Admiral Insurance Company v. Kabul, Inc.

District Court, D. Nevada·Decided July 3, 2025·No. 2:24-cv-02060·Unknown

Opinion

3 ADMIRAL INSURANCE CO., 4 Plaintiff, Case No.: 2:24-cv-02060-GMN-MDC 5 vs. ORDER ADOPTING R&R AND 6 KABUL, INC., et al., DENYING MOTION TO DISMISS 7 Defendants. 8

9 10 Pending before the Court is the Report and Recommendation (“R&R”) by Magistrate 11 Judge Maximiliano D. Couvillier, III, (ECF No. 28), recommending that Defendant Kabul, 12 Inc.’s Motion to Dismiss be denied. Defendant filed an Objection, (ECF No. 29), to which 13 Plaintiff Admiral Insurance Company did not file a timely Response.1 Also pending before the 14 Court is Defendant’s Motion to Dismiss, (ECF No. 7). Plaintiff filed a Response, (ECF No. 15 18), to which Defendant replied, (ECF No. 23). 16 For the reasons discussed below, the Court ACCEPTS AND ADOPTS IN FULL 17 Magistrate Judge Couvillier’s R&R. Further, the Court DENIES Defendant’s Motion to 18 Dismiss and DENIES Defendant’s Objection. 20 This action arises out of two previous lawsuits related to an August 2020 jet ski accident 21 on the Colorado River that resulted in the death of Tammy Lynch. (See generally Compl., ECF 22 23 24 25 1 Defendant filed its Objection on May 22, 2025, automatically setting a June 5, 2025, deadline for Plaintiff to respond. Plaintiff filed its Response on June 19, 2025. Because Plaintiff’s Response is untimely, the Court will not consider it for purposes of this Order. 1 No. 1). The Court restates the background section articulated in Magistrate Judge Couvillier’s 2 R&R below. 3 Lynch was the passenger on a jet ski driven by Darryl Alexander that had been rented 4 from Defendant. (See id.). Lynch was fatally injured when their jet ski was struck by another 5 watercraft operated by Samir Adrian Hernandez. (Id.). The first action filed in this District was 6 in October 2021, by the heirs and estate of Lynch, Case No. 2:21-cv-01981-ART-DJA (the 7 “Lynch Action”), against Hernandez, Defendant Kabul, Inc., and others. Defendant answered 8 the Lynch Action Plaintiffs’ Complaint and admitted that personal and subject matter 9 jurisdiction was proper in the District of Nevada. (See generally Answer, ECF No. 5 in 2:21- 10 cv-01981-ART-DJA). 11 In response to the Lynch Action, Defendant filed an insurance claim with Plaintiff for 12 coverage and defense against the claims asserted by the Lynch Action Plaintiffs under a 13 commercial insurance policy (the “Policy”) issued by Plaintiff to Defendant. (See Compl. ¶¶ 14 11–19). Plaintiff disputed coverage and provided Defendant with a reservation of rights letter 15 (the “Reservation Letter”). (Id. ¶¶ 17–19). The Reservation Letter advised Defendant that the 16 claims in the Lynch Action may not be covered under the Policy and that Plaintiff would 17 defend Defendant subject to Plaintiff’s reservations of rights. (Id.). Defendant accepted 18 Plaintiff’s defense subject to the Reservation Letter. (Id. ¶ 23). Plaintiff ultimately paid 19 $62,854.42 in attorney’s fees to defend Defendant in the Lynch Action and $850,000.00 to 20 settle the Lynch Action on behalf of Defendant. (Id. ¶¶ 32, 35).

21 Meanwhile, Plaintiff filed the second related action against Defendant (and other 22 defendants) in this District, Case No. 2:22-cv-00177-CDS-NJK (the “Declaratory Action”). 23 Plaintiff asserted two claims against Defendant seeking declarations that Plaintiff has no duty to 24 defend and indemnify Defendant in the Lynch Action under the Policy. Defendant answered 25 Plaintiff’s Complaint and, again, did not challenge the court’s personal jurisdiction but instead 1 affirmatively acknowledged the court’s personal jurisdiction and asserted third-party claims 2 against an insurance agent relative to the Policy. (See generally Answer, ECF No. 14 in 2:22- 3 cv-00177-CDS-NJK). 4 In August 2024, the judge in the Declaratory Action case granted Plaintiff summary 5 judgment on its claims against Defendant and declared that Plaintiff had no duty to defend 6 Defendant in the Lynch Action and no duty to indemnity Defendant. (See generally Order, ECF 7 No. 147 in 2:22-cv-00177-CDS-NJK). Based on the judgment in the Declaratory Action, 8 Plaintiff then commenced this third action (the “Reimbursement Action”) against Defendant in 9 this Court seeking reimbursement of the defense fees and settlement payment Plaintiff paid on 10 behalf of Defendant in the Lynch Action. (See generally Compl.). 11 In this Reimbursement Action, Defendant did not answer but instead filed the pending 12 Motion to Dismiss. Despite having litigated two related actions over three years in this District, 13 Defendant argues for the first time in its Motion to Dismiss that this Court lacks personal and 14 subject matter jurisdiction, and that venue is improper in this District. (See generally Mot. 15 Dismiss, ECF No. 7). Defendant also moves to dismiss Plaintiff’s Reimbursement Action 16 Complaint for failure to state a claim, insufficient service of process, and failure to join 17 indispensable parties. (Id.). Magistrate Judge Couvillier entered an R&R recommending that 18 Defendant’s Motion to Dismiss be denied, to which Defendant objected. 20 A party may file specific written objections to the findings and recommendations of a

21 United States Magistrate Judge made under Local Rule IB 1-4. 28 U.S.C. § 636(b)(1)(B); D. 22 Nev. R. IB 3-2. Upon the filing of such objections, the Court must make a de novo 23 determination of those portions to which objections are made. Id. The Court may accept, reject, 24 or modify, in whole or in part, the findings or recommendations made by the Magistrate Judge. 25 28 U.S.C. § 636(b)(1); D. Nev. R. IB 3-2(b). 2 Plaintiff asserts three claims against Defendant: (1) unjust enrichment, (2) equitable 3 estoppel, and (3) equitable subrogation. (See generally Compl.). Defendant moves to dismiss 4 the Complaint and objects to Magistrate Judge Couvillier’s R&R recommending that its Motion 5 to Dismiss be denied. (See generally R&R, ECF No. 28). The Court addresses each of 6 Defendant’s objections in turn. 7 A. Personal Jurisdiction 8 Defendant moves to dismiss the Complaint for lack of personal jurisdiction. (Mot. 9 Dismiss 10:17–11:4). Defendant avers that Plaintiff fails to allege minimum contacts, and the 10 suit offends traditional notions of fair play and substantial justice. (Id.). Magistrate Judge 11 Couvillier found that the Court has personal jurisdiction over Defendant because Plaintiff’s 12 reimbursement claims against Defendant arise from its activities in this District and because 13 Defendant affirmatively availed itself of the Court’s jurisdiction by asserting third-party claims 14 against the insurance agent relative to the Policy in the Declaratory Action. (R&R 3:5–5:10). 15 Defendant objects to this determination. 16 Federal Rule of Civil Procedure (“FRCP”) 12(b)(2) permits a defendant, by way of 17 motion, to assert the defense that a court lacks personal jurisdiction over the defendant. Fed. R. 18 Civ. P. 12(b)(2). When a 12(b)(2) motion is based on written materials, rather than an 19 evidentiary hearing, the plaintiff need only establish a prima facie showing of jurisdictional 20 facts to withstand the motion to dismiss. Ballard v. Savage, 65 F.3d 1495, 1498 (9th Cir. 1995).

21 District courts take the uncontroverted allegations in the complaint as true. Dole Food Co. v. 22 Watts, 303 F.3d 1104, 1108 (9th Cir. 2002). 23 When no federal statute applies to the determination of personal jurisdiction, the law of 24 the state in which the district court sits applies. Schwarzenegger v.

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Admiral Insurance Company v. Kabul, Inc., (D. Nev. 2025).

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