Edgar Washington, Florence Hill, and Chrislyn Hill v. State Farm Mutual Automobile Insurance Company and Chrysler Capital LLC

Court of Appeals of Texas·Decided October 28, 2021·No. 02-20-00186-CV·Published

Opinion

In the Court of Appeals Second Appellate District of Texas at Fort Worth ___________________________ No. 02-20-00186-CV ___________________________

EDGAR WASHINGTON, FLORENCE HILL, AND CHRISLYN HILL, Appellants

V.

STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY AND CHRYSLER CAPITAL LLC, Appellees

On Appeal from the 67th District Court Tarrant County, Texas Trial Court No. 067-304035-18

Before Sudderth, C.J.; Kerr and Womack, JJ. Memorandum Opinion by Justice Womack MEMORANDUM OPINION

I. INTRODUCTION

After a drunk driver struck their parked car, Appellants Edgar Washington,

Florence Hill, and Chrislyn Hill—proceeding pro se—sued Appellees State Farm

Mutual Automobile Insurance Company (the drunk driver’s insurance company) and

Chrysler Capital LLC (the lienholder on Appellants’ vehicle). The trial court granted

State Farm’s and Chrysler Capital’s motions for summary judgment, and Appellants

appealed. In their pro se brief, Appellants assert six issues with numerous complaints.

We hold that Appellants have not shown error and affirm the trial court’s judgments.

II. BACKGROUND

A. Appellants’ Live Pleading

According to Appellants’ “Amended Complaint – Number 3,” in late

October 2016, while driving under the influence of alcohol, Kyle Coleman drove into

their parked vehicle, a 2012 Honda Civic, pushed it over a curb, and crashed it into

four other parked vehicles. Police later impounded the Honda.

As further alleged in the pleadings, Chrislyn, a co-signer on the Honda’s note

and the vehicle’s primary driver, now found herself without transportation.1 Edgar,

1 Because Florence Hill and Chrislyn Hill share the same surname, and because Kyle Coleman and Monte Coleman, who is referenced below, also share the same surname, we refer to them by their first names to avoid confusion. And to be consistent, we refer to Edgar Washington by his first name too. See In re Guardianship of Jones, No. 20-0439, 2021 WL 4228048, at *1 n.1 (Tex. Sept. 17, 2021).

2 Chrislyn’s stepfather and the other co-signer on the note, found himself with a

severely damaged car and, assuming payments on the car were stopped, a threat to his

credit. Florence, Chrislyn’s mother and Edgar’s spouse, worried about her daughter’s

well-being.

Appellants notified their vehicle’s lienholder, Chrysler Capital, that their Honda

had been damaged, was undriveable, and had been impounded by the police.

According to Appellants, Chrysler Capital gave them no instructions about whether it

expected them to continue making payments or about what would happen if they

stopped making payments.2

The vehicle that Kyle drove was owned by his father, Monte Coleman, and

insured by Monte’s insurance company, State Farm.3 According to Appellants, State

Farm had “accepted liability” for all five damaged vehicles.

A State Farm adjuster met with Appellants, and Edgar signed a release and gave

it to the adjuster with the understanding that the adjuster would give the release to

Copart Towing Company so that State Farm could move the Honda to its salvage

2 Appellants’ complaint stopped short of stating how they resolved this dilemma, but they provided the answer indirectly when later acknowledging that Chrysler Capital had “retrieved the vehicle from the police impound.” In Chrysler Capital’s answer and counterclaim, it alleged that Edgar and Chrislyn had breached their retail installment sales contract when they stopped making monthly payments. 3 Appellants named Monte as a defendant in their first complaint but thereafter dropped his name from their subsequent complaints; by doing so, they effectively dismissed any claims they had against him. See Spellmann v. Love, 534 S.W.3d 685, 690 (Tex. App.—Corpus Christi 2017, pet. denied).

3 yard for inspection. Edgar and Florence asserted that thereafter State Farm

representatives had assured them on multiple occasions that State Farm had taken

possession of the Honda and that the Honda was in State Farm’s salvage yard.

According to Edgar and Florence, however, those assurances proved false. They

maintained that the Honda had been accumulating daily impound fees because

Chrysler Capital had delayed taking action; they asserted that Chrysler Capital had

only “retrieved the vehicle from the police impound to avoid the 45[-]day auction

rule.”

According to Appellants, because of State Farm’s mismanagement, all three of

them—as well as three other individuals in their household—were without

transportation. Initially, they resorted to renting cars, but eventually they purchased

another vehicle to replace the Honda. They maintained that these new expenses

caused them undue financial hardships.

Meanwhile, after Chrysler Capital retrieved the Honda from the police

impound, it designated the Honda’s status as “repo/totaled” and demanded a

property-damage payment from State Farm. State Farm promptly paid. According to

Appellants, Chrysler Capital then turned around and filed a claim with Appellants’

insurance carrier for nonpayment, but their insurance carrier denied Chrysler Capital’s

demand.

Appellants maintain that State Farm had paid Chrysler Capital $3,624.53 and

then closed the claim, leaving them without any remedy for their loss of

4 transportation or for their mental and physical damages. State Farm informed

Appellants that they could retrieve the “repairable” Honda from Manheim Auction in

Dallas by paying the impound and any other applicable fees, but according to

Appellants, this constituted “conspiratorial and erroneous actions” that caused

“harmful personal injury” to them. Appellants maintained that State Farm and

Chrysler Capital had conspired to benefit themselves to Appellants’ detriment and

noted that State Farm had listed the Honda as totaled for Chrysler Capital’s purposes

but as repairable for Appellants’ purposes.4

Not all of Appellants’ complaints went unheeded. After Appellants filed a

complaint with the Texas Department of Insurance, State Farm paid the Honda’s

impound fees.

All three Appellants maintained that they were legally disabled and that the

stress of this matter had exacerbated Florence’s disability and had resulted in trips to

the emergency room, surgery, and the “loss of an organ.” As for Edgar, Appellants

averred that he was “very overwhelmed by this entire matter (worsening his health as

4 A repairable vehicle and a totaled vehicle are not necessarily mutually exclusive. “Totaled” vehicles are those for which repairs would be too costly compared to the vehicle’s value. Canal Ins. Co. v. Hopkins, 238 S.W.3d 549, 564 (Tex. App.—Tyler 2007, pet. denied) (op. on reh’g); see State Farm Fire & Cas. Co. v. Mower, 917 S.W.2d 2, 4 (Tex. 1995). A “total loss” occurs in those situations where a reasonably prudent uninsured owner, desiring to restore the property to its pre- incident condition, would not utilize that property for such restoration. Canal Ins. Co., 238 S.W.3d at 564. Generally, a reasonably prudent uninsured owner would not repair a vehicle when the repair costs exceeded the vehicle’s pre-incident fair market value; therefore, a “totaled” vehicle would also be a “total loss.” Id.

5 witnessed and documented).” Finally, having no means of transportation, Appellants

lamented that their entire holiday season had been ruined.5

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Edgar Washington, Florence Hill, and Chrislyn Hill v. State Farm Mutual Automobile Insurance Company and Chrysler Capital LLC, (Tex. Ct. App. 2021).

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