Solyarik v. Allstate Insurance Company

CourtDistrict Court, N.D. Alabama
DecidedSeptember 24, 2025
Docket2:23-cv-01655
StatusUnknown

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

Bluebook
Solyarik v. Allstate Insurance Company, (N.D. Ala. 2025).

Opinion

UNITED STATES DISTRICT COURT FOR THE NORTHERN DISTRICT OF ALABAMA SOUTHERN DIVISION

DANIEL SOLYARIK, ) ) Plaintiff, ) ) v. ) Case No.: 2:23-cv-01655-JHE ) ALLSTATE INSURANCE COMPANY, ) et al., ) ) Defendants. )

MEMORANDUM OPINION AND ORDER1 On October 25, 2023, Plaintiff Daniel Solyarik (“Solyarik” or “Plaintiff”), proceeding pro se, filed a complaint in the Bessemer Division of the Circuit Court of Jefferson County, Alabama against Defendants Allstate Insurance Company (“Allstate”) and Copart, Inc. (“Copart,” and, together with Allstate, “Defendants”). (Doc. 1-1). Copart removed the case to this court. (Docs. 1). After motion practice concerning Solyarik’s initial complaint and subsequent amendments, the operative complaint in this case is Solyarik’s third amended complaint (doc. 61). Defendants have moved to dismiss that complaint.2 (Doc. 64). Solyarik opposes the motion (doc. 68), and Defendants have filed a reply in support (doc. 73). As discussed further below, Defendants’ motion is GRANTED.

1 In accordance with the provisions of 28 U.S.C. § 636(c) and Federal Rule of Civil Procedure 73, the parties have voluntarily consented to have a United States Magistrate Judge conduct any and all proceedings, including trial and the entry of final judgment. (Docs. 34 & 69). 2 Solyarik’s third amended complaint also contained claims against Defendant Bid N’ Drive, but those claims were previously dismissed. (Doc. 76). Copart has also asserts third party claims against Bid N’ Drive (doc. 44), but its third party complaint is not at issue here. Legal Standard Federal Rule of Civil Procedure 12(b)(6) permits dismissal when a complaint fails to state a claim upon which relief can be granted. “To survive a motion to dismiss, a complaint must contain sufficient factual matter, accepted as true, to state a claim to relief that is plausible on its face.” Ashcroft v. Iqbal, 556 U.S. 662, 678 (2009) (citations and internal quotation marks omitted).

A complaint states a facially plausible claim for relief “when the plaintiff pleads factual content that allows the court to draw the reasonable inference that the defendant is liable for the misconduct alleged.” Id. (citation omitted). The complaint must establish “more than a sheer possibility that a defendant has acted unlawfully.” Id.; accord Bell Atlantic v. Twombly, 550 U.S. 544, 555 (2007) (“Factual allegations must be enough to raise a right to relief above the speculative level.”). Ultimately, this inquiry is a “context-specific task that requires the reviewing court to draw on its judicial experience and common sense.” Iqbal, 556 U.S. at 679. To that end, under Federal Rule of Civil Procedure 8(a)(2), a pleading must contain “a short and plain statement of the claim showing the pleader is entitled to relief.” “[T]he pleading standard Rule 8 announces does not require ‘detailed factual allegations,’ but it demands more

than an unadorned, the-defendant-unlawfully-harmed-me accusation.” Iqbal, 556 U.S. at 678 (citing Twombly, 550 U.S. at 555). Mere “labels and conclusions” or “a formulaic recitation of the elements of a cause of action” are insufficient. Iqbal, 556 U.S. at 678. (citations and internal quotation marks omitted). “Nor does a complaint suffice if it tenders ‘naked assertion[s]’ devoid of ‘further factual enhancement.’” Id. (citing Twombly, 550 U.S. at 557). Further, “[i]n alleging fraud or mistake, a party must state with particularity the circumstances constituting fraud or mistake.” FED. R. CIV. P. 9(b). “[A] plaintiff must plead facts as to time, place, and substance of the defendant’s alleged fraud, specifically the details of the defendant’s allegedly fraudulent acts, 2 when they occurred, and who engaged in them.” U.S. ex rel. Clausen v. Lab. Corp. of Am., Inc., 290 F.3d 1301, 1310 (11th Cir. 2002) (internal quotation marks omitted). “Malice, intent, knowledge, and other conditions of a person’s mind may be alleged generally.” FED. R. CIV. P. 9(b). The court accepts all factual allegations in the complaint as true on a motion

to dismiss under Rule 12(b)(6). See, e.g., Grossman v. Nationsbank, N.A., 225 F.3d 1228, 1231 (11th Cir. 2000). However, legal conclusions unsupported by factual allegations are not entitled to that assumption of truth. Iqbal, 556 U.S. at 678. Facts Solyarik is a member of Copart, an online vehicle auction service. (Doc. 61 at ¶¶ 7, 26, 46). As a Copart member, Solyarik is subject Copart’s terms and conditions (“T&Cs”), which govern how members bid on and purchase vehicles. (See doc. 64-a ).3 Through the T&Cs, Copart and its sellers “expressly disclaim the accuracy or completeness of any and all information provided to Members regarding vehicles, whether provided in written, verbal, or digital image form (‘Vehicle Information’).” (Id. at 6). “Vehicle Information” under the T&Cs includes, but is

not limited to, “year, make, model, condition, ACV, damage amount, damage type, drivability, accessories, equipment, mileage, odometer disclosures, vehicle identification number (e.g. ‘VIN,’

3 When considering a motion to dismiss, a court may consider documents not referred to or attached to a complaint if the document is “(1) central to the plaintiff’s claims; and (2) undisputed, meaning that its authenticity is not challenged.” Johnson v. City of Atlanta, 107 F.4th 1292, 1300 (11th Cir. 2024). The terms of Solyarik’s relationship with Copart as a member are central to Solyarik’s claims. (See doc. 61 at ¶¶ 7, 26, 46). The authenticity of the terms and conditions is not in question, and Solyarik has acknowledged that he agreed to the T&Cs. (Doc. 68 at ¶ 6). Much of Solyarik’s response to the defendants’ motion is spent discussing the T&Cs. (See generally doc. 68).

3 ‘HIN,’ and serial number), title, repair cost, repair history, title history, and total loss history.” (Id.). Under the T&Cs, “[i]t is the sole responsibility of the Member to ascertain, confirm, research, inspect, and/or investigate vehicles and any and all Vehicle Information prior to bidding on vehicles.” (Id.). The T&Cs also provide that “all vehicles sold through Copart are sold ‘AS- IS WHERE-IS,’ WITHOUT ANY WARRANTY, EXPRESS OR IMPLIED, INCLUDING

BUT NOT LIMITED TO ANY WARRANTY OF FITNESS FOR A PARTICULAR PURPOSE OR MERCHANTABILITY.” (Id.) (emphasis in original). On October 25, 2022, Solyarik noticed a Copart lot advertising a Dodge Challenger with the Vehicle Identification Number (“VIN”) 2C3CDZBT8JH259222 listed for sale by then-owner Allstate. (Id. at ¶ 9). The listing contained photographs corroborating this VIN. (Id. at ¶ 9). The listing indicated that the Challenger had a salvage title “pending” from the Alabama Department of Motor Vehicles, which would be provided once received from the State. (Id.). Through a broker, Bid N’ Drive, Solyarik ultimately placed a successful bid for the Challenger, acquiring it for $18,000. (Id. at ¶¶ 8–9). Solyarik harbored doubts about the authenticity of the VIN due to

the low sales price. (Id.).

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