Curry v. Carolina Insurance Group of SC

CourtCourt of Appeals of South Carolina
DecidedAugust 7, 2019
Docket5679
StatusPublished

This text of Curry v. Carolina Insurance Group of SC (Curry v. Carolina Insurance Group of SC) is published on Counsel Stack Legal Research, covering Court of Appeals of South Carolina primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Curry v. Carolina Insurance Group of SC, (S.C. Ct. App. 2019).

Opinion

OTHE STATE OF SOUTH CAROLINA In The Court of Appeals

Porthemos Curry, Respondent/Appellant,

v.

Carolina Insurance Group of SC, Inc. and Maurice Derrick, Appellants/Respondents.

Appellate Case No. 2016-000986

Appeal From Richland County Robert E. Hood, Circuit Court Judge Jocelyn Newman, Circuit Court Judge

Opinion No. 5679 Heard May 16, 2019 – Filed August 21, 2019

AFFIRMED

Wesley Dickinson Peel, of Bruner Powell Wall & Mullins, LLC, and Bryan Michael James Triplett, both of Columbia, for Appellants/Respondents.

Thomas Jefferson Goodwyn, Jr., of Goodwyn Law Firm, LLC, and Rachel Gottlieb Peavy, of The McKay Firm, P.A., both of Columbia, for Respondent/Appellant.

KONDUROS, J.: In this cross-appeal involving an insurance contract, Carolina Insurance Group of South Carolina, Inc. (CIG) and Maurice Derrick (collectively, CIG/Derrick) appeal the circuit court's (1) grant of Porthemos Curry's motion for summary judgment as to their affirmative defense of release and (2) considering extrinsic evidence in dismissing their defense of release. Curry also appeals, arguing the circuit court abused its discretion in granting CIG/Derrick's motion to amend their answer at trial to assert the affirmative defense of release. We affirm.

FACTS/PROCEDURAL HISTORY

Derrick is a licensed insurance agent for CIG, an insurance agency. In August 2013, CIG/Derrick sold Curry a three-month vacant structure policy for a building he owned in Columbia. Curry purchased another vacant structure policy from CIG/Derrick with Scottsdale Insurance Company for the same building in December 2013. On February 21, 2014, a vehicle collided with the building, starting a fire that caused severe damage to the building. Scottsdale refused to pay the claim, asserting the policy had begun in November 2013 and had lapsed at the time of the accident.1

In July 2014, Curry brought an action against Scottsdale2 and CIG/Derrick. Curry named CIG/Derrick as agents of Scottsdale and asserted causes of action for negligence, later amending the pleading to add claims for gross negligence in the procurement of the insurance policy.3 In Scottsdale's answer, it stated CIG/Derrick were not "agents, servants[,] or employees o[f] Scottsdale" and "any injuries or damages sustained by [Curry] . . . were the result of the acts or omissions of others not in the employ or control of [Scottsdale]." In their answer, CIG/Derrick also denied they were agents of Scottsdale. Additionally, in Derrick's deposition on April 16, 2015, he testified he was not employed by Scottsdale and was not a producing agent for Scottsdale. In CIG's 30(b)(6), SCRCP, deposition on June 4, 2015, the president of CIG testified CIG had no relationship with Scottsdale.

In November 2015, Curry settled with Scottsdale and executed a release (the Release) in exchange for payment of $85,000 by Scottsdale. The Release, dated December 10, 2015, stated it released and "discharge[d] Scottsdale Insurance Company, its agents, servants, employees, successors[,] and assigns of and from any and all actions, causes of action, demands[,] and/or claims of whatsoever kind or nature prior to and including the date hereof." Attorneys for Curry, Scottsdale, and CIG/Derrick all signed a stipulation of dismissal as to Scottsdale only on

1 The insurance policy—signed December 4, 2013—stated the policy period was from November 21, 2013, to February 21, 2014. 2 Curry alleged causes of action against Scottsdale for breach of contract, statutory bad faith, and common law bad faith. 3 Curry filed a second amended complaint on October 1, 2015. December 10, 2015. The stipulation stated it did not affect Curry's case against the remaining defendants.

On April 15, 2016, CIG/Derrick filed a motion for summary judgment. They argued the Release amounted to a full compensation of Curry's claims and thus Curry was precluded from receiving any additional damages. On April 18, 2016, CIG/Derrick filed an amended motion for summary judgment, asserting, in addition to their previous argument, Curry's release of Scottsdale also released CIG/Derrick from liability. CIG/Derrick argued the language of the Release indicated Curry intended to release them in addition to Scottsdale because the Release included the agents of Scottsdale and Curry's complaint stated CIG/Derrick were agents of Scottsdale. CIG/Derrick asserted a party is bound by its pleadings and Curry could have changed his allegation when he filed his amended complaint after having conducted discovery in the case. Also on April 18, CIG/Derrick filed a motion to amend their answer to assert the affirmative defense of release. CIG/Derrick asserted that Curry's accepting the amount he agreed "represented the full amount of the policy benefits" precluded him from claiming additional damages later.

Also on April 18, 2016, Curry filed a motion for summary judgment on CIG/Derrick's affirmative defense of release, asserting the Release was unambiguous and only applied to Scottsdale. Curry also asserted the record contained no evidence CIG/Derrick were agents of Scottsdale and CIG/Derrick denied they were agents of Scottsdale. Curry also filed a memorandum in opposition to CIG/Derrick's motion for summary judgment. Curry argued CIG/Derrick's attorney signed the stipulation of dismissal as to Scottsdale, which stated it only applied to Scottsdale and Curry's "case against the remaining Defendants shall not be affected by this Dismissal." Additionally, Curry noted the Release did not mention CIG/Derrick. Further, Curry provided CIG/Derrick did not pay any money towards the Scottsdale settlement and also engaged in settlement negotiations up to the eve of trial, participated in discovery, and communicated with the circuit court about the scheduling of trial. Curry asserted that if CIG/Derrick believed they were released by Scottsdale's release, which they had known about since November 2015, they could have made the argument prior to the eve of trial. CIG/Derrick requested a copy of the Release on April 8, 2016, and Curry gave them a copy, after which settlement negotiations and depositions continued.

The trial between Curry and CIG/Derrick was set to be held April 18-19, 2016, and on April 18, the circuit court heard arguments on the motion to amend. The circuit court orally granted CIG/Derrick's motion to amend their answer to assert the affirmative defense of release.4 Due to the timing of the motion for summary judgment based on the release argument, the circuit court scheduled a hearing on the summary judgment motions for the following week with another circuit court judge and continued the trial until May 16.

A hearing on the motions for summary judgment was held on April 26, 2016. The circuit court denied CIG/Derrick's motion from the bench and took Curry's motion under advisement. The circuit court issued an order on May 9, 2016, granting Curry's motion for summary judgment. The circuit court found CIG/Derrick were not agents of Scottsdale. The court stated that looking at the Release as a whole, the plain language showed it clearly and unambiguously released only Scottsdale and not CIG/Derrick from the action. The court found the intent of the parties was to encompass claims against only Scottsdale. The court noted the Release did not mention CIG/Derrick. The court also found the record contained no evidence CIG/Derrick were agents, servants, or employees of Scottsdale. Specifically, the court noted CIG/Derrick testified no agency relationship whatsoever existed between CIG/Derrick and Scottsdale. Additionally, the court found CIG/Derrick's counsel executed the stipulation of dismissal in December 2015, which stated the dismissal did not affect Curry's case against CIG/Derrick.

Free access — add to your briefcase to read the full text and ask questions with AI

Related

Gladys Ojeda-Toro v. Mario E. Rivera-Mendez
853 F.2d 25 (First Circuit, 1988)
Elrod v. All
134 S.E.2d 410 (Supreme Court of South Carolina, 1964)
Olson v. Faculty House of Carolina, Inc.
580 S.E.2d 440 (Supreme Court of South Carolina, 2003)
Sphere Drake Insurance v. Litchfield
438 S.E.2d 275 (Court of Appeals of South Carolina, 1993)
Griffin v. Van Norman
397 S.E.2d 378 (Court of Appeals of South Carolina, 1990)
BB & T v. Taylor
633 S.E.2d 501 (Supreme Court of South Carolina, 2006)
HOPE PETTY MOTORS PF COLUMBIA, INC. v. Hyatt
425 S.E.2d 786 (Court of Appeals of South Carolina, 1992)
Bartholomew v. McCartha
179 S.E.2d 912 (Supreme Court of South Carolina, 1971)
Jordan v. Security Group, Inc.
428 S.E.2d 705 (Supreme Court of South Carolina, 1993)
Byrd v. Irmo High School
468 S.E.2d 861 (Supreme Court of South Carolina, 1996)
Pruitt v. Bowers
499 S.E.2d 250 (Court of Appeals of South Carolina, 1998)
Ecclesiastes Production Ministries v. Outparcel Associates, LLC
649 S.E.2d 494 (Court of Appeals of South Carolina, 2007)
Raby Construction, L.L.P. v. Orr
594 S.E.2d 478 (Supreme Court of South Carolina, 2004)
McGill v. Moore
672 S.E.2d 571 (Supreme Court of South Carolina, 2009)
Futch v. McAllister Towing of Georgetown, Inc.
518 S.E.2d 591 (Supreme Court of South Carolina, 1999)
Pool v. Pool
494 S.E.2d 820 (Supreme Court of South Carolina, 1998)
Berry v. McLeod
492 S.E.2d 794 (Court of Appeals of South Carolina, 1997)
Bowman v. Bowman
591 S.E.2d 654 (Court of Appeals of South Carolina, 2004)
Spence v. Wingate
716 S.E.2d 920 (Supreme Court of South Carolina, 2011)

Cite This Page — Counsel Stack

Bluebook (online)
Curry v. Carolina Insurance Group of SC, Counsel Stack Legal Research, https://law.counselstack.com/opinion/curry-v-carolina-insurance-group-of-sc-scctapp-2019.