Plumlee v. Monroe Guaranty Insurance Co.

655 N.E.2d 350, 1995 Ind. App. LEXIS 1034, 1995 WL 505015
CourtIndiana Court of Appeals
DecidedAugust 28, 1995
Docket29A05-9410-CV-00408
StatusPublished
Cited by48 cases

This text of 655 N.E.2d 350 (Plumlee v. Monroe Guaranty Insurance Co.) is published on Counsel Stack Legal Research, covering Indiana Court of Appeals primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Plumlee v. Monroe Guaranty Insurance Co., 655 N.E.2d 350, 1995 Ind. App. LEXIS 1034, 1995 WL 505015 (Ind. Ct. App. 1995).

Opinion

RUCKER, Judge.

Plaintiffs-appellants April and Travis Plumlee (the Plumlees) sued appellants-defendants Monroe Guaranty Insurance Company, ("Monroe"), Charles R. Finnigan d/b/a Hueseman Insurance Company, and Thomas E. Lewis (collectively "Hueseman") for breach of contract and negligence arising out of a dispute over an insurance policy. Monroe eross-claimed against Hueseman and thereafter all parties filed motions for summary judgment. The trial court granted summary judgment in favor of Monrse and Hueseman on the Plumlees' complaint and granted summary judgment in favor of Monroe on its cross-claim against Hueseman. Both the Plumlees and Hueseman appeal contending the trial court erred in its orders of summary judgment. We affirm in part and reverse in part.

On August 9, 1990, a 1971 Ford flatbed truck owned by Lawn Cure of Southeast Indiana, Inc., and driven by one of its employees struck April Plumlee, a pedestrian. April filed suit against Lawn Cure for injuries sustained in the collision and her husband Travis Plumlee joined as a plaintiff on a loss of consortium claim. The matter was settled by entry of an agreed judgment in the amount of $700,000.00. The parties' settlement agreement provided in part that Lawn Cure, through its insurer Farm Bureau Mutual Insurance Company, would pay policy limits to the Plumlees in the amount of $500,000.00. Also included in the agreement was a clause releasing Lawn Cure and all entities identified in interest with it from any future claims arising out of the accident. Further, Lawn Cure assigned to the Plum-lees any claims it might have against Monroe Guaranty Insurance Company, Hueseman Insurance Company, and Thomas Lewis.

The assignment was based on the following facts. During the summer of 1989 Daniel *353 McConnell, president of Lawn Cure, and Thomas Lewis of the Hueseman Insurance Company, began discussions concerning Lawn Cure's insurance needs. At that time each of the vehicles owned by Lawn Cure was covered under an automobile lability policy and an umbrella policy with the Farm Bureau Insurance Company. Lewis originally filled out an application for automobile liability and umbrella coverage dated July 28, 1989, and forwarded the application to Monroe for a quotation. A second application was forwarded to Monroe on September 12, 1989. Both applications listed a 1977 Ford F-600 and a 1971 Ford truck. Monroe twice provided quotations to Hueseman, but because no action was taken within sixty days to procure policies of insurance, the quotations expired. Hueseman forwarded a third application to Monroe dated January 1, 1990. Although Lawn Cure apparently still owned both trucks at the time, 1 the only truck shown on the third application was identified as a "1977 Ford F-600 VIN/SERIAL NUMBER FS5YLK4T7486." Record at 178. Lawn Cure's 1971 Ford bore that VIN/serial number, not the 1977 Ford listed on the policy. On May 2, 1990, Monroe issued to Lawn Cure two policies of insurance: a Business Auto Policy and a Commercial Umbrella Liability Policy. The auto policy provided coverage for "[olnly those 'autos' described in ITEM THREE of the Declarations." Record at 127. The only Ford truck so de-seribed in the declarations was a "77 Ford F-600 Serial #7486." Record at 125.

When the Plumlees attempted to recover from Monroe the $200,000.00 balance on the judgment it had received against Lawn Cure, Monroe advised them that the 1971 Ford flatbed truck involved in the collision was not covered under the policies of insurance. Armed with the assignment agreement, the Plumlees filed suit against Monroe and Hueseman alleging negligence and breach of contract. Monroe in turn, cross-claimed against Hueseman for indemnity. Thereafter all parties filed motions for summary judgment. After conducting a hearing the trial court granted summary judgment in favor of Monroe and Hueseman on the Plum-lees' complaint and also granted summary judgment in favor of Monroe on its cross-claim against Hueseman. In so doing the trial court issued findings of fact and conclusions of law in support of its judgment. The Plumlees and Hueseman now appeal.

We first recount the familiar rule. When reviewing the propriety of a ruling on a motion for summary judgment, this court applies the same standard applicable to the trial court. Montgomery County Farm Bureau Coop. Assoc., Inc. v. Deseret Title Holding Corp. (1987), Ind.App., 518 N.E.2d 198, reh'g denied. We must consider the pleadings and evidence sanctioned by Ind.Trial Rule 56(C) without deciding their weight or credibility. Summary judgment should be granted only if such evidence shows that there is no genuine issue of material fact and that the moving party is entitled to judgment as a matter of law. Id. The movant bears the burden of proving the propriety of summary judgment, and all facts and inferences to be drawn therefrom are viewed favorably to the non-movant. Hawn v. Padgett (1992), Ind.App., 598 N.E.2d 630. Also, specific findings entered by the trial court when ruling on motions for summary judgment afford the appellant an opportunity to address the merits of the trial court's rationale. Fort Wayne Patrolman's Benevolent Ass'n, Inc. v. City of Fort Wayne (1980), Ind.App., 408 N.E.2d 1295, reh'g denied, 411 N.E.2d 630. The specific findings and conclusions also aid our review by providing us with a statement of reasons for the trial court's actions. However, they have no other effect. P.M.S., Inc. v. Jakubowski (1992), Ind.App., 585 N.E.2d 1380, 1381 n. 1. Thus we note the Plumlees' concern over the trial court's alleged inconsistent findings and conclusions. We base our decision however on the Rule 56 materials before us.

THE PLUMLEES COMPLAINT AGAINST MONROE

I.

The Plumlees first contend the trial court erred in entering summary judgment in fa *354 vor of Monroe on their breach of contract claim. According to the Plumlees the Vehicle Identification Number shown on the schedule should control the determination of what vehicle is actually covered under the Business Auto policy. Continuing their argument the Plumlees maintain that the policy should therefore be read as insuring a "1971" Ford truck rather than a "1977" Ford truck.

Contracts for insurance are subject to the same rules of interpretation and construction as are other contracts Eli Lilly and Co. v. Home Ins. Co. (1985), Ind., 482 N.E.2d 467; Sharp v. Indiana Union Mut. Ins. Co. (1988), Ind.App., 526 N.E.2d 237, trans. denied. Whenever summary judgment is granted based upon the construction of a written contract, the trial court has either determined as a matter of law that the contract is not ambiguous or uncertain, or the contract ambiguity, if one exists, can be resolved without the aid of a factual determination. Kutche Chevrolet, Inc. v. Anderson Banking Co. (1992), Ind.App., 597 N.E.2d 1307. Generally, construction of a written contract is a question of law for the trial court and therefore summary judgment is particularly appropriate. Id.

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

Related

Christodulos Stavens v. Federal Insurance Company
Court of Appeals of Kentucky, 2020
Liberty Mut. Ins. Co. v. Dometic Corp.
371 F. Supp. 3d 472 (N.D. Indiana, 2019)
Atlantic Casualty Insurance Co. v. Garcia
227 F. Supp. 3d 990 (N.D. Indiana, 2017)
Beneficial Financial I Inc. v. Hatton
998 N.E.2d 232 (Indiana Court of Appeals, 2013)
Bachman v. AMCO Insurance
897 F. Supp. 2d 780 (N.D. Indiana, 2012)
French v. State Farm Fire & Casualty Co.
950 N.E.2d 303 (Indiana Court of Appeals, 2011)
Estate of Luster v. Allstate Insurance
598 F.3d 903 (Seventh Circuit, 2010)
Estate of Mintz v. CONN. GEN. LIFE INS.
903 N.E.2d 516 (Indiana Court of Appeals, 2009)
Estate of Mintz v. Connecticut General Life Insurance Co.
905 N.E.2d 994 (Indiana Supreme Court, 2009)

Cite This Page — Counsel Stack

Bluebook (online)
655 N.E.2d 350, 1995 Ind. App. LEXIS 1034, 1995 WL 505015, Counsel Stack Legal Research, https://law.counselstack.com/opinion/plumlee-v-monroe-guaranty-insurance-co-indctapp-1995.