Ranchod v. AIG Property Casualty Company

CourtDistrict Court, W.D. Washington
DecidedFebruary 7, 2024
Docket2:23-cv-01642
StatusUnknown

This text of Ranchod v. AIG Property Casualty Company (Ranchod v. AIG Property Casualty Company) is published on Counsel Stack Legal Research, covering District Court, W.D. Washington primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Ranchod v. AIG Property Casualty Company, (W.D. Wash. 2024).

Opinion

1 2

3 4 5 6 7 UNITED STATES DISTRICT COURT WESTERN DISTRICT OF WASHINGTON 8 AT SEATTLE

9 10 SURESH U. RANCHOD, CASE NO. C23-1642JLR 11 Plaintiff, ORDER v. 12 AIG PROPERTY CASUALTY 13 COMPANY, et al., 14 Defendants. 15 I. INTRODUCTION 16 Before the court is Plaintiff Suresh U. Ranchod’s motion to remand this action to 17 King County Superior Court. (Mot. (Dkt. # 9); Reply (Dkt. # 15).) Defendant AIG 18 Property Casualty Company (“AIG”) opposes the motion, and Defendant Madison S. 19 Coppock takes no position on the motion to remand. (AIG Resp. (Dkt. # 13); Coppock 20 Resp. (Dkt. # 18); see also Ranchod Supp. Reply (Dkt. # 22) (replying to Ms. Coppock’s 21 response); AIG Supp. Reply (Dkt. # 24 (same).) The court has considered the 22 1 submissions of the parties, the relevant portions of the record, and the governing law. 2 Being fully advised,1 the court GRANTS Mr. Ranchod’s motion to remand, DENIES Mr.

3 Ranchod’s request for attorney’s fees and costs, and REMANDS this matter to King 4 County Superior Court. 5 II. BACKGROUND 6 This matter originally arose from a 2018 automobile collision between Mr. 7 Ranchod and Ms. Coppock. (See 2d Supp. Compl. (Dkt. # 1-2) ¶¶ 3.1-3.6.) Mr. Ranchod 8 filed the first iteration of this lawsuit against Ms. Coppock in King County Superior

9 Court on June 10, 2021. (See Compl. (Baker Decl. (Dkt. # 2) ¶ 4, Ex. 4) at 1.) Mr. 10 Ranchod alleged in his initial complaint that he and Ms. Coppock “resided at all relevant 11 times in Seattle, King County, Washington.” (Compl. ¶¶ 1.1-1.2.) With respect to 12 damages, he alleged only that he was seeking judgment “in an amount to be determined 13 at trial.” (Id. ¶ 7.1.)

14 When the collision occurred, Ms. Coppock and her vehicle were covered by two 15 AIG liability insurance policies. (2d Supp. Compl. ¶¶ 3.6-3.9.) AIG determined that Mr. 16 Ranchod’s claim was covered by the policies and assigned counsel to defend Ms. 17 Coppock in Mr. Ranchod’s lawsuit. (See id. ¶¶ 3.18, 3.26.) After the parties engaged in 18 discovery and mediation, Mr. Ranchod made a policy limits settlement demand of

19 $2,250,000. (Id. ¶¶ 3.24-3.29.) AIG, however, refused to offer more than $600,000 to 20

21 1 None of the parties have requested oral argument (see Mot. at 1; AIG Resp. at 1; Coppock Resp. at 1), and the court finds that oral argument would not be helpful to its resolution 22 of the motion, see Local Rules W.D. Wash. LCR 7(b)(4). 1 settle the case. (Id. ¶ 3.30.) Ms. Coppock then hired personal counsel to “protect her 2 from the possibility of an excess verdict being entered against her.” (Id. ¶ 3.31.) Ms.

3 Coppock’s personal attorney “encouraged” AIG to “either settle the matter for the policy 4 limits demand . . . or lift the policy limits and agree to pay any excess verdict 5 themselves.” (Id. ¶ 3.33.) AIG refused to do so and continued to prepare for trial. (Id. 6 ¶ 3.34.) 7 In May 2023, on the eve of trial, Ms. Coppock and Mr. Ranchod entered into a 8 settlement agreement in which Ms. Coppock “admitted complete liability for the crash,

9 agreed that Plaintiff suffer[ed] physical and traumatic brain injuries as a result of the 10 crash and deferred to expert opinions about causation, and agreed to a settlement of 11 $3,000,000 as reasonable.” (Id. ¶ 3.36; see also id., Ex. C (settlement agreement).) Ms. 12 Coppock and Mr. Ranchod also agreed that Ms. Coppock would assign her rights to any 13 insurance claims she had against AIG to Mr. Ranchod in exchange for a covenant not to

14 execute against Ms. Coppock’s assets. (Id. ¶ 3.36.) Shortly thereafter, Mr. Ranchod and 15 Ms. Coppock executed and filed a confession of judgment against Ms. Coppock in the 16 amount of $3,000,000. (Id. ¶ 3.37; see also id., Ex. D (confession of judgment).) In June 17 2023, the King County Superior Court concluded that the settlement was reasonable and 18 entered judgment against Ms. Coppock. (See id. ¶¶ 3.39-3.41; id. ¶ 3.39, Ex. E (order on

19 motion for a determination of reasonableness and for judgment).) 20 On July 10, 2023, Mr. Ranchod served an Insurance Fair Conduct Act notice upon 21 AIG, in which he demanded that AIG pay him the $3,000,000 provided for in the 22 judgment. (Id. ¶¶ 3.45-3.46.) Shortly thereafter, AIG paid Mr. Ranchod the combined 1 policy limits of $2,250,000, plus post-judgment interest. (Id. ¶ 3.47.) It refused, 2 however, to pay the $750,000 portion of the demand that was above the policy limits.

3 (See id. ¶¶ 3.48-3.51.) 4 On September 25, 2023, Mr. Ranchod amended his King County Superior Court 5 complaint to add AIG as a defendant and to assert against AIG the insurance claims that 6 Ms. Coppock had assigned to him. (See generally 2d Supp. Compl.) Mr. Ranchod now 7 lists himself in the caption of his operative second supplemental complaint as filing this 8 action “individually and as assignee of the claims of Madison S. Coppock.” (See id. at

9 1.) He also continues to name Ms. Coppock individually as a defendant and alleges that 10 Ms. Coppock resided in Washington “at the times all the tortious events at issue herein 11 occurred.” (See id.; see also id. ¶¶ 1.2, 4.1-4.4 (continuing to assert the settled 12 negligence claim against Ms. Coppock).) 13 Mr. Ranchod served AIG through the Washington Insurance Commissioner on

14 September 27, 2023. (See Baker Decl. ¶¶ 3-4, Exs. 2-3 (service documents).) On 15 October 27, 2023, AIG filed a notice of removal in this court in which it asserted 16 diversity subject matter jurisdiction as the basis for removal, despite Ms. Coppock’s 17 alleged Washington residency. (Not. of Removal (Dkt. # 1) at 3-10 (stating that AIG is 18 an Illinois corporation with its principal place of business in New York and arguing that

19 the court should disregard Ms. Coppock’s citizenship).) After reviewing the notice of 20 removal, the court ordered Mr. Ranchod to respond to AIG’s assertion that the court 21 should ignore Ms. Coppock’s purported Washington citizenship in determining whether 22 there is complete diversity among the parties and excuse AIG’s failure to obtain Ms. 1 Coppock’s consent to removal because Ms. Coppock is a nominal defendant, was 2 fraudulently joined, or is a dispensable party. (11/16/23 Order (Dkt. # 8).) Mr. Ranchod

3 filed the instant motion to remand on November 22, 2023. (Mot.) He filed his response 4 to the court’s November 16, 2023 order on December 4, 2023. (Order Resp. (Dkt. # 11).) 5 After the parties completed their briefing, and mindful of its obligation to ensure 6 that it has subject matter jurisdiction over this matter, the court ordered Ms. Coppock, 7 who appeared to be represented by counsel (see Dkt.), to respond to the motion to 8 remand. (1/8/24 Min. Order (Dkt. # 17).) The court asked Ms. Coppock to address what

9 interest, if any, she retains in this matter; her position on whether she was fraudulently 10 joined, is a nominal defendant, or is a dispensable party in this matter; and her view on 11 whether removal was appropriate. (Id. at 3.) 12 On January 19, 2024, Ms. Coppock, proceeding pro se, responded to the court’s 13 January 8, 2024 order. (Coppock Resp.; Coppock Aff. (Dkt. # 18-1).) Ms. Coppock

14 states that she is and has been a citizen of Alabama and that she resided in Washington 15 only to attend college and for a summer job. (Coppock Aff. ¶¶ 1-10 (explaining Ms. 16 Coppock’s contacts with Alabama and Washington); id., Exs. 1-4 (documents 17 demonstrating Ms. Coppock’s Alabama citizenship); see also id. ¶ 17, Ex. 5 at 12-132 18 (November 2023 email thread in which Ms. Coppock’s mother informed Mr. Ranchod’s

19 attorney that Ms. Coppock is a “resident of Alabama” and “pays out of state tuition”).) 20 21

2 The court refers to the page numbers in the CM/ECF header when citing the exhibits to 22 Ms. Coppock’s affidavit. 1 Ms.

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