiana, supra, because it not only requests a declaration of insurance coverage but also seeks a determination and award of damages and attorney fees. determines only that Williams is coverage under defendant s policy. an The trial court s order insured and entitled to The trial court s order not only leaves open for future determination the exact amount of damages plaintiffs will receive, but also fails to include a decision on the attorney fees request. I underscore the fact that after the court ruled on the motions for summary judgment, it referred the case to mediation, thus acknowledging that the issues relating to plaintiffs damages/fees remained outstanding. As such, the trial court s entry/order is merely interlocutory and not a final appealable order. {¶45} Because the trial court s order in the case at bar does not satisfy any condition set forth in R.C. 2505.02(B)(1)-(5), it is not, therefore, a final appealable order. {¶46} The trial court s order also fails as a final appealable order under this court s previous decision in Hall v. Strzelecki, 17 Cuyahoga App. No. 80097, 2002 Ohio App. LEXIS 2284, in which it was held that in determining insurance coverage, the court must do more than state that a party is or is not entitled to insurance coverage. In Strzelecki, supra, the trial court s order was virtually identical to the one in the case at bar in that it too failed to determine anything beyond the fact that plaintiff was an insured under his employer s policy.3 Such an order, without more, we held, does not construe the terms of the insurance policy at issue and determine the parties' rights and obligations thereunder. R.C. 2721.04. Therefore, it is not final and appealable. Haberley 3 {¶a}The court s complete entry stated: {¶b} *** Plaintiff s mtn for S.J. is granted. This court finds that the plaintiff is afforded uninsured/underinsured motorist coverage under the Brotherhood Mutual Ins. Policy which had been issued to his employer, Cleveland Baptist Church. {¶c} In accordance w/Rule 54(B) this is a final judgment & there is no just reason for delay. Final. 18 v. Nationwide Mut. Fire Ins. Co. (2001), 142 Ohio App.3d 312, 755 N.E.2d 455. {¶47} This court has routinely noted that a trial court fails to fulfill its function when it disposes of the issues in a declaratory judgment action by journalizing an order sustaining or overruling a motion for summary judgment without setting forth any construction of the document under consideration. The issue has been raised frequently in cases in which a party demands a declaratory judgment concerning the construction of an insurance policy allegedly providing uninsured/underinsured motorists coverage. See, e.g., Haberley, 142 Ohio App.3d 312, 755 N.E.2d 455; Nickschinski v. Sentry Ins. Co. (1993), 88 Ohio App.3d 185, 623 N.E.2d 660; Motorists Mut. Ins. Cos. v. Grischkan (1993), 86 Ohio App.3d 148, 620 N.E.2d 190. Our decision in Haberley makes clear the trial court's construction of the insurance contract and declaration of rights is a jurisdictional concern, not merely an advisable practice. Strzelecki, supra at *6. [Cite as Tilton v. Cockfield, 2002-Ohio-6808.] {¶48} In addition to Strzelecki, supra, this court has also addressed the hybrid case in which a plaintiff seeks not only a declaration of rights under an insurance determination of compensatory damages. policy but also a In such a case, this court held, there is no final appealable order when the trial court summarily grants summary judgment without explicitly determining the rights of the parties under that policy. Haapala v. Nationwide Property & Casualty Ins. Co. (Nov. 9, 2000), Cuyahoga App. No. 77597, 2000 Ohio App. LEXIS 5229; See Fioresi v. State Farm Mutual Automobile Ins. Co. (1985), 26 Ohio App.3d 203, 499 N.E.2d 5; Kramer v. West American Ins. Co. (Oct. 6, 1982), Hamilton App. Nos. C-810829 and C-810891, 1982 Ohio App. LEXIS 13009. The majority in the case at bar clearly ignores this precedence and Ohio case law. {¶49} Lastly, I note that the trial court s including the Civ.R. 54(B) language "no just reason for delay" does not resolve the problem. Simply adding this language does not make appealable an otherwise non-appealable order. State ex rel. White v. Cuyahoga Metropolitan Housing Authority (1997), 79 Ohio St.3d 543, 684 N.E.2d 72; Kelbley v. Hurley (1994), 94 Ohio App.3d 409, 640 N.E.2d 1173; Fireman s Fund Insurance Companies v. BPS Co. (1982), 4 Ohio App.3d 3, 446 N.E.2d 181; Hartley v. Givens, supra. {¶50} The trial court did not determine from plaintiff s previous settlement the amount of plaintiffs compensatory damages under the policy s liability limits or any possible setoffs or the amount of their attorney fees. Because the trial court s order decided only the issue of insurance coverage, it is not a final appealable order regardless of what its entry says. {¶51} For the foregoing reasons, I dissent from the majority opinion because the present appeal is not a final appealable order, and, therefore, this court is without jurisdiction to review the merits of the appeal. I would remand this case to the trial court for further proceedings according to law.

Some case metadata and case summaries were written with the help of AI, which can produce inaccuracies. You should read the full case before relying on it for legal research purposes.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.