Kamlesh Banga v. American Family Connect Property Casualty Insurance Company

CourtDistrict Court, E.D. California
DecidedJanuary 23, 2026
Docket2:25-cv-03134
StatusUnknown

This text of Kamlesh Banga v. American Family Connect Property Casualty Insurance Company (Kamlesh Banga v. American Family Connect Property Casualty Insurance Company) is published on Counsel Stack Legal Research, covering District Court, E.D. California primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Kamlesh Banga v. American Family Connect Property Casualty Insurance Company, (E.D. Cal. 2026).

Opinion

1 2 3 4 5 6 7 8 UNITED STATES DISTRICT COURT 9 FOR THE EASTERN DISTRICT OF CALIFORNIA 10 11 KAMLESH BANGA, No. 2:25-cv-3134-DAD-CKD (PS) 12 Plaintiff, 13 v. ORDER 14 AMERICAN FAMILY CONNECT PROPERTY CASUALTY INSURANCE 15 COMPANY, 16 Defendant. 17 18 Plaintiff Kamlesh Banga proceeds pro se in this diversity jurisdiction action bringing 19 claims arising out of a dispute concerning a homeowners insurance coverage policy. In the 20 motion presently before the court, plaintiff moves to strike affirmative defenses in the answer 21 filed by defendant, American Family Connect Property Casualty Insurance Company. For the 22 reasons set forth below, the motion is granted in part and denied in part. 23 I. Background 24 Plaintiff initiated this action on October 29, 2025, bringing claims for breach of contract, 25 insurance bad faith, financial elder abuse, unfair claims practices, fraud, and other state-law 26 claims related to defendant’s handling of a 2023 burst pipe claim. (ECF No. 1.) Defendant filed 27 an answer on November 26, 2025. (ECF No. 5.) 28 //// 1 Plaintiff filed the motion presently before the court on December 15, 2025 (ECF No. 11), 2 seeking to strike affirmative defenses in defendant’s answer. Defendant opposed the motion and 3 plaintiff filed a reply. (ECF Nos. 18, 19.) The court ordered the motion submitted without oral 4 argument pursuant to Local Rule 230(g). (ECF No. 20.) 5 II. Applicable Legal Standards 6 The court may strike from a pleading an insufficient defense or any redundant, immaterial, 7 impertinent, or scandalous matter. Fed. R. Civ. P. 12(f). “The function of a 12(f) motion to strike 8 is to avoid the expenditure of time and money that must arise from litigating spurious issues by 9 dispensing with those issues prior to trial[.]” Whittlestone, Inc. v. Handi-Craft Co., 618 F.3d 970, 10 973 (9th Cir. 2010). 11 Because of the limited importance of pleading in federal practice, courts sometimes 12 require a showing of prejudice by the moving party before granting the requested relief. See 13 California Dep’t of Toxic Substances Control v. Alco Pac., Inc., 217 F. Supp. 2d 1028, 1033 14 (C.D. Cal. 2002); Guerrero v. Halliburton Energy Servs., Inc., 231 F. Supp. 3d 797, 802 (E.D. 15 Cal. 2017) (“Motions to strike are generally regarded with disfavor because of the limited 16 importance of pleading in federal practice, and because they are often used as a delaying tactic.”). 17 In exercising discretion whether to grant a motion to strike, the court views the pleadings in the 18 light most favorable to the non-moving party and resolves any doubt as to the sufficiency of a 19 defense in defendant’s favor, particularly if the moving party can demonstrate no prejudice. 20 California Dep’t of Toxic Substances Control, 217 F. Supp. 2d at 1033. 21 III. Discussion 22 Defendant’s answer to the complaint pleaded 42 affirmative defenses. Plaintiff moves to 23 strike the defenses on the following grounds: 24 [the defenses] (1) are not affirmative defenses but bare denials or legal sufficiency challenges; (2) lack factual allegations required by 25 Ashcroft v. Iqbal, 556 U.S. 662 (2009); (3) fail to provide fair notice under Wyshak v. City National Bank, 607 F.2d 824 (9th Cir. 1979); 26 (4) are duplicative; (5) contradict Defendant’s own admissions and conduct; and (6) assert frivolous constitutional challenges to 27 established law. 28 (ECF No. 11 at 2.) 1 Rule 8(c) governs the pleading of affirmative defenses and requires a responding party to 2 “affirmatively state” its affirmative defenses. Fed. R. Civ. P. 8(c). Defendant must give “fair 3 notice” of the affirmative defense pled. Wyshak v. City Nat’l Bank, 607 F.2d 824, 827 (9th Cir. 4 1979) (per curiam); see also Kohler v. Flava Enters., Inc., 779 F.3d 1016, 1019 (9th Cir. 2015). 5 Based on the Ninth Circuit’s decision in Kohler, this court “applies the ‘fair notice’ standard, and 6 not the heightened pleading standard announced in [Bell Atlantic Corp. v. Twombly, 550 U.S. 7 544 (2007)] and [Ashcroft v. Iqbal, 556 U.S. 662 (2009)], when evaluating motions to strike 8 affirmative defenses.” Tornincasa v. Liberty Life Assurance Co. of Bos., No. 2:19-CV-02002- 9 MCE-KJN, 2020 WL 2556905, at *1 (E.D. Cal. May 20, 2020).1 10 A defense that points out a defect in a plaintiff’s prima facie case, or “merely negates an 11 element” is not an affirmative defense. Zivkovic v. S. California Edison Co., 302 F.3d 1080, 1088 12 (9th Cir. 2002).2 However, because it is difficult to find prejudice in the mislabeling of such a 13 matter, courts are split on whether such defenses should be stricken. See, e.g. G & G Closed Cir. 14 Events LLC v. Almeda, No. CV-18-00672-PHX-ESW, 2018 WL 4539974, at *2 (D. Ariz. Sept. 15 21, 2018) (agreeing with Wright & Miller and other district court cases holding that denials 16 improperly pled as affirmative defenses should not be stricken for that reason alone). 17 Significantly, here, except as to any affirmative defense pleaded in a manner that fails to 18 give fair notice, plaintiff has not established prejudice will result from not striking affirmative 19

20 1 Plaintiff states Kohler requires a defendant to plead “sufficient factual matter to make the defense plausible.” (ECF No. 11-1 at 3.) The court does not agree. See Kohler, 779 F.3d at 1019 21 (“the ‘fair notice’ required by the pleading standards only requires describing the defense in “general terms”). 22 2 Plaintiff argues “[Zivkovic] held that ‘failure to state a claim is not an affirmative defense. It 23 should have been raised by a motion under Rule 12(b)(6).’” (ECF No. 11-1 at 4; ECF No. 19 at 13.) The language quoted by plaintiff does not appear in Zivkovic. This is not the only inaccuracy 24 with plaintiff’s use of quotation marks in the briefing for this motion. (See ECF No. 11-1 at 3: quotations from Wyshak v. City Nat’l Bank, 607 F.2d 824, 827 (9th Cir. 1979), Rosales v. 25 Citibank Fed. Sav. Bank, 133 F. Supp. 2d 1177, 1180 (N.D. Cal. 2001); and Neilson v. Union Bank of Cal., N.A., 290 F. Supp. 2d 1101, 1152 (C.D. Cal. 2003).) Plaintiff is instructed and 26 cautioned to only use quotation marks around a sentence followed by a case citation if that 27 sentence is found in the case. Even a pro se litigant has an obligation to confirm that arguments and case law submitted to the court are supported by existing law. See Pop Top Corp. v. Rakuten 28 Kobo Inc., No. 20-CV-04482-YGR (DMR), 2025 WL 2098597, at *3 (N.D. Cal. July 25, 2025). 1 defenses challenged as denials or otherwise technically improper.

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

Related

Watters v. Wachovia Bank, N. A.
550 U.S. 1 (Supreme Court, 2007)
Ashcroft v. Iqbal
556 U.S. 662 (Supreme Court, 2009)
Whittlestone, Inc. v. Handi-Craft Co.
618 F.3d 970 (Ninth Circuit, 2010)
Rosales v. Citibank, Federal Savings Bank
133 F. Supp. 2d 1177 (N.D. California, 2001)
Neilson v. Union Bank of California, N.A.
290 F. Supp. 2d 1101 (C.D. California, 2003)
Chris Kohler v. Flava Enterprises
779 F.3d 1016 (Ninth Circuit, 2015)
Guerrero v. Halliburton Energy Services, Inc.
231 F. Supp. 3d 797 (E.D. California, 2017)
Barnes & Noble, Inc. v. LSI Corp.
849 F. Supp. 2d 925 (N.D. California, 2012)
Wyshak v. City National Bank
607 F.2d 824 (Ninth Circuit, 1979)

Cite This Page — Counsel Stack

Bluebook (online)
Kamlesh Banga v. American Family Connect Property Casualty Insurance Company, Counsel Stack Legal Research, https://law.counselstack.com/opinion/kamlesh-banga-v-american-family-connect-property-casualty-insurance-caed-2026.