Miletak v. Nationwide Mutual Insurance Company

CourtDistrict Court, N.D. California
DecidedJuly 11, 2025
Docket5:25-cv-03931
StatusUnknown

This text of Miletak v. Nationwide Mutual Insurance Company (Miletak v. Nationwide Mutual Insurance Company) is published on Counsel Stack Legal Research, covering District Court, N.D. California primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Miletak v. Nationwide Mutual Insurance Company, (N.D. Cal. 2025).

Opinion

1 2 3 4 UNITED STATES DISTRICT COURT 5 NORTHERN DISTRICT OF CALIFORNIA 6 7 NICK MILETAK, Case No. 5:25-cv-03931-PCP

8 Plaintiff, ORDER DENYING MOTIONS FOR A 9 v. PRELIMINARY INJUNCTION AND SUMMARY JUDGMENT AND TO 10 NATIONWIDE MUTUAL INSURANCE STRIKE AFFIRMATIVE DEFENSES COMPANY, et al., 11 Re: Dkt. Nos. 2, 15, 16 Defendants.

12 13 Pro se plaintiff Nick Miletak brings a declaratory judgment action against defendants 14 Nationwide Mutual Insurance Company and AMCO Insurance Company regarding defendants’ 15 duty to defend and indemnify Miletak, pursuant to a homeowner’s insurance policy that Miletak’s 16 mother purchased, in a California state court malicious prosecution lawsuit. Before the Court are 17 Miletak’s motions for a preliminary injunction and summary judgment and to strike defendants’ 18 affirmative defenses. For the following reasons, Miletak’s motions are denied. 19 BACKGROUND 20 This case concerns Miletak’s appeal of a malicious prosecution judgment against him in 21 California state court and a homeowners’ insurance policy that Miletak’s mother purchased in the 22 early 2000s. 23 Miletak resided at 14745 Conway Avenue, San Jose, CA 95124 from September 1993 to 24 April 10, 2021 with his mother Filka Miletak and his brother Vlaho Miletak. According to 25 Miletak, his mother died on April 10, 2021, and Miletak continued living at that address with his 26 brother until May 5, 2023. 27 Sometime in the early 2000’s—around 2004, according to Miletak—Filka Miletak 1 Agency, LCC. Defendants assert that the policy listed 14745 Conway Avenue, San Jose, CA 2 95124 as the “insured location” and named Filka Miletak and Vlaho Miletak as insureds. The 3 policy also covered other residents at the insured location. Miletak asserts that he is also a “named 4 insured” under the policy, while defendants contend that if Miletak is covered by the policy it is 5 only as a resident. According to defendants, the policy included personal injury coverage for 6 malicious prosecution and required that an insured requesting coverage for an “occurrence” 7 provide defendants timely written notice of a claim as soon as practicably reasonable. 8 In April 2015, Miletak filed a lawsuit against Royal Coach Tours, Inc. in Santa Clara 9 County Superior Court for intentional misrepresentation, breach of contract, promissory estoppel, 10 and constructive damages. The court dismissed Miletak’s claims with prejudice and the California 11 Court of Appeal affirmed. On March 4, 2020, Royal Coach filed a lawsuit against Miletak for 12 malicious prosecution related to Miletak’s 2015 case against the company. In June 2024, Royal 13 Coach obtained a monetary judgment against Miletak at trial in the amount of $257,197.53: 14 $52,879.01 in compensatory damages, $79,318.52 in reputational harm damages, and $125,000 in 15 exemplary damages pursuant to California Civil Code section 3294. Miletak appealed to the 16 California Court of Appeal, and that appeal is ongoing. 17 Miletak asserts that defendants are obligated to provide him with appellate defense counsel 18 in that lawsuit and to indemnify him against any judgment pursuant to the homeowners’ insurance 19 policy. 20 Miletak contacted defendants about personal injury coverage under the insurance policy on 21 February 4, 2022. At approximately 4:21 p.m., Miletak called defendants’ claim department and 22 spoke to an intake representative. The parties dispute the substance of that call. Miletak claims that 23 the call lasted 35 minutes and that the representative incorrectly informed him that he did not have 24 personal liability coverage. He states that the representative refused to process his claim and 25 referred him to his insurance agent, Patrick Eilert. 26 Defendants claim that Miletak asked the intake representative whether the homeowner 27 policy in question would cover a property owner being sued. The representative explained that a 1 coverage. The representative offered to obtain information from Miletak to open a claim but 2 Miletak declined and asked to speak to a manager instead. The representative transferred Miletak 3 to her manager. Miletak did not file a claim. 4 On October 17, 2024, approximately four months after the judgment against him at trial, 5 Miletak filed a written claim with defendants. Defendants denied that claim due to untimely 6 notice. They explained that Miletak’s failure to notify them of Royal Coach’s lawsuit against him 7 until more than four years after it was filed deprived them of an opportunity to investigate, hire 8 defense counsel, and attempt to settle the lawsuit, which constituted substantial prejudice. 9 Miletak filed this lawsuit and an ex parte application for emergency relief on May 6, 2025. 10 The Court converted that application into a motion for preliminary injunction. Miletak proceeded 11 to file a motion for summary judgment and a motion to strike defendants’ affirmative defenses. 12 LEGAL STANDARDS 13 I. Preliminary Injunction 14 “A plaintiff seeking a preliminary injunction must establish that he is likely to succeed on 15 the merits, that he is likely to suffer irreparable harm in the absence of preliminary relief, that the 16 balance of equities tips in his favor, and that an injunction is in the public interest.” Winter v. Nat. 17 Res. Def. Council, Inc., 555 U.S. 7, 21 (2008). Under the “sliding scale” variant of the same 18 standard, “if a plaintiff can only show that there are ‘serious questions going to the merits’—a 19 lesser showing than likelihood of success on the merits—then a preliminary injunction may still 20 issue if the ‘balance of hardships tips sharply in the plaintiff's favor,’ and the other 21 two Winter factors are satisfied.” All. for the Wild Rockies v. Peña, 865 F.3d 1211, 1217 (9th Cir. 22 2017) (quoting Shell Offshore, Inc. v. Greenpeace, Inc., 709 F.3d 1281, 1291 (9th Cir. 2013)). 23 Under either version of the standard, a plaintiff must demonstrate that they are likely to suffer 24 irreparable injury in the absence of preliminary relief. “The grant of a preliminary injunction is the 25 exercise of a very far reaching power never to be indulged in except in a case clearly warranting 26 it.” Dymo Indus., Inc. v. Tapeprinter, Inc., 326 F.2d 141, 143 (9th Cir. 1964). 27 II. Summary Judgment 1 as to any material fact and the movant is entitled to judgment as a matter of law.” Fed. R. Civ. P. 2 56(a). A fact is material if it “might affect the outcome of the suit under the governing law,” and a 3 dispute about a material fact is genuine “if the evidence is such that a reasonable jury could return 4 a verdict for the nonmoving party.” Anderson v. Liberty Lobby, Inc., 477 U.S. 242, 248 (1986). 5 The moving party bears the initial burden to demonstrate a lack of genuine factual 6 dispute. Celotex v. Catrett, 477 U.S. 317, 323 (1986). If the moving party meets that burden, the 7 burden shifts to the opposing party to set forth facts showing that a genuine issue of disputed fact 8 remains. Id. The evidence and inferences drawn from the facts must be viewed in the light most 9 favorable to the nonmoving party. Anderson, 477 U.S. at 255.

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

Related

Anderson v. Liberty Lobby, Inc.
477 U.S. 242 (Supreme Court, 1986)
Dymo Industries, Inc. v. Tapeprinter, Inc.
326 F.2d 141 (Ninth Circuit, 1964)
Shell Offshore, Inc. v. Greenpeace, Inc.
709 F.3d 1281 (Ninth Circuit, 2013)
LeDuc v. Kentucky Central Life Insurance
814 F. Supp. 820 (N.D. California, 1992)
USLIFE Savings & Loan Ass'n v. National Surety Corp.
115 Cal. App. 3d 336 (California Court of Appeal, 1981)
Select Insurance v. Superior Court
226 Cal. App. 3d 631 (California Court of Appeal, 1990)
Collin v. American Empire Insurance
21 Cal. App. 4th 787 (California Court of Appeal, 1994)
Jamestown Builders, Inc. v. General Star Indemnity Co.
91 Cal. Rptr. 2d 514 (California Court of Appeal, 1999)
Smith v. Levine Leichtman Capital Partners, Inc.
723 F. Supp. 2d 1205 (N.D. California, 2010)
Alliance for the Wild Rockies v. Jim Pena
865 F.3d 1211 (Ninth Circuit, 2017)
Keenan v. Allan
91 F.3d 1275 (Ninth Circuit, 1996)
Free Speech Sys., LLC v. Menzel
390 F. Supp. 3d 1162 (N.D. California, 2019)

Cite This Page — Counsel Stack

Bluebook (online)
Miletak v. Nationwide Mutual Insurance Company, Counsel Stack Legal Research, https://law.counselstack.com/opinion/miletak-v-nationwide-mutual-insurance-company-cand-2025.