Spitz v. Starr Indemnity & Liability Company

CourtCourt of Appeals for the Tenth Circuit
DecidedJune 10, 2026
Docket25-6074
StatusUnpublished

This text of Spitz v. Starr Indemnity & Liability Company (Spitz v. Starr Indemnity & Liability Company) is published on Counsel Stack Legal Research, covering Court of Appeals for the Tenth Circuit primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Spitz v. Starr Indemnity & Liability Company, (10th Cir. 2026).

Opinion

Appellate Case: 25-6074 Document: 35-1 Date Filed: 06/10/2026 Page: 1 FILED United States Court of Appeals UNITED STATES COURT OF APPEALS Tenth Circuit

FOR THE TENTH CIRCUIT June 10, 2026 _________________________________ Christopher M. Wolpert Clerk of Court RANDY SPITZ, as Assignee of Nancy Aguilar and Real Trucking, Inc.,

Plaintiff - Appellant,

v. No. 25-6074 (D.C. No. 5:24-CV-00500-D) STARR INDEMNITY & LIABILITY (W.D. Okla.) COMPANY, INC.,

Defendant - Appellee. _________________________________

ORDER AND JUDGMENT * _________________________________

Before HOLMES, Chief Judge, McHUGH, and CARSON, Circuit Judges. _________________________________

Plaintiff–Appellant Randy Spitz appeals the Western District of Oklahoma’s

dismissal of his claims against Defendant–Appellee Starr Indemnity & Liability

Company (“Starr”) under Federal Rule of Civil Procedure 12(c). He also challenges

the Northern District of Illinois’s ruling granting Starr’s motion to transfer venue to

the Western District of Oklahoma. Exercising jurisdiction under 28 U.S.C. § 1291,

After examining the briefs and appellate record, this panel has determined *

unanimously that oral argument would not materially assist in the determination of this appeal. See Fed. R. App. P. 34(a)(2); 10th Cir. R. 34.1(G). The case is therefore ordered submitted without oral argument. This order and judgment is not binding precedent, except under the doctrines of law of the case, res judicata, and collateral estoppel. It may be cited, however, for its persuasive value consistent with Federal Rule of Appellate Procedure 32.1 and Tenth Circuit Rule 32.1. Appellate Case: 25-6074 Document: 35-1 Date Filed: 06/10/2026 Page: 2

we affirm the district court’s dismissal of Mr. Spitz’s claims. We lack jurisdiction to

review Mr. Spitz’s challenge to the transfer of venue.

I. BACKGROUND

In February 2016, Nancy Aguilar was driving a tractor-trailer for her

employer, Real Trucking, Inc. (“RTI”) in Oklahoma City, Oklahoma and struck a

vehicle driven by Mr. Spitz. The collision caused Mr. Spitz serious physical injuries.

Mr. Spitz filed a lawsuit against Ms. Aguilar and RTI in Oklahoma County district

court. At all relevant times, Mr. Spitz was a citizen of Oklahoma, Ms. Aguilar was a

citizen of Kansas, and RTI was an Illinois corporation with its principal place of

business in Illinois.

RTI’s insurer was Starr, a Texas corporation with its principal place of

business in New York. Starr provided RTI a commercial auto liability insurance

policy with a $1,000,000 liability limit. Pursuant to this insurance policy, Starr

defended Ms. Aguilar and RTI in the underlying lawsuit.

After settlement negotiations proved unsuccessful, a six-day jury trial in

September 2019 resulted in judgment in favor of Mr. Spitz, and against Ms. Aguilar

and RTI, for nearly $2.3 million with interest and costs. Starr then paid Mr. Spitz its

maximum policy limit of approximately $990,000, leaving RTI and Ms. Aguilar

liable for the remaining $1.3 million. RTI and Ms. Aguilar assigned any causes of

action they had against Starr to Mr. Spitz. Mr. Spitz, as assignee of RTI and

Ms. Aguilar, then filed a lawsuit against Starr in Cook County, Illinois. The case was

subsequently removed to the Northern District of Illinois. Mr. Spitz’s Amended

2 Appellate Case: 25-6074 Document: 35-1 Date Filed: 06/10/2026 Page: 3

Complaint, filed in January 2023, 1 asserted that Starr acted in bad faith by failing to

settle the underlying litigation within policy limits and, alternatively, that Starr’s

failure to settle amounted to negligence.

On January 2, 2024, Starr moved to transfer venue to the Western District of

Oklahoma under 28 U.S.C. § 1404(a) on the basis that it was “a more convenient

forum for the parties and witnesses, has the strongest ties to the case, and w[ould]

allow for a full adjudication between all relevant parties.” App. Vol. I at 228. The

Northern District of Illinois granted Starr’s motion and transferred the case to the

Western District of Oklahoma.

Upon transfer, Starr moved for judgment on the pleadings under Federal Rule

of Civil Procedure 12(c), seeking dismissal of Mr. Spitz’s bad faith and negligence

claims. In its motion, Starr asserted that Oklahoma law governed the dispute and that,

under Oklahoma law, Spitz’s claims were barred. Specifically, Starr argued that

Oklahoma law does not permit third-party assignment of bad-faith claims and

likewise does not recognize a cause of action for negligent failure to settle by an

insurer. Mr. Spitz opposed the motion, arguing that Illinois substantive law applied

and would allow the assigned claims to proceed.

The district court granted Starr’s Rule 12(c) motion and dismissed Mr. Spitz’s

claims with prejudice. Applying Illinois choice-of-law principles, the district court

1 Mr. Spitz filed his original complaint in December 2020, which was removed to federal court in February 2021 and dismissed without prejudice in September 2021. Mr. Spitz filed his Amended Complaint on January 6, 2023. 3 Appellate Case: 25-6074 Document: 35-1 Date Filed: 06/10/2026 Page: 4

first considered which state had the “most significant relationship” to Mr. Spitz’s

claims for bad faith and negligence by balancing the factors found in § 145 of the

Restatement (Second) of Conflict of Laws (“Restatement”). Analyzing each of the

factors enumerated in § 145, the court concluded that Oklahoma had the most

significant relationship to the case because the underlying litigation “was filed and

litigated in Oklahoma County District Court; the six-day trial took place in Oklahoma

City; . . . the excess judgment was entered in Oklahoma County District Court . . .,

[and] Plaintiff (an Oklahoma resident) made five separate offers leading up to the

trial, which were communicated by Plaintiff’s Oklahoma-based counsel.” Id. at 64–

65. The district court then considered the policy factors of § 6 of the Restatement.

The court concluded that these factors also weighed in favor of applying Oklahoma

law because

1) Oklahoma courts have the predominant interest in ensuring that parties who litigate in the state exercise good faith in attempting to resolve cases; 2) the protection of expectations are most easily and most logically set by the forum within which the parties are litigating; and 3) applying Oklahoma law ensures certainty, predictability, and finality because Oklahoma-based courts are most familiar with Oklahoma’s legal framework, increasing the likelihood of a consistent outcome. Id. at 66–67. The district court thus concluded that Oklahoma law governed.

Having determined that Oklahoma law controlled, the district court held that

Mr. Spitz’s claims failed as a matter of law. It noted that under Oklahoma law, the

assignment of an insured’s bad faith claim to a third party is prohibited. Therefore,

the court concluded that RTI and Ms. Aguilar’s bad-faith cause of action could not

validly be assigned to Mr.

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