Earls v. State Auto Mut. Ins. Co., Unpublished Decision (9-29-2004)
Earls v. State Auto Mut. Ins. Co., Unpublished Decision (9-29-2004)
Opinion of the Court
{¶ 3} On March 8, 2002, appellant filed a complaint seeking uninsured motorist coverage, naming State Automobile Mutual Insurance Company ("State Auto"), Fireman's Fund Insurance Company of Nebraska ("Fireman's Fund"), and Goodrich as defendants. On July 22, 2002, appellant filed a first amended complaint, adding Indemnity Insurance Company of North America nka Ace Indemnity Insurance ("Indemnity"), Zurich Specialties London Limited ("Zurich"), and Lexington Insurance Company ("Lexington"), as defendants. State Auto and Fireman's Fund insured appellant's employer, North Ohio Center. Indemnity, Zurich, and Lexington insured Mr. Taddeo's employer, Goodrich.
{¶ 4} State Auto filed a motion for summary judgment on October 1, 2002. Fireman's Fund filed a motion for summary judgment on October 21, 2002. On November 5, 2003, the Supreme Court of Ohio released its opinion in Westfield Ins. Co. v.Galatis,
{¶ 5} Appellant timely appealed, setting forth four assignments of error for review.
{¶ 6} In her first assignment of error, appellant argues that the trial court erred in applying Galatis retroactively. This Court disagrees.
{¶ 7} This Court notes that "the general rule is that a decision of a court of supreme jurisdiction overruling a former decision is retrospective in its operation, and the effect is not that the former was bad law, but that it never was the law."Peerless Elec. Co. v. Bowers (1955),
{¶ 8} Appellant's first assignment of error is overruled.
{¶ 9} In her second assignment of error, appellant contends that the trial court erred in awarding summary judgment in favor of all appellees. This court agrees in part and disagrees in part.
{¶ 10} Appellate review of a lower court's entry of summary judgment is de novo, applying the same standard used by the trial court. McKay v. Cutlip (1992),
"(1) No genuine issue as to any material fact remains to be litigated;
"(2) the moving party is entitled to judgment as a matter of law; and
"(3) it appears from the evidence that reasonable minds can come to but one conclusion, and viewing such evidence most strongly in favor of the party against whom the motion for summary judgment is made, that conclusion is adverse to that party." Temple v. Wean United, Inc. (1977),
{¶ 11} The party seeking summary judgment initially bears the burden of informing the trial court of the basis for the motion and identifying portions of the record demonstrating an absence of genuine issues of material fact as to the essential elements of the nonmoving party's claims. Dresher v. Burt (1996),
{¶ 12} Once this burden is satisfied, the nonmoving party has the burden, as set forth in Civ.R. 56(E), to offer specific facts showing a genuine issue for trial. Id. The nonmoving party may not rest upon the mere allegations and denials in the pleadings, but instead must point to or submit some evidentiary material that shows a genuine dispute over the material facts exists.Henkle v. Henkle (1991),
{¶ 13} Both State Auto and Fireman's Fund filed motions for summary judgment, arguing that appellant did not qualify as an insured under their policies. Therefore, this Court finds that the trial court properly awarded summary judgment in favor of State Auto and Fireman's Fund pursuant to Galatis. However, Indemnity, Zurich, and Lexington did not file motions for summary judgment.
{¶ 14} The Supreme Court of Ohio has held that "Civ.R. 56 does not authorize courts to enter summary judgment in favor of a non-moving party." State ex rel. J.J. Detweiler Enterprises,Inc. v. Warner, Aud.,
{¶ 15} In her third assignment of error, appellant contends that the trial court erred in relying on Galatis to resolve issues in the case sub judice which were not discussed inGalatis. Specifically, appellant argues that the holding inGalatis is limited to commercial automobile liability coverage. Therefore, appellant concludes that, with the exception of the business auto policy issued by State Auto, Galatis in not applicable to any of the insurance policies at issue in this appeal. This Court disagrees.
{¶ 16} The following insurance policies were in effect at the time of the accident which led to the underlying action and are at issue in this appeal: a commercial general liability issued to appellant's employer, North Ohio Center by State Auto; an excess policy issued to North Ohio Center by Fireman's Fund; a business auto policy issued by Indemnity to Mr. Taddeo's employer, Goodrich; a claims made excess coverage policy ["LIRMA policy(ies)"] issued by Zurich and Lexington to Goodrich.
{¶ 17} With regard to the policies issued by State Auto and Fireman's Fund, appellant alleges that Galatis is not applicable to these policies because UM/UIM coverage arises under these policies by operation of law. There is no language inGalatis to support appellant's argument that Galatis is not applicable when UM/UIM coverage arises by operation of law. Furthermore, the Supreme Court of Ohio has reversed several cases on the authority of Galatis in which appellate court found that UM/UIM coverage arose by operation of law. See In re Uninsured Underinsured Motorist Coverage Cases,
{¶ 18} With regard to the policies issued by Indemnity, Zurich, and Lexington, this Court's ruling on appellant's second assignment of error renders this assignment of error moot. Therefore, we decline to address this portion of this assignment of error. App.R. 12(A)(1)(c).
{¶ 19} Appellant's third assignment of error is overruled.
{¶ 20} This Court's ruling on the second assignment of error is dispositive of this assignment of error. Therefore, we decline to address appellant's third and fourth assignments of error. App.R. 12(A)(1)(c).
Judgment affirmed in part, reversed in part, and cause remanded.
The Court finds that there were reasonable grounds for this appeal.
We order that a special mandate issue out of this Court, directing the Court of Common Pleas, County of Lorain, State of Ohio, to carry this judgment into execution. A certified copy of this journal entry shall constitute the mandate, pursuant to App.R. 27.
Immediately upon the filing hereof, this document shall constitute the journal entry of judgment, and it shall be file stamped by the Clerk of the Court of Appeals at which time the period for review shall begin to run. App.R. 22(E). The Clerk of the Court of Appeals is instructed to mail a notice of entry of this judgment to the parties and to make a notation of the mailing in the docket, pursuant to App.R. 30.
Costs taxed to both parties equally.
Exceptions.
Slaby, J., Whitmore, J., concur.
Case-law data current through December 31, 2025. Source: CourtListener bulk data.