Arnold v. Allstate Insurance Company

District Court, M.D. Tennessee·Decided April 4, 2024·No. 3:23-cv-01244·Unknown

Opinion

UNITED STATES DISTRICT COURT FOR THE MIDDLE DISTRICT OF TENNESSEE NASHVILLE DIVISION

EDWARD RONNY ARNOLD,

Plaintiff, Case No. 3:23-cv-01244

v. Judge Aleta A. Trauger Magistrate Judge Alistair E. Newbern ALLSTATE INSURANCE COMPANY,

Defendant.

To: The Honorable Aleta A. Trauger, District Judge

REPORT AND RECOMMENDATION This action arises out of a three-vehicle accident that took place in Davidson County, Tennessee, on October 23, 2019, and state court proceedings related to the accident. (Doc. No. 1.) Pro se Plaintiff Edward Ronny Arnold was injured in the accident and filed two lawsuits in state court against his own insurance carrier, Defendant Allstate Insurance Company (Allstate), to recover benefits under his insurance policy. (Id.) In this action, Arnold alleges that Allstate violated his federal civil rights in those state court proceedings. (Id.) Allstate has filed a motion to dismiss Arnold’s complaint for failure to state claims on which relief can be granted (Doc. No. 9) and a motion to dismiss for failure to state a claim or, alternatively, for summary judgment (Doc. No. 13). Arnold opposes Allstate’s motions, arguing that the first motion to dismiss is untimely, that he has adequately pleaded claims for relief, and that summary judgment is not warranted (Doc. Nos. 11, 12, 14). Allstate has not filed optional replies in support of its motions. For the reasons that follow, the Magistrate Judge will recommend that the Court deny Allstate’s motions on procedural grounds; however, because the Court lacks subject-matter jurisdiction to adjudicate Arnold’s claims, the Magistrate Judge will nevertheless recommend that the Court dismiss this action without prejudice. I. Background A. Factual Background1 Arnold alleges that he “purchased a 2014 Honda Odyssey” on “July 25, 2014,” and “contracted with . . . Allstate . . . to add the vehicle to an existing [insurance] policy[.]” (Doc.

No. 1, PageID# 5.) Specifically, Arnold states that he “increased the minimum property damage coverage to: $100,000.00 for one injury or death, $300,000.00 for all injuries or deaths, $50,000.00 for property damage for one accident[,] and added uninsured motorist, underinsured motorist, and comprehensive [coverage].” (Id.) Arnold states that, on “October 23, 2019, there occurred a three-vehicle accident at the intersection of Bass Street and Eighth Avenue South in Davidson County, Tennessee.” (Id.) Arnold alleges that Deborah Malchow, “the owner / operator of” a “2011 Audi Q5[,]” “entered ongoing traffic and struck” Arnold’s “2014 Honda Odyssey” “and then struck” a “2018 Toyota 4Runner . . . .” (Id. at PageID# 6.) “Each vehicle only contained one individual and all three vehicles were

insured. All three vehicles were disabled . . . and towed from the scene.” (Id.) Arnold states that he “was the only individual injured in the . . . accident” and that he “received personal injuries to his left and right hand.” (Id. at PageID# 5, 6.) Arnold filed an insurance claim with Allstate the same day “for personal injury, pain and suffering, [and] property damage.” (Id. at PageID# 6.) He states that Allstate “refused to negotiate”

1 The facts in this section are drawn from Arnold’s complaint (Doc. No. 1) and from public records of the state court proceedings referenced in Arnold’s complaint. See Watermark Senior Living Ret. Cmtys., Inc. v. Morrison Mgmt. Specialists, Inc., 905 F.3d 421, 425–26 (6th Cir. 2018) (holding that courts may consider public records, “includ[ing] documents from other court proceedings[,]” “at the motion-to-dismiss stage”). with him “and claimed a policy of ‘Take It or Leave It’ to which [Arnold] was required to accept settlement offers below market value for property damage.” (Id.) Arnold also filed claims with Progressive Direct Auto (Progressive) and Mountain Laurel Assurance Company (Mountain Laurel), which allegedly insured Malchow. (Doc. No. 1.)

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