Rosalinda Herrera Heredia V. Quang Vuong

Court of Appeals of Washington·Decided August 10, 2026·No. 88253-8·Unpublished

Opinion

IN THE COURT OF APPEALS OF THE STATE OF WASHINGTON

ROSALINDA HERRERA HEREDIA, No. 88253-8-I individually and as parent and guardian of AMY REYES-HERRERA, a minor; JUAN REYES TAPIA; LESLIE REYES- DIVISION ONE HERRERA; ANA HERRERA HEREDIA, individually and as parent and guardian of EIDAN HERRERA, a minor; EDUARDO HERNANDEZ UNPUBLISHED OPINION HERRERA; SAMPSON KWAKU GYAN and GEORGINA TWUMWAA GYAN, both individually and as parents and guardians of MATILDA GYAN, a minor; AMANDA POMAA GYAN; FRANCIS KWADWO GYAN; ANGELINA ADOMA GYAN; MEUY CHANG SAETURN and BUON DUANGPRASAERT, both individually and as parents and guardians of AUBREY DUANGPRASAERT, a minor; GIFTY EGHAN; JOYCE MENSAH, individually and as parent and guardian of ERIC DIABOUR, a minor, and JUSTIN ALEXANDER,

Respondents,

v.

QUANG VUONG and HA TU HUYNH, husband and wife and their marital community; KIMBERLY H. VUONG and JIMMY D. VUONG, wife and husband and their marital community; VIP INTERNATIONAL REAL ESTATE GROUP, INC., a Washington corporation;

Appellants,

and

JOHN DOES 1-10; and ABC CORPORATIONS 1-10,

Defendants.

SMITH, J. — In 2021, a fire damaged the apartment building where the plaintiffs/respondents (collectively referred to as “Heredia”) resided. Heredia initiated a complaint against the apartment owners, Quang Vuong and Ha Tu Huynh (Vuong) and the alleged property manager, VIP International Real Estate Group, Inc. (VIP) (collectively referred to as “Vuong”). VIP’s insurer, Continental Casualty Insurance Co. (CNA), defended VIP under a reservation of rights.

The parties mediated and executed a settlement agreement. CNA did not attend the mediation. The trial court preliminarily approved the settlement agreement. After CNA received a copy of the settlement agreement, it intervened and a different trial court judge found the agreement unreasonable. Vuong moved to compel arbitration under the terms of the agreement. Heredia opposed the motion, claiming the entire agreement was unenforceable because the plaintiffs never would have entered into the agreement had they known about certain actions taken by defense counsel. The trial court ruled the settlement agreement unconscionable and denied Vuong’s motion to compel arbitration. Vuong appealed, contending the trial court erred when it denied their motion to compel. Because the trial court exceeded its authority when it ruled the entire settlement agreement was unconscionable, we reverse and remand for proceedings consistent with this opinion.

FACTS

In December 2021, a fire broke out at an apartment complex in Renton, Washington, which led to injuries to the tenants and destroyed their property. Rosalinda Herrera Heredia, a tenant at the apartment, along with other tenants affected by the fire, initiated a complaint against several individuals and entities, including the building’s owners, Quang Vuong and Ha Tu Huynh; the building’s former owners, Kimberly and Jimmy Vuong; and VIP International Real Estate Group, Inc., the alleged property management company. Kimberly1 owned VIP and was the registered agent for the company. Kimberly performed duties for the apartment complex, such as collecting rent, making repairs to the premises, and acting as a liaison between Heredia and the owners of the complex.

On April 5, 2022, Heredia served Kimberly and VIP with discovery requests. Heredia’s interrogatories requested VIP describe any relationship it had with the apartment complex and include any documents it had containing information about its relationship to the property. In August, with no response from VIP, Heredia moved to compel VIP to answer. The court granted the motion, and VIP subsequently provided its answers. In its August 30 interrogatory responses, VIP maintained it had “no association with the [apartment complex] and would have no relevant evidence in this case.” VIP acknowledged that Kimberly owned and ran VIP but maintained that “[a]lthough Kimberly performed tasks related to the [apartment complex], none of the work that she did for [the complex] was in any way relevant or related to her work with 1 For clarity, we refer to Kimberly Voung by her first name.

VIP international.” Based on VIP’s interrogatory answers, Heredia moved for nonsuit of VIP. Vuong did not oppose this motion. For unknown reasons, the court never ruled on the motion.

On April 8, 2022, three days after Heredia served their first discovery requests to VIP, VIP tendered the case to its insurer, CNA. Ten days later, CNA acknowledged receipt and requested VIP forward a copy of the complaint. On May 23, CNA followed up with VIP, stating, “[W]e have yet to receive any requested information needed on this matter to properly determine if any coverage would be triggered under ou[r] policy. We request again, a copy of the complaint and any other substantive documents which allow us to proceed with a coverage determination.” VIP replied with the complaint and its answer to the complaint. CNA responded the same day asking VIP to provide a copy of the property management agreement. VIP did not respond, and on August 24, 2022, CNA reached out to VIP again and requested the property management agreement and “advise [it] if a General Liability claim has been established with the property owners carrier.” VIP responded with the information for the apartment’s general liability carrier but did not provide a property management agreement. VIP never provided CNA with a property management agreement, its August 2022 interrogatory responses, or a copy of the motion for nonsuit.

In December 2022, while the nonsuit motion was pending, VIP followed up with CNA, asserting it had not yet received a response from CNA concerning its tender request. VIP told CNA that CNA was “obligated to defend and indemnify [VIP] in this lawsuit.” In January 2023, CNA acknowledged coverage subject to a

reservation of rights. CNA’s letter stated, “We understand [VIP] was the property management company for the complex at the time of the incident.” CNA requested updates on the matter, as well as copies of all “significant correspondence, documents, and court filings.” In response, VIP sent CNA various discovery responses from the plaintiffs, but it did not include its own interrogatory answers and did not mention the pending nonsuit.

After VIP received the reservation of rights letter from CNA, Heredia and Vuong discussed the possibility of mediation. Initially, Heredia opposed

mediation, noting, [T]he coverage disclosed to date only totals $1,500,000.[2] This amount would be significantly inadequate to address the damages of everyone involved, and we do not believe mediation would be helpful. Please disclose any umbrella or other excess coverage available for any of the defendants. If sufficient coverage is disclosed, we would be happy to schedule mediation.

The parties conferred on February 2, 2023, and afterward Heredia e-mailed VIP confirming $1,000,000 per claim in coverage was available from CNA. The parties do not dispute that during their conversation, VIP asked Heredia to

withdraw their motion to nonsuit VIP. Heredia e-mailed VIP the next week:

As a follow up to our conversation, you mentioned that it was premature to dismiss VIP from the suit, as discovery is ongoing and we have not taken depositions of any of the defendants.

Please confirm that you believe that VIP dismissal is premature at this time, and we will strike our motion.

VIP replied in the affirmative.

2 The $1,500,000 referenced in Heredia’s e-mail consisted of $1,000,000 in coverage from Oregon Mutual Insurance Co. and $500,000 in coverage from Safeco Insurance.

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