K & C PROPERTIES, INC. v. STATE AUTO PROPERTY & CASUALTY INSURANCE COMPANY

CourtDistrict Court, S.D. Indiana
DecidedMarch 14, 2023
Docket4:21-cv-00039
StatusUnknown

This text of K & C PROPERTIES, INC. v. STATE AUTO PROPERTY & CASUALTY INSURANCE COMPANY (K & C PROPERTIES, INC. v. STATE AUTO PROPERTY & CASUALTY INSURANCE COMPANY) is published on Counsel Stack Legal Research, covering District Court, S.D. Indiana primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
K & C PROPERTIES, INC. v. STATE AUTO PROPERTY & CASUALTY INSURANCE COMPANY, (S.D. Ind. 2023).

Opinion

UNITED STATES DISTRICT COURT SOUTHERN DISTRICT OF INDIANA NEW ALBANY DIVISION

K & C PROPERTIES, INC., ) RIVER CHASE APARTMENTS, INDIANA, ) LLC, ) ) Plaintiffs, ) ) v. ) Case No. 4:21-cv-00039-TWP-KMB ) STATE AUTO PROPERTY & CASUALTY ) INSURANCE COMPANY, ) ) Defendant. ) ENTRY ON THE PARTIES' MOTIONS IN LIMINE This matter is before the Court on an Omnibus Motion in Limine filed by Plaintiffs K & C Properties, Inc. and River Chase Apartments, Indiana, LLC ("Plaintiffs")1 (Filing No. 86), Plaintiffs' Motion to Supplement Plaintiffs' Omnibus Motion in Limine (Filing No. 110), and Defendant State Auto Property & Casualty Insurance Company's ("State Auto") Motion in Limine (Filing No. 107). This case concerns insurance coverage for Plaintiffs' properties and the jury trial is scheduled to begin on Monday, April 10, 2023. The Plaintiffs filed this lawsuit alleging that State Auto breached the insurance policy by significantly undervaluing the damages caused by a storm and violated its duty to act in good faith in investigating and settling their insurance claim (Filing No. 1). The parties seek an order in limine precluding certain categories of evidence and referencing certain factual issues at trial (Filing No. 86; Filing No. 107; Filing No. 110). For the following reasons, the Court grants Plaintiffs' Omnibus Motion in Limine; denies Plaintiffs'

1 The Plaintiffs are related entities that own separate apartment complexes, the Bridgepoint Apartments and the River Chase Apartments. Motion to Supplement Plaintiffs' Omnibus Motion in Limine; and grants in part and denies in part State Auto's Motion in Limine. I. LEGAL STANDARD

A. Motions in Limine

Although the Federal Rules of Evidence do not explicitly authorize in limine rulings, the practice has developed pursuant to the district court's inherent authority to manage the course of trials. Luce v. United States, 469 U.S. 38, 41 n. 4 (1984). Judges have broad discretion when ruling on motions in limine. Jenkins v. Chrysler Motors Corp., 316 F.3d 663, 664 (7th Cir. 2002). "The purpose of a motion in limine is not to weigh competing arguments about the strength of the parties' evidence and theories, nor is it to decide which party's assumptions are correct. A motion in limine weeds out evidence that is not admissible for any purpose." Wash. Frontier League Baseball, LLC v. Zimmerman, 2018 U.S. Dist. LEXIS 106108, at *10 (S.D. Ind. June 26, 2018). The party moving to exclude evidence in limine has the burden of establishing that the evidence is not admissible for any purpose. Robenhorst v. Dematic Corp., 2008 WL 1821519, at *3 (N.D. Ill. April 22, 2008). "Unless evidence meets this high standard, evidentiary rulings should be deferred until trial so that questions of foundation, relevancy and potential prejudice may be resolved in proper context." Hawthorne Partners v. AT & T Techs., Inc., 831 F.Supp. 1398, 1400 (N.D. Ill. 1993). A ruling on a motion in limine is not necessarily final. Townsend, 287 F.Supp.2d at 872. "The ruling is subject to change when the case unfolds," particularly if the actual testimony differs from what was proffered. Luce, 469 U.S. at 41. "Indeed even if nothing unexpected happens at trial, the district judge is free, in the exercise of sound judicial discretion, to alter a previous in limine ruling." Id. at 41–42. B. Federal Rules of Evidence 401 , 402, and 403 Pursuant to Federal Rule of Evidence ("Rule") 401, evidence is relevant if "it has any tendency to make a fact more or less probable than it would be without the evidence" and "the fact is of consequence in determining the action." Fed. R. Evid. 401; United States v. Boros, 668 F.3d

901, 907 (7th Cir. 2012). "Rule 402 provides the corollary that, with certain exceptions, '[r]elevant evidence is admissible' and '[i]rrelevant evidence is not admissible.'" Boros, 668 F.3d at 907. Under Rule 403, "[t]he court may exclude relevant evidence if its probative value is substantially outweighed by a danger of one or more of the following: unfair prejudice, confusing the issues, misleading the jury, undue delay, wasting time, or needlessly presenting cumulative evidence." Fed. R. Civ. P. 403; Boros, 668 F.3d at 909. The Rules "define relevance broadly." United States v. McKibbins, 656 F.3d 707, 711 (7th Cir.2011). A party faces a significant obstacle in arguing that evidence should be barred because it is not relevant, given that the United States Supreme Court has stated that there is a "low threshold" for establishing that evidence is relevant. Boros, 668 F.3d at 908 (citing Tennard v. Dretke, 542 U.S. 274, 285 (2004)).

II. DISCUSSION

The Plaintiffs and State Auto petitioned the Court to exclude several categories of evidence from trial that they argue is inadmissible. The Court will first address the Plaintiff's motions (Filing No. 86) and (Filing No. 110), before turning to State Auto's motion (Filing No. 107.) A. Plaintiffs' Omnibus Motion in Limine (Filing No. 86) 1. Failed to Satisfy Conditions Precedent to Obtaining Coverage The Plaintiffs move the Court for an order precluding State Auto from arguing that Plaintiffs had "no coverage under the policy for the roof damage (or otherwise) because Plaintiffs failed to satisfy some condition located therein." (Filing No. 86 at 1-3.) State Auto responds that "State Auto does not contend that Plaintiffs failed to satisfy a condition precedent to obtaining coverage in this case." (Filing No. 109 at 1.) To that end, the Court grants Plaintiffs' Omnibus Motion in Limine number one. 2. Arguments that Coverage is Barred by a Policy Exclusion

The Plaintiffs move the Court for an order precluding State Auto from arguing that an exclusion within the relevant policy applies to deny coverage2 (Filing No. 86 at 3). State Auto responds that "[f]or the same reasoning set forth in its response to Plaintiffs’ Omnibus Motion in Limine Number One, State Auto is not contending, and has not contended throughout this litigation, that coverage in this matter is barred by a policy exclusion." (Filing No. 109 at 2.) To that end, the Court grants Plaintiffs' Omnibus Motion in Limine number two. 3. Compensating Plaintiffs' Counsel The Plaintiffs move the Court for an order precluding State Auto from suggesting or alleging "that a motive, purpose, or result of this lawsuit is or will be to compensate Plaintiffs' counsel" because it is "not relevant, is false, is of potential prejudice to Plaintiffs, and should be

excluded. See Fed. R. Civ. P. 401, 402, and 403." (Filing No. 86 at 5.) State Auto responds that it "has no objection to Plaintiffs' Omnibus Motion in Limine Number Three." (Filing No. 109 at 2.) To that end, the Court grants Plaintiffs' Omnibus Motion in Limine number three. 4.

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Related

Luce v. United States
469 U.S. 38 (Supreme Court, 1984)
United States v. McKibbins
656 F.3d 707 (Seventh Circuit, 2011)
United States v. Boros
668 F.3d 901 (Seventh Circuit, 2012)
United States v. Vetta Linwood
142 F.3d 418 (Seventh Circuit, 1998)
Hawthorne Partners v. AT & T TECHNOLOGIES, INC.
831 F. Supp. 1398 (N.D. Illinois, 1993)
Betts v. CITY OF CHICAGO, ILL.
784 F. Supp. 2d 1020 (N.D. Illinois, 2011)
Jerry L. Kindred v. State of Indiana
973 N.E.2d 1245 (Indiana Court of Appeals, 2012)

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Bluebook (online)
K & C PROPERTIES, INC. v. STATE AUTO PROPERTY & CASUALTY INSURANCE COMPANY, Counsel Stack Legal Research, https://law.counselstack.com/opinion/k-c-properties-inc-v-state-auto-property-casualty-insurance-company-insd-2023.