Michelle Bergiadis v. Thor Motor Coach, Inc.

CourtDistrict Court, N.D. Indiana
DecidedMarch 24, 2025
Docket3:23-cv-00614
StatusUnknown

This text of Michelle Bergiadis v. Thor Motor Coach, Inc. (Michelle Bergiadis v. Thor Motor Coach, Inc.) is published on Counsel Stack Legal Research, covering District Court, N.D. Indiana primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Michelle Bergiadis v. Thor Motor Coach, Inc., (N.D. Ind. 2025).

Opinion

NITED STATES DISTRICT COURT NORTHERN DISTRICT OF INDIANA SOUTH BEND DIVISION

MICHELLE BERGIADIS, et al.,

Plaintiffs,

v. Case No. 3:23-CV-614-CCB

THOR MOTOR COACH INC, et al.,

Defendants.

OPINION AND ORDER Plaintiffs Michelle and Nicholas Bergiadis bought a recreational vehicle (“RV”) that was manufactured by Defendant Thor Motor Coach, an Indiana corporation, from Giant RV in California. (ECF 44 at 4, ¶ 5). The purchase included a written limited warranty. (ECF 37-7, 37-8). Soon after taking delivery of the RV, Plaintiffs experienced issues with the RV that led them to seek repairs at least two times from Giant RV, one of Defendant’s service dealers in California, during their first year of ownership. The RV was out of service for at least 131 days while it was being repaired. Some issues remained even after the attempted repairs. As a result, Plaintiffs requested that Defendant repurchase the RV invoking a provision of California’s Song-Beverly Consumer Warranty Act, Cal. Civ. Code § 1793.2(d)(1). In response, Defendant tried to negotiate repairs rather than the statutory repurchase. Plaintiffs rejected Defendant’s offer. They also rejected Defendant’s later offers to trade-in or replace the RV. On these facts, Plaintiffs sued Defendant in California for breach of the express warranty, breach of implied warranty, and violation of the 30-day repair rule in Section 1793.2(b) of the Song-Beverly Act. The case was transferred to this Court based on the forum selection clause in the applicable warranty. Despite the warranty’s provision that

Indiana law would apply to any claims, the parties stipulated to application of California substantive law to all of Plaintiffs’ claims here in the Indiana court. That stipulation was memorialized in the California court’s transfer order. Before the Court now is Defendant’s motion for summary judgment on all of Plaintiffs’ claims. Based on the applicable law, facts, and arguments, Defendant’s motion for summary judgment will be granted in part and denied in part.

I. PRELIMINARY COMPLIANCE MATTERS On the Court’s Website, the undersigned has posted a document entitled Courtroom Procedures and Trial Practice Before Judge Cristal C. Brisco (“CPTP”). The parties are explicitly advised to “[k]now the Federal Rules of Civil . . . Procedure, the Federal Rules of Evidence, and the Local Rules of the United States District Court for the

Northern District of Indiana.” CPTP at 3. Additionally, “[m]otions for summary judgment and responses must comply with Fed. R. Civ. P. 56, Local Rule 56-1, and the procedures outlined therein.” CPTP at 5. Plaintiffs have not complied fully with the applicable rules and procedures. Local Rule 7-1(e)(1) limits supporting and response briefs related to any motion

to 25 pages excluding tables of contents, tables of authorities, and appendices. Briefs exceeding that limit may be filed only with leave of court. N.D. Ind. L.R. 7-1(e)(2). “The twenty-five (25) page limitation on all memoranda contained in Local Rule 7-1 shall be strictly enforced.” CPTP at 3. Plaintiffs violated Local Rule 7-1 by filing a 26-page response brief. (ECF 43). As a result, the Court has only considered the first 25 pages of Plaintiffs’ response brief in reaching the conclusions discussed below.

Local Rule 56-1(b)(2) requires the party opposing summary judgment to file a Response to Statement of Material Facts that includes among other things “additional facts in a section titled Additional Material Facts with numbered paragraphs continuing the sequential numbering of the Statement of Material Facts [filed by the moving party] for each additional material fact the opposing party contends is undisputed . . . .” N.D. Ind. L.R. 56-1(b)(2)(D). In their Response to Statement of Material Facts, Plaintiffs

presented a section titled “Local Rule 56-1(b)(2) Statement of Undisputed Material Facts” presenting 48 additional fact paragraphs that were not numbered sequentially as required by the Local Rule. These technical violations do not affect the outcome of this case, but they do increase the time and resources necessary for the Court and opposing parties to identify any genuinely disputed facts relevant to the pending motion for

summary judgment. See N.D. Ind. L.R. 56-1, Adv. Comm. Cmts. re: 2022 Amend. As to evidentiary exhibits, the CPTP directs parties to file motions and exhibits before related supporting briefs so that the briefs’ citations refer to the motions’ and exhibits’ docket numbers. CPTP at 4, 20. Specific to response briefs, parties are directed to file an appendix or index of exhibits, with any exhibits that will be cited in the

supporting brief attached, before filing the supporting brief. CPTP at 20. Plaintiffs filed their brief first (ECF 43) followed by their Response to Statement of Material Facts (ECF 44) and their Index of Exhibits (ECF 45). As a result, their citations to their exhibits do not include the docket numbers, adding even more time to the opposing party’s and the Court’s review of their filings. Plaintiffs complicated review further by incorporating all their exhibits into a single document with their Index of Exhibits rather than attaching

them as separate exhibits labeled with a descriptive identifier as directed. CPTP at 20. Plaintiffs did bookmark their exhibits in the large PDF document they filed, but still did not comply with the Court’s procedures. Plaintiffs’ citations to their exhibits also lacked reference to specific pages or paragraphs. Local Rule 56-1(e) states that “[t]he court may find a fact is not supported if the citation does not include a page or paragraph number to evidence in the record

which can be presented in an admissible form unless the court may take judicial notice of the fact.” If no other evidence in the record corroborates facts Plaintiffs assert through general references to its exhibits and if judicial notice of the asserted fact is unwarranted, the Court will find the fact to be unsupported in the record. II. FACTUAL BACKGROUND

These facts are largely not in dispute. Any disputed facts are either not material or will be addressed in the analysis below. For ease of reference, the Court cites mostly to the factual statements filed in the parties’ statements of material facts (ECF 39, 44, 51). On January 16, 2022, Michelle Bergiadis entered into a Retail Installment Sales Contract for a new 2022 Thor Miramar 37.1 motorhome (“the RV”) from Giant RV

Montclair, in Montclair, California. (ECF 51 at 10). Michelle’s January 16th contract was rewritten on February 4, 2022, adding Nicholas as a purchaser. (Id.). On February 4th, Michelle signed an acknowledgment of Rewritten Contract, which stated that the January 16th contract she entered was mutually rescinded and no longer had any legal effect. (Id.). According to the February 4th sales contract, the “Cash Price” of the RV before sales tax and fees was $190,500; the “Total Cash Price” including sales tax and

fees was $229,211.68; and the “Total Sale Price” including Plaintiffs’ down payment and the finance charges was $443,220.80. (ECF 44 at 9). On February 4, 2022, both Plaintiffs signed the Thor Motor Coach Product Warranty Registration Form in connection with their purchase of the RV. (Id. at 10–11). The Thor Limited Warranty (“the Limited Warranty” or “the Warranty”) states, among other things, that it “SHALL BE INTERPRETED AND CONSTRUED IN

ACCORDANCE WITH THE LAWS OF THE STATE OF INDIANA.” (ECF 44 at 13) (emphasis in original).

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Michelle Bergiadis v. Thor Motor Coach, Inc., Counsel Stack Legal Research, https://law.counselstack.com/opinion/michelle-bergiadis-v-thor-motor-coach-inc-innd-2025.