EVEREST NATIONAL INSURANCE COMPANY v. AMERICAN CLAIMS MANAGEMENT, INC

CourtDistrict Court, D. New Jersey
DecidedAugust 8, 2025
Docket3:22-cv-02710
StatusUnknown

This text of EVEREST NATIONAL INSURANCE COMPANY v. AMERICAN CLAIMS MANAGEMENT, INC (EVEREST NATIONAL INSURANCE COMPANY v. AMERICAN CLAIMS MANAGEMENT, INC) is published on Counsel Stack Legal Research, covering District Court, D. New Jersey primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
EVEREST NATIONAL INSURANCE COMPANY v. AMERICAN CLAIMS MANAGEMENT, INC, (D.N.J. 2025).

Opinion

UNITED STATES DISTRICT COURT FOR THE DISTRICT OF NEW JERSEY

EVEREST NATIONAL INSURANCE Civil Action No. 22-2710 (MAS) (RLS) COMPANY, et al.,

Plaintiffs, MEMORANDUM OPINION v. AND ORDER

AMERICAN CLAIMS MANAGEMENT, INC.,

Defendant.

RUKHSANAH L. SINGH, United States Magistrate Judge. PRESENTLY before the Court are two Motions by Plaintiffs Everest National Insurance Company and Everest Security Insurance Company (collectively, “Everest”) to Strike: the Declaration of Michael Kaney and the exhibits thereto, (Doc. No. 108) (the “Kaney Declaration”) (the “Motion to Strike the Kaney Declaration”), (Doc. No. 112); and an agreement between Everest and Engle Martin and Associates, Inc. (the “Engle Martin Agreement”), attached as Exhibit 1 to the Certification of Joseph Catuzzi, Esq., in further support of Defendant American Claims Management, Inc.’s (“ACM”) motion for partial summary judgment (Doc. No. 114-2) (the “Motion to Strike the Engle Martin Agreement”), (Doc. No. 119). ACM opposed both motions, (Doc. Nos. 117, 120), to which Everest replied, (Doc. Nos. 118, 121). The Court has fully considered the parties’ written submissions without oral argument pursuant to Federal Rule of Civil Procedure 78 and Local Civil Rule 78.1(b). For the reasons set forth below and for good cause shown, the Court GRANTS the Motion to Strike the Kaney Declaration and DENIES the Motion to Strike the Engle Martin Agreement. I. RELEVANT BACKGROUND As the parties are familiar with the background and procedural history of this case, the Court recites only those facts relevant to the present motions. Everest brought this action against ACM for breach of contract, indemnification, and declaratory judgment relating to a Master

Contract for Claim Handling and Adjusting Services by and between Everest and ACM (the “Master Contract”). (See generally Doc. No. 1). Everest seeks indemnification from ACM for its defense of two claims pursuant to the indemnification clause of the Master Contract. (See Doc. No. 1 at ¶¶ 4-13). That indemnification clause provides: “Adjuster shall indemnify, defend and hold Client harmless from and against any liability, damages, disputes, claims, demands or actions, including litigation or arbitration (‘Loss’) arising from the negligent acts or omissions of Adjuster . . . .” (Doc. No. 1 at ¶ 23). Specifically, Everest seeks damages and indemnification related to ACM’s handling of a May 2017 claim brought by Jay Jervis (the “Jervis Claim”) and a February 2018 claim brought by Jorge Garibaldi (the “Garibaldi Claim”). (See Doc. No. 1 at ¶¶ 4-13). The Jervis Claim involved a motorcycle accident with Everest’s insured. (See Doc. No. 1

at ¶ 25). Pursuant to the Master Contract, ACM considered a settlement demand made by Jervis. (Doc. No. 1 at ¶¶ 32-33). After negotiations failed, Jervis filed suit, and Everest assumed its insured’s defense. (Doc. No. 1 at ¶ 34). Everest allegedly made numerous demands that ACM indemnify Everest, which ACM refused. (Doc. No. 1 at ¶¶ 41-42). The Garibaldi Claim allegedly involved a workers’ compensation claim brought by an employee of Everest’s insured. (Doc. No. 1 at ¶¶ 44-46). ACM handled the claim on Everest’s behalf pursuant to the Master Contract. (Doc. No. 1 at ¶ 47). ACM allegedly denied the claim without consulting Everest. (Doc. No. 1 at ¶ 55). Garibaldi later filed suit against Everest and ACM, among others, for allegedly engaging in bad faith conduct which resulted in the denial of his claim. (Doc. No. 1 at ¶ 60). Everest allegedly made numerous demands to ACM to assume the defense of that lawsuit, which ACM denied. (Doc. No. 1 at ¶¶ 70-76). After reaching a settlement with Garibaldi, Everest demanded that ACM reimburse it for the settlement amount plus its own legal fees. (Doc. No. 1 at ¶ 78). ACM again refused. (Doc. No. 1 at ¶ 79). Everest then brought this suit against ACM for breach of the Master

Contract and indemnification relating to the Jervis Claim and the Garibaldi Claim. (Doc. No. 1 at ¶¶ 80-118). While discovery proceeded, in a letter to the Court dated June 19, 2023, ACM referenced a “draft claims services agreement” Everest provided to “a company related to ACM.”1 (Doc. No. 29 at pp. 7-8). ACM referred to that draft agreement in support of its claim that the indemnification provision of the Master Services Agreement is narrow and Everest, had it chosen, could have drafted a broader indemnification provision as it has done in other instances. (Doc. No. 29 at pp. 7-8). That same day, counsel for Everest sent an email to counsel for ACM demanding production of the referenced draft agreement, which ACM had not previously produced. (Doc. No. 112-4, Exhibit B). After receiving no response, counsel for Everest again demanded production of the

draft agreement the next day. (Doc. No. 112-4, Exhibit B). Counsel for Everest sent a third email dated June 25, 2023 demanding a copy of the draft agreement, otherwise it would seek relief from the Court. (Doc. No. 112-4, Exhibit B). On June 26, 2023, counsel for ACM responded that “Everest is in possession of the draft agreement and related communications” and identified Health Special Risk, Inc. as the other party to the agreement. (Doc. No. 112-4, Exhibit B). ACM also provided the names of three individuals at Everest it understood to have knowledge of the draft agreements and indicated “that the time frame of the communications was roughly between

1 Unbeknownst to Everest at the time, the draft agreement ACM referred to in its letter is a proposed third-party claims administration agreement exchanged between Everest and Health Special Risk, Inc. (“Draft HSR Agreement”). February 2023 through June 2023.” (Doc. No. 112-4, Exhibit B). ACM did not produce the Draft HSR Agreement. (Doc. No. 112-4, Exhibit B). The Draft HSR Agreement was not raised again until February 14, 2025, when Everest learned that ACM provided the document to its expert witness. (Doc. No. 112-2 at ¶ 11). Everest

raised the issue of ACM’s failure to produce the draft agreement during a status conference on February 24, 2025. The Court ordered ACM to produce that draft agreement, and ACM stated it would do so. (See Doc. No. 112-2 at ¶ 12; Doc. No. 117 at p. 4). Nevertheless, ACM did not produce the Draft HSR Agreement. On January 31, 2025, Everest filed a motion for summary judgment, and ACM filed a motion for partial summary judgment. (See Doc. Nos. 104, 105). In support of its motion, Everest argues, inter alia, that it need only show potential liability to trigger the Master Contract’s indemnification clause and that ACM waived any right to challenge the settlements reached by Everest by refusing its tenders. (See Doc. No. 105-1 at pp. 19-25). ACM filed its opposition to Everest’s motion for summary judgment on March 3, 2025, seven days after the February 24, 2025

status conference. (See Doc. No. 107). In that brief, ACM argues that the indemnification clause is triggered only upon a determination that ACM acted negligently. (See Doc. No. 107 at pp. 18- 23). In support of its contention, ACM cites to and attaches to the Kaney Declaration the Draft HSR Agreement, as well as the fully executed version of same (the “HSR Agreement” and, collectively with the Draft HSR Agreement, the “HSR Agreements”), which it had not produced to Everest. (See Doc. No. 107 at p. 23; Doc. No. 108). ACM claims the HSR Agreements demonstrate that Everest is capable of drafting broader indemnification agreements which trigger upon mere allegations of negligence. (See Doc. No. 107 at p. 23). On March 14, 2025, Everest moved to strike the Kaney Declaration and HSR Agreements pursuant to Federal Rule of Civil Procedure

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

Related

Wachtel v. Health Net, Inc.
239 F.R.D. 81 (D. New Jersey, 2006)
Younes v. 7-Eleven, Inc.
312 F.R.D. 692 (D. New Jersey, 2015)
Reed v. Binder
165 F.R.D. 424 (D. New Jersey, 1996)
Fitz, Inc. v. Ralph Wilson Plastics Co.
174 F.R.D. 587 (D. New Jersey, 1997)

Cite This Page — Counsel Stack

Bluebook (online)
EVEREST NATIONAL INSURANCE COMPANY v. AMERICAN CLAIMS MANAGEMENT, INC, Counsel Stack Legal Research, https://law.counselstack.com/opinion/everest-national-insurance-company-v-american-claims-management-inc-njd-2025.