Dutta v. AMICA Mutual Insurance

CourtDistrict Court, D. Utah
DecidedJuly 3, 2023
Docket4:20-cv-00031
StatusUnknown

This text of Dutta v. AMICA Mutual Insurance (Dutta v. AMICA Mutual Insurance) is published on Counsel Stack Legal Research, covering District Court, D. Utah primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Dutta v. AMICA Mutual Insurance, (D. Utah 2023).

Opinion

THE UNITED STATES DISTRICT COURT DISTRICT OF UTAH

NADER DUTTA, and CHIZUKO DUTTA, husband and wife, MEMORANDUM DECISION AND ORDER GRANTING DEFENDANT’S Plaintiff, MOTION FOR SUMMARY JUDGMENT

v. Case No. 4:20-cv-00031-DN-PK

AMICA MUTUAL INSURANCE District Judge David Nuffer COMPANY, a Rhode Island corporation,

Defendant.

BACKGROUND This case is a dispute between an insured and insurer for underinsured motorist (“UIM”) coverage. It involves an unfortunate car accident by a nonparty that left Plaintiffs Duttas physically injured. The collision took place in Hurricane, Utah. Duttas are residents of Texas and Defendant Amica Mutual Insurance (“Amica”) is incorporated in Rhode Island. Duttas brought this suit because Amica denied “Plaintiffs’ UIM claim and declin[ed] to make any payment to them under the UIM portion of the insurance policy.”1 The most recent amended complaint2 contains three causes of action: (1) UIM benefits pursuant to contract;3 (2) breach of the implied covenant of good faith and fair dealing;4 and (3) declaratory judgment as to

1 Defendant Amica Mutual Insurance Company’s Motion for Summary at 2, docket no. 54, filed Feb. 3, 2022. 2 Third Amended Complaint, docket no. 70, filed July 6, 2022. 3 Id. at ¶¶ 22-34. 4 Id. at ¶¶ 35-38. predicate matters.5 Defendant refused to pay because it determined “Plaintiffs were more than 50% at fault for the accident.”6 In July 2022, the parties filed a stipulated motion7 agreeing that “Texas substantive contract and first-party insurance law applie[d] to this lawsuit.”8 The motion was granted9 by

Magistrate Judge Kohler. Consistent with Texas law, “Plaintiffs’ extracontractual claims [were] severed and abated until liability of the underinsured motorist [had] been established by the finder of fact.”10 In February 2022, Amica filed a motion for summary judgment asking that Duttas be found to be more than 50% at fault for the collision. Duttas filed an opposition.11 And Amica filed a reply in support of the motion.12 This order determines Duttas’ fault was greater than that of the tortfeasor.

5 Id. at ¶¶ 39-40. 6 Motion for Summary Judgment 2. 7 Stipulated Motion Concerning Applicability of Texas Substantive Law and Severance and Abatement of Extra- Contractual Claims, docket no. 33, filed Dec. 9, 2020. 8 Id. at ¶ 1. 9 Order Granting Stipulated Motion Re (1) Applicability of Texas Substantive Law and Severance and Abatement of Extra-Contractual Claims and (2) Filing of Amended Complaint, docket no. 34, filed Dec. 14, 2020. 10 Id. at ¶ 2. 11 Memorandum in Opposition to Defendant’s Motion for Summary Judgment, docket no. 56, filed Feb. 28, 2022. 12 Defendant Amica Mutual Insurance Company’s Reply Motion for Summary Judgment at 1, docket no. 59, filed Mar. 18, 2022. TABLE OF CONTENTS Contents BACKGROUND ............................................................................................................................ 1 TABLE OF CONTENTS ................................................................................................................ 3 UNDISPUTED FACTS .................................................................................................................. 4 The facts leading up to the collision, and the collision itself .............................................. 4 Ms. Pili’s testimony ............................................................................................................ 8 Officers’ testimony ........................................................................................................... 10 Duttas’ testimony .............................................................................................................. 11 Ms. Dayley’s testimony .................................................................................................... 13 Plaintiffs’ insurance and this lawsuit ................................................................................ 13 STANDARD OF REVIEW .......................................................................................................... 13 Summary Judgment Standard of Review .......................................................................... 13 Special Considerations in Negligence Cases .................................................................... 14 APPLICABLE LAW .................................................................................................................... 15 Utah negligence law applies because Utah has the “most significant relationship” with the collision ........................................................................................................... 15 Under Utah’s comparative negligence law, Duttas may not recover if their fault exceeds Ms. Pili’s ............................................................................................................... 16 DISCUSSION ............................................................................................................................... 17 Ms. Pili’s fault did not exceed Duttas’ negligence ........................................................... 18 Two of Duttas’ arguments misconstrue deposition testimony and do not show Ms. Pili’s negligence ........................................................................................ 19 The remainder of Duttas’ stated facts do not show Ms. Pili’s negligence ............ 23 Duttas were more than 50% at fault for the collision ....................................................... 26 Duttas failed to use a marked or unmarked crosswalk to walk across State Street ................................................................................................................... 26 Duttas negligently crossed a five-lane medium speed highway after sunset, recently after it had rained, while wearing dark clothing ......................... 27 Duttas were negligent for using in the center turning lane, a non-pedestrian location ...................................................................................................... 29 Duttas negligently failed to watch westbound traffic while in the center turning lane ............................................................................................................ 30 The negligence analysis need not be decided by a jury because the undisputed facts show that Duttas were negligent to a far greater degree than Ms. Pili ........................... 31 CONCLUSION ............................................................................................................................. 31 ORDER ......................................................................................................................................... 32 UNDISPUTED FACTS13 The facts leading up to the collision, and the collision itself 1. On October 6, 2018, Duttas were staying at the Wyndham Hotel located at 780 W. State Street in Hurricane, Utah.14 2. Nader Dutta (“Mr. Dutta”) was 77 years old and Chizuko Dutta15 (“Mrs. Dutta”) was 89 years old at the time of the collision.16

13 The following Undisputed Facts are taken from the parties briefing on the Motion for Summary Judgment. Motion for Summary Judgment ¶¶ 1-41 at 4-9; Opposition ¶¶ 1-20 at 17-20. Some of the Undisputed Facts were taken from the witness’ and parties’ sworn depositions but not specifically listed in the fact summaries in the parties’ briefing. The facts, or portions thereof, identified in the parties’ briefing that do not appear in these Undisputed Facts are either disputed; not supported by the cited evidence; not material; or are not facts, but rather, are characterization of facts, opinions, statements from reports that contain opinions, statements about facts, observations, or legal argument.

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Dutta v. AMICA Mutual Insurance, Counsel Stack Legal Research, https://law.counselstack.com/opinion/dutta-v-amica-mutual-insurance-utd-2023.