Mushynkevych v. Infinity Auto Insurance Company

CourtDistrict Court, S.D. Florida
DecidedApril 8, 2025
Docket1:24-cv-24674
StatusUnknown

This text of Mushynkevych v. Infinity Auto Insurance Company (Mushynkevych v. Infinity Auto Insurance Company) is published on Counsel Stack Legal Research, covering District Court, S.D. Florida primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Mushynkevych v. Infinity Auto Insurance Company, (S.D. Fla. 2025).

Opinion

UNITED STATES DISTRICT COURT SOUTHERN DISTRICT OF FLORIDA

Case No. 24-cv-24674-BLOOM/Elfenbein

OLENA V. MUSHYNKEVYCH, A/A/O SERGEJ TEWS,

Plaintiff,

v.

INFINITY AUTO INSURANCE COMPANY AND ESSENTIA INSURANCE COMPANY,

Defendants. _________________________/

OMNIBUS ORDER ON MOTION FOR LEAVE TO FILE SECOND AMENDED COMPLAINT AND MOTION TO REMAND

THIS CAUSE is before the Court upon Plaintiff Olena Mushynkevych’s Motion for Leave to File Second Amended Complaint (“Motion to Amend”), ECF No. [20], and Motion to Remand, ECF No. [21]. Defendant Essentia Insurance (“Essentia”) filed Responses in Opposition, ECF No. [34], [35] to which Plaintiff filed a Reply, ECF No [48]. The Court has reviewed the Motions, the supporting and opposing submissions, the record, and is otherwise fully advised. For the reasons that follow, Plaintiff’s Motions are granted. I. BACKGROUND This matter arises from a car accident and the resulting insurance dispute between Plaintiff, the driver Sergej Tews (“Tews”), and Plaintiff’s and Tews’ respective insurance companies. Plaintiff is the owner of a 2018 Ferrari (“Vehicle”) insured by Defendant Essentia. On August 24, 2023, Plaintiff gave Tews express consent to borrow the Vehicle. ECF No. [1-2] at 3. That same day, Tews was driving the Vehicle and was involved in a single-car collision, causing significant damage to the Vehicle. See id. While Plaintiff claims the Vehicle damage was covered by her insurance policy with Defendant Essentia, Tews also had an insurance policy with Defendant Infinity Auto Insurance Company (“Infinity”) which provided comprehensive and collision coverage to Tews and his insured auto. See id. at 2-4. Plaintiff alleges she and Tews timely provided Defendant Infinity with notice of the loss, but Infinity denied coverage for the Vehicle. See id. at 4. Plaintiff also timely filed a notice of loss with Defendant Essentia under her own policy, but Essentia has also failed to reimburse Plaintiff’. See id. at 5. On September 14, 2023, Plaintiff filed a complaint in the Circuit Court of the Eleventh Judicial Circuit for Miami-Dade County, Florida against Defendant Infinity for breach of contract in failing to provide coverage pursuant to Tews’ insurance policy. ECF No. [1-1]. On July 24, 2024, Plaintiff retained new counsel, and thereafter filed the Amended Complaint, adding a breach

of contract claim against Defendant Essentia. ECF Nos. [1-2]; [19]. Plaintiff served the Amended Complaint on October 30, 2024, and Essentia removed the case to federal court on November 27, 2024.1 ECF No. [1]. Shortly thereafter, on December 5, 2024, Essentia filed a Motion to Abate, to Strike, and/or Dismiss the Amended Complaint. ECF No. [8]. In its Motion, Essentia requests the Court to abate the action “to allow Essentia to complete its claims investigation.” Id. at 1. Essentia claims Plaintiff’s daughter was in the Vehicle with Tews when the accident occurred and that she operates a Turo account, which allows individual car owners to rent their vehicles to third parties

1 As will be discussed later in this Order, the Court questions whether removal was timely given that removal was based on the Court’s diversity jurisdiction and removal occurred more than one year after the case was filed. See McCoy v. Washington, 7:24-cv-00879, 2024 WL 4545972, at *2 (N.D. Ala. Oct. 22, 2024) (“if the case is removable based on diversity jurisdiction it cannot be removed more than one-year after the complaint was filed, unless the plaintiff acted in bad faith to prevent removal.”) (quoting 28 U.S.C. § 1446(c)(1)). in a private, online, ‘rental marketplace.’”2 Id. at 3. Essentia also asserts that Plaintiff’s policy provides the following limitation on coverage: Coverage will be suspended if “your covered auto” is: (A) Rented or leased to any person for a fee; (B) Used to carry persons or property for a fee, or for any commercial use unless prior written consent has been obtained from us; or (C) Used for any illegal act by any person.

Id. Given the discovery of the Turo account and the terms of the policy, Essentia contends it should be given an opportunity to make a claim determination before this case moves forward. See id. at 5. On December 24, 2024, Infinity filed a Motion to Dismiss on different grounds. ECF No. [17]. Infinity contends that the breach of contract claim against it must be dismissed because Plaintiff has failed to allege sufficient allegations to demonstrating privity of contract between Plaintiff and Infinity as there is a no showing of a valid assignment. See id. at 5-6. On January 1, 2025, Plaintiff filed a Motion to Drop Infinity from the case, claiming that Plaintiff’s prior counsel erroneously named Infinity instead of Tews as a Defendant. ECF No. [19]. Plaintiff then proceeded to file a Motion Seeking Leave to file a Second Amended Complaint. ECF No. [20]. The proposed Second Amended Complaint adds Tews (a non-diverse party) as a Defendant and asserts one count of negligence against Tews for negligently operating Plaintiff’s automobile and causing the accident. See id. at 5. Because Plaintiff and Tews are both citizens of Florida, Plaintiff contends that joining Tews as a Defendant will destroy the Court’s diversity jurisdiction. See ECF No. [21] at 3. Since there is no other alleged basis for federal subject matter, Plaintiff also seeks remand of the case. Id. Essentia opposes Plaintiff’s Motion for Leave to Amend and to Remand, arguing that Plaintiff’s efforts to join Tews is simply an attempt to destroy diversity and avoid federal

2 Essentia also claims it “discovered photographs seemingly of the Ferrari in question offered for rent on Turo’s website.” ECF No. [8] at 3. jurisdiction. See ECF No. [34]. Essentia argues that given Plaintiff’s motivation and the prejudice Essentia would suffer were the Court to allow joinder, the Court should deny Plaintiff’s Motion to Amend, and the accompanying Motion to Remand, and proceed with this case in federal court. Seed id. at 2. II. LEGAL STANDARD A. Diversity Jurisdiction—28 U.S.C. § 1332 (a)(1) and 28 U.S.C. § 1447(e) Federal courts are courts of limited jurisdiction and, therefore, a state court case may be removed to federal court only if the controversy involves a federal question or the federal court has diversity jurisdiction. See 28 USC § 1331; 28 USC § 1332(a)(1); Hickerson v. Enterprise Leasing Co. of Ga., LLC, 818 F. App’x 880 (11th Cir. 2020). A case satisfies the diversity jurisdiction requirements necessary for removal “where the matter in controversy exceeds the sum

or value of $75,000, exclusive of interest and costs,” and “there is complete diversity between all named plaintiffs and all named defendants3 and no defendant is a citizen of the forum State.” § 1332; Lincoln Prop. Co. v. Roche, 546 U.S. 81, 84 (2005). Because diversity jurisdiction requires complete diversity at all stages of a case, diversity jurisdiction will be destroyed if a non-diverse party is joined following removal. See Ingram v. CSX Transp., Inc., 146 F. 3d 858, 862 (11th Cir. 1998). Once diversity is destroyed, the federal court lacks jurisdiction and the case must be remanded back to state court. Id. When a plaintiff attempts to join a party that would destroy diversity jurisdiction after the case has been removed to federal court, 28 U.S.C. § 1447(e) applies. Id. Section 1447(e) provides

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