Kyle Zachary Rowland v. Kyle Trevor McGovern

• Court: Court of Appeals of Georgia
• Decided: June 29, 2026
• Docket: A26A0117
• Status: Published

Opinion

FIFTH DIVISION BROWN, C. J., RICKMAN, P. J., and MERCIER, J.

NOTICE: Motions for reconsideration must be physically received in our clerk’s office within ten days of the date of decision to be deemed timely filed. https://www.gaappeals.gov/rules

June 29, 2026

In the Court of Appeals of Georgia A26A0116; A26A0117. MCGOVERN v. ROWLAND; and vice versa.

RICKMAN, Presiding Judge.

These consolidated cases arise out of a January 2022 motor-vehicle collision

between Kyle Zachary Rowland and State Farm Automobile Insurance Company’s

insured, Kyle Trevor McGovern. The costs associated with Rowland’s injuries exceed

McGovern’s policy limits. Rowland’s counsel made a pre-suit offer to State Farm to

settle Rowland’s claims for the policy limits, which State Farm attempted to accept;

Rowland’s counsel rejected State Farm’s acceptance, contending that State Farm

failed to meet the terms of the demand. Rowland filed suit, and McGovern filed a

motion to enforce the settlement. The trial court denied McGovern’s motion and the case proceeded to trial, resulting in a substantial jury verdict in Rowland’s favor. The

trial court entered judgment on the jury’s verdict.

1. In Case No. A26A0116, our Court is again being asked to resolve the question

of whether Rowland’s offer to settle and State Farm’s attempted acceptance of that

offer resulted in a binding settlement agreement pursuant to the 2021 version of

OCGA § 9-11-67.1, which governs the communications in this case.1

For context, we begin by noting that OCGA § 9-11-67.1 governs offers made

prior to the filing of an answer to settle personal injury claims arising from injuries due

to automobile accidents.2 It was originally enacted in 2013 in an effort to address

lingering ambiguities and continued litigation regarding the scope of an insurer’s duty

with respect to a time-limit settlement demand once our Supreme Court determined

that an insurer may be liable to its insured for a bad faith failure to settle claim. See

Grange Mut. Cas. Co. v. Woodard, 300 Ga. 848, 856–57(2)(b) (797 SE2d 814) (2017);

1 OCGA § 9-11-67.1 was enacted in 2013 and amended in 2021 and 2024. The communications in this case were exchanged in 2022 and are governed by the 2021 version of the statute. 2 Specifically, the statute governs any offer, made prior to the filing of an answer, “to settle a tort claim for personal injury, bodily injury, or death arising from the use of a motor vehicle and prepared by or with the assistance of an attorney on behalf of a claimant or claimants[.]” OCGA § 9-11-67.1(a)(2021). 2 Southern Gen. Ins. Co. v. Holt, 262 Ga. 267, 269(1) (416 SE2d 274) (1992). The statute

set forth certain terms that, at a minimum, were required to be included in a pre-suit

settlement demand3 and allowed recipients of such a demand the right to seek

clarification regarding its terms without the request being deemed a counteroffer. See

OCGA § 9-11-67.1 (2013). It was passed against the backdrop of – and resulted in

tension with – common law contract principles, such as “an offeror is the master of

his or her offer” and “[an] offer must be accepted unequivocally and without variance

of any sort.”Woodard, 300 Ga. at 852-53(2)(a). It did not curtail further litigation. See

generally Gomez v. USAA Cas. Ins. Co., 378 Ga. App. 702, 708-09(2) (926 SE2d 687)

(2026); White v. Cheek, 360 Ga. App. 557, 564 (859 SE2d 104) (2021) (McFadden, J.,

special concurrence).

OCGA § 9-11-67.1 was amended in 2021 to expand upon the statutory material

terms4 of a settlement demand and add a provision that, “[u]nless otherwise agreed

3 The material terms of an offer to settle made pursuant to OCGA § 9-11-67.1(a) (2013) included the time period within which such offer must be accepted, not less than 30 days from receipt of the offer; the amount of monetary payment; the party or parties to be released upon acceptance of the offer; the type of release to be provided; and the claims to be released. 4 The amendment added a requirement that an offer to settle include medical or other records in the offeror’s possession sufficient to allow the recipient to evaluate 3 by both the offeror and the recipients in writing,” those material terms “shall be the

only terms which can be included in an offer to settle made under” the statute. OCGA

§ 9-11-67.1(a),(b)(1) (2021). The 2021 amendment further added that, “[t]he

recipients of an offer to settle made under this Code section may accept the same by

providing written acceptance of the material terms outlined in subsection (a) of this

Code section in their entirety.” Id. at (b)(2) (2021).

In this case, following the motor-vehicle accident, Rowland’s counsel sent State

Farm a letter on May 23, 2022 offering to settle his claims against McGovern in

exchange for payment of the $100,000 personal-injury policy limit. The settlement

offer explicitly set forth the material terms being made pursuant to OCGA § 9-11-

67.1(a)(1) (2021), which included that (1) the offer must be accepted within 35 days;

(2) the monetary payment must be for the full amount of the policy limits; (3) the

release would extend only to McGovern, and Rowland would agree to release

McGovern, except to the extent other insurance coverage was available to cover

Rowland’s claims; (4) the release would be a limited release that preserved Rowland’s

the claim; and provided that the offer may include a term requiring the recipient to provide a statement, under oath, that all liability and casualty insurance issued by the recipient that provides or may provide coverage for the claim at issue has been disclosed. Id. at (a)(2), (3). 4 right to seek all other insurance coverage through any other policies of insurance; (5)

the claims being released would include only the personal injury/bodily injury claims

held by Rowland against McGovern; and (6) State Farm must provide written

acceptance of all of the material terms pursuant to OCGA § 9-11-67.1(b)(2). The letter

provided that “[t]he material terms made pursuant to OCGA 9-11-67.1(a)(1), outlined

immediately above, must be accepted unequivocally and without variance of any

sort.”

Relevant to this appeal, the settlement offer further provided that,

In addition to the above materials terms made pursuant to OCGA 9-11-67.1(a)(1), the following actions must be completed to form a binding settlement contract, and completion of each and every one of the following actions, without variance of any sort, is required under this written offer of compromise to form a binding settlement agreement: ...

Pursuant to OCGA 9-11-67.1(g), State Farm is required to make payment within forty-five (45) days from State Farm’s receipt of this offer... State Farm’s payment may be made through any of the methods outlined under OCGA 9-11- 67.1(f). However, should payment be made by money order, cashier’s check, draft, or bank check, such payment shall be made payable to “Protentis Law LLC in trust for Kyle Rowland....”

5 This offer of compromise cannot be accepted by a mere statement of unconditional acceptance of this offer; instead, acceptance of this offer requires full performance of all actions required herein - without variance of any sort - in addition to written acceptance of the material terms of this offer made pursuant to OCGA 9-11-67.1(a)(1).

(Emphasis in original.)

State Farm’s counsel sent a letter conveying State Farm’s “acceptance of your

May 23, 2022 settlement demand” that included a proposed limited release and a

sworn statement by a State Farm representative that all policies had been disclosed.

The letter also indicated that a check would be forthcoming. When the check arrived,

it was issued to “PROTENTIS LAW LLC IN TRUST FOR & KYLE ZACHARY

ROWLAND” and included a notation on the back that it “MUST BE ENDORSED

BY ALL PAYEES.”

Rowland subsequently filed a negligence action against McGovern, contending

that the non-conforming check (the inclusion of an “&” in the payment line and the

requirement that the check must be endorsed by all payees) amounted to a rejection

of the settlement offer. McGovern answered the complaint, then filed a motion to

enforce the settlement agreement. Following a hearing, the trial court denied the

6 motion, and the case proceeded to trial. The jury awarded a substantial monetary

award in favor of Rowland, and the trial court entered judgment on the verdict.

McGovern contends that his written acceptance of the settlement offer created

a binding settlement agreement exclusively as to the material terms of OCGA § 9-11-

67.1(a) (2021), and that the additional terms with which he did not comply were

irrelevant with respect to the formation of a binding contract. We disagree.

Although the 2021 amendment to OCGA § 9-11-67.1 gave an insurer the option

of accepting a settlement offer only under the statutory terms set forth in subsection

(a), it did not eliminate the freedom to mutually agree in writing to be bound by

conditions outside of those terms. See OCGA § 9-11-67.1(c) (“Nothing in this Code

section is intended to prohibit parties from reaching a settlement agreement in a

manner and under terms otherwise agreeable to both the offeror and recipient of the

offer.”); Gomez, 378 Ga. App. at(2) (926 SE2d 687) (“[A] recipient can accept an

offer under the statutory terms [of the 2021 version of OCGA § 9-11-67.1] or it can

agree to be bound by more terms. If the offeror and recipient both agree in writing to

operate under additional terms, common-law principles still apply.”) (citation

modified); Redfearn v. Moore, 371 Ga. App. 655, 657(1) (902 SE2d 233) (2024) (by

7 agreeing in writing to the conditions of plaintiff’s settlement offer, which included

non-statutory terms, the issuance of a check inconsistent with those conditions

constituted a rejection of the offer).

Here, State Farm “accept[ed] ... [Rowland’s] May 23, 2022 settlement

demand” without limitation. As such, it agreed to be bound not only to the statutory

terms, but also by the additional conditions set forth in the letter, including the

demand that, should State Farm pay by check, it must be made out as directed

“without variance of any sort.” See Bonilla v. Ventura, 378 Ga. App. 299, 303 (1) (925

SE2d 746) (2026) (holding that by agreeing to the terms of plaintiff’s demand “as

presented,” the insurer agreed to be bound by conditions outside the statutory terms);

Redfearn, 371 Ga. App. at 657(1). Compare Squires v. Vincent,379 Ga. App. 184, 188(3)

(928 SE2d 276) (2026) (holding that a binding settlement agreement was formed

under OCGA § 9-11-67.1 (2021) when insurer “accepted the material statutory terms

of the offer in writing” and rejected any non-statutory terms); Gomez, 378 Ga. App.

at 711-12 (2) (affirming the trial court’s ruling that a binding settlement agreement was

formed when the insurer “agreed in writing only to the statutory material terms of

[plaintiff’s] offer and rejected any non-statutory terms”) (emphasis in original). It

8 follows that the trial court did not err by concluding that State Farm agreed to the

conditions set forth in Rowland’s settlement offer and that its non-conforming check

amounted to a rejection of that offer; consequently, we affirm the trial court’s denial

of State Farm’s motion to enforce. See Redfearn, 371 Ga. App. at 657(1).

2. In Case No. A26A0117, Rowland cross-appeals, asserting that the trial court

erred by failing to enter judgment on the jury’s verdict nunc pro tunc to the date the

verdict was rendered. Rowland argues that by doing so, the trial court deprived him

of four months of post-judgment interest.5

Georgia statutory law provides that “[a]ll judgments in this state shall bear

annual interest upon the principal amount recovered at a rate equal to the prime rate

as published by the Board of Governors of the Federal Reserve System ... on the day

the judgment is entered plus 3 percent.” OCGA § 7-4-12(a). Further, the law gives

a trial court the authority to enter a judgment nunc pro tunc so as to date back to the

day that a jury verdict is rendered. See Taylor v. Devereux Found., 316 Ga. 44, 95(IX)

(885 SE2d 671) (2023) (“A trial court may enter a judgment nunc pro tunc to perfect

5 The jury rendered its verdict on December 20, 2024, and Rowland filed a motion for judgment on the verdict two weeks later. For reasons unexplained in the record, the trial court did not enter judgment on the verdict until April 21, 2025. 9 the record and properly reflect when an order or judgment should have been entered.”

(punctuation omitted)); Wingate Land & Development v. Robert C. Walker, Inc., 252

Ga. App. 818, 823(5) (558 SE2d 13) (2001) (holding trial court did not abuse its

discretion by entering judgment nunc pro tunc). See also OCGA § 15-1-3(6) (“Every

court has the power ... [t]o amend and control its processes and orders, so as to make

them conformable to law and justice, and to amend its own records, so as to make

them conform to the truth[.]”).

But the law does not impose a time limit in which the trial court must enter

judgment following a jury’s verdict. See Jefferson v. Ross, 250 Ga. 817, 818 (301 SE2d

268) (1983) (“The cases uniformly hold that a court may enter judgment at any time

after a jury verdict.”). See also OCGA § 9-11-58. And significantly, the law does not

mandate that a trial court exercise its nunc pro tunc authority when it enters judgment

on a verdict. See generally Chapman v. Chattooga Oilmill Co., 22 Ga. App. 446, 449

(96 SE 579) (1918) (“[T]he discretion is given to the court or judge to order a

judgment to be entered nunc pro tunc.” (punctuation omitted)). But see City of Milton

v. Chang, 373 Ga. App. 667, 680(3)(b) (906 SE2d 784) (2024).6

6 Chang has been vacated by our Supreme Court based upon other grounds. See City of Milton v. Chang, __ Ga. __ (928 SE2d 1) (2026). Nevertheless, because the 10 An abuse of discretion occurs when a trial court “significantly misapplies the

law or clearly errs in a material factual finding.” In re R.W., 315 Ga. App. 227,

232(3)(c) (726 SE2d 708) (2012) (punctuation omitted). We cannot say that the trial

court abused its discretion by failing to exercise its nunc pro tunc authority in this

case.

Judgments affirmed . Brown, C. J., and Mercier, J., concur.

Supreme Court’s opinion did not address the nunc pro tunc ruling, we disapprove of Chang to the extent that our opinion states that the Supreme Court’s holding in Taylor, 316 Ga. at 96(IX), “dictates” that a trial court must enter judgment nunc pro tunc to the date of a jury’s verdict. See Chang, 373 Ga. App. at 680(3)(b). We circulated this decision among all nondisqualified judges of the Court to consider whether the disapproval of Chang should be passed upon by all members of the Court, but fewer than the required number of judges voted in favor of a hearing en banc.