Hartford Underwriters Insurance Co. v. Allstate Insurance Co.

CourtSupreme Court of Virginia
DecidedDecember 8, 2022
Docket211048
StatusPublished

This text of Hartford Underwriters Insurance Co. v. Allstate Insurance Co. (Hartford Underwriters Insurance Co. v. Allstate Insurance Co.) is published on Counsel Stack Legal Research, covering Supreme Court of Virginia primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Hartford Underwriters Insurance Co. v. Allstate Insurance Co., (Va. 2022).

Opinion

PRESENT: All the Justices

HARTFORD UNDERWRITERS INSURANCE COMPANY, ET AL. OPINION BY v. Record No. 211048 JUSTICE WESLEY G. RUSSELL, JR. DECEMBER 8, 2022 ALLSTATE INSURANCE COMPANY, ET AL.

FROM THE CIRCUIT COURT OF THE CITY OF SUFFOLK Carl E. Eason, Jr., Judge

Hartford Underwriters Insurance Company (“Hartford”) and Shoe Show, Inc., doing

business as The Shoe Department (“Shoe Department”), appeal from a judgment of the Circuit

Court of the City of Suffolk granting the “First Amended Complaint in Interpleader with

Accompanying Prayer for Declaratory Relief” filed by Allstate Insurance Company (“Allstate”)

and apportioning the interpleaded funds. For the reasons that follow, we affirm the judgment of

the circuit court.

I. Background

On October 17, 2019, Savannah Padgett was an employee of a Shoe Department store

located in Suffolk. On that day, while Padgett was at work, “Mary Magdalene Brown drove and

crashed her vehicle into [the] Shoe Department store[,]” injuring Padgett.

Padgett asserted a workers’ compensation claim against Shoe Department. Hartford,

Shoe Department’s workers’ compensation carrier, accepted the claim and began paying Padgett

medical and wage indemnity benefits. 1 As of the time of trial below, Hartford had paid Padgett

1 For the purposes of the Virginia Workers’ Compensation Act, “employer” is a defined term. See Code § 65.2-101. Among other things, the statutory definition of “employer” provides that “[i]f the employer is insured, [“employer”] includes his insurer so far as applicable.” Thus, for the purpose of this appeal both Shoe Department and Hartford are considered Padgett’s employer. in excess of $100,000 in medical benefits and approximately $20,000 in wage benefits. Pursuant

to Code § 65.2-309, Hartford asserted a lien against any settlement or judgment Padgett might

obtain in a personal injury action against Brown.

At the time of the accident, Brown was insured under an automobile liability policy

issued by Allstate. The policy had bodily injury limits of $50,000 per person and $100,000 per

accident. Padgett retained counsel to pursue her claims. 2 Ultimately, she filed a personal injury

suit against Brown in the Circuit Court of the City of Suffolk, and her counsel asserted a

statutory lien pursuant to Code § 54.1-3932 against any settlement or judgment. In addition to

being potentially liable for damages caused, the filing of the suit triggered Allstate’s duty to

defend Brown.

Prior to Padgett filing suit against Brown, Hartford sought to initiate an arbitration with

Allstate regarding its claimed lien and the $50,000 in coverage afforded by Brown’s Allstate

policy. Both Hartford and Allstate were signatories to an agreement among insurance companies

to arbitrate disputes among signatory insurance companies.

Not wishing to incur the expense of defending Brown in a case of near certain liability,

“Allstate offered to tender its limit of $50,000 per person in exchange for a release of its

[i]nsured Brown under Va. Code § 38.2-2206(K)” to settle Padgett’s claim against Brown. Such

a settlement and release would have released Brown from any further claims by Padgett, would

have allowed Padgett to proceed with a UM/UIM claim against her automobile liability carrier,3

2 Six days after the accident, Padgett retained Decker, Cardon, Thomas, Weintraub & Neskis, P.C. to represent her. She later ended her relationship with that firm and retained Steven Oser, P.C. related to her claims. Both firms claimed an attorney’s lien regarding costs advanced and services rendered. 3 Padgett had UM/UIM coverage in the amount of $100,000 per person and $300,000 per accident under a policy issued by State Farm.

2 and would have relieved Allstate of any “further duties to its insured, including the duty to

defend its insured if an action has been or is brought against” Brown. Code § 38.2-2206(K).

Such a settlement potentially would have extinguished any claim that Padgett’s UM/UIM carrier

would have had against Brown.4

Padgett wished to accept Allstate’s “tender and walk” offer that would have settled her

claims against Brown for Allstate’s $50,000 policy limit and would have released Brown from

further claims by Padgett. Hartford, however, objected to the settlement, arguing that it was

entitled to the full amount of Allstate’s coverage and that neither Padgett nor her counsel should

be paid any portion of those funds. Hartford conceded in the proceeding below that, if Padgett

entered into the settlement without Hartford’s consent, she “could be foreclosed from receiving

any further benefits from her employer . . . or Hartford under the Virginia Workers’

Compensation Act[.]” 5 As a result, Padgett did not accept Allstate’s settlement offer.

Unable to settle the matter and faced with competing claims for the $50,000 in coverage,

Allstate sought the assistance of the circuit court by filing a complaint in interpleader and

accompanying prayer for declaratory relief. Specifically, Allstate requested that the circuit court

4 Code § 38.2-2206(K) provides that, after such a settlement, “the insurer providing applicable underinsured motorist coverage shall have no right of subrogation or claim against the underinsured motorist” unless “the underinsured motorist unreasonably fails to cooperate with the underinsured motorist benefits insurer in the defense of any lawsuit brought by the injured person or his personal representative[.]” 5 In addition to taking these positions in the proceeding in the circuit court, Hartford took these positions in the attempted arbitration. Specifically, in one of its arbitration filings, Hartford noted that it would “not give consent to Padgett” settling the case on the terms proposed by Allstate because it stood to “lose $20k to an attorney fee” that might be paid to Padgett’s counsel from the settlement proceeds. Hartford also asserted that “Padgett’s future workers[’] compensation benefits will be terminated if she settles [her claim against Brown] without Hartford’s consent.”

3 determine the parties entitled to claim any portion of the $50,000 in coverage, 6 bring those

parties before the circuit court, determine how the $50,000 should be distributed amongst said

parties, discharge Allstate from any liability to such defendants related to the $50,000, restrain

all such parties from instituting or prosecuting any proceedings in any court or by way of

arbitration that sought to recover the $50,000 in coverage, “enter a declaratory judgment that the

payment of Allstate’s funds constitutes a tender and walk under Va. Code § 38.2-2206[,] and

order that Padgett execute a valid release” of Allstate and Brown.

In responding to Allstate’s complaint, Hartford again asserted its claimed “lien of nearly

$125,000.00 pursuant to § 65.2-309 of the Code of Virginia” and further averred that it had

“made its intention to file intercompany arbitration known to both counsel for Padgett and

Allstate six weeks after the date of injury” and had “independently investigated the claim,

gathered evidence, identified and contacted the third-party carrier, and filed its intercompany

arbitration, all while assisting counsel for Padgett.” Hartford argued that, because “[n]either the

employer . . . nor Hartford benefited from any action taken by counsel for Padgett[,]” “no

attorney fee is due or has been earned [by Padgett’s counsel] as it relates to the Allstate policy

limit.”

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Hartford Underwriters Insurance Co. v. Allstate Insurance Co., Counsel Stack Legal Research, https://law.counselstack.com/opinion/hartford-underwriters-insurance-co-v-allstate-insurance-co-va-2022.