Thomas Garner; and Cammi Garner v. The Cincinnati Insurance Company

CourtDistrict Court, D. Utah
DecidedNovember 5, 2025
Docket2:24-cv-00378
StatusUnknown

This text of Thomas Garner; and Cammi Garner v. The Cincinnati Insurance Company (Thomas Garner; and Cammi Garner v. The Cincinnati Insurance Company) is published on Counsel Stack Legal Research, covering District Court, D. Utah primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Thomas Garner; and Cammi Garner v. The Cincinnati Insurance Company, (D. Utah 2025).

Opinion

UNITED STATES DISTRICT COURT FOR THE DISTRICT OF UTAH CENTRAL DIVISION

THOMAS GARNER; and CAMMI MEMORANDUM DECISION AND GARNER, ORDER DENYING MOTION FOR

SANCTIONS (DOC. NO. 55) Plaintiffs,

v. Case No. 2:24-cv-00378

THE CINCINNATI INSURANCE District Judge Tena Campbell COMPANY,

Magistrate Judge Daphne A. Oberg Defendant.

Thomas and Cammi Garner initiated this action after Cincinnati Insurance Company denied their insurance claim for injuries sustained in a car accident.1 Arguing Cincinnati violated a scheduling order and engaged in “repeated discovery abuses,” the Garners move for sanctions.2 Specifically, they contend Cincinnati’s conduct prohibited their ability to take “depositions of key witnesses and engage in crucial discovery” before the discovery period closed.3 Accordingly, the Garners seek an order striking Cincinnati’s answer or defense, or in the alternative, denying Cincinnati’s pending motion for summary judgment or giving an adverse inference instruction. Cincinnati

1 (Compl., Doc. No. 1; Am. Compl. ¶¶ 7–17, 26–29, Doc. No. 17.) 2 (Pls.’ Mot. for Sanctions (Mot.), Doc. No. 55.) 3 (Id. at 2.) opposes, arguing the motion is legally and factually baseless.4 Because the severe sanctions the Garners request are unjustified, the motion is denied. BACKGROUND5 The Garners initiated this action in April 2024.6 Between July and September 2024, the parties briefed Cincinnati’s motion to dismiss.7 During that time, the court issued an initial scheduling order, requiring the parties serve initial disclosures by August 15, 2024.8 The Garners served their disclosures by the deadline.9 Cincinnati did not. More than five months later, on February 4, 2025, the Garners served their first set of discovery requests.10 One week afterward, they contacted Cincinnati to schedule

depositions for its corporate witness and for Robert Poppleton—the adjuster who investigated the Garners’ insurance claim, discussed it with counsel, and signed and

4 (Def.’s Opp’n to Mot. (Opp’n), Doc. No. 59.) 5 The briefing and exhibits do not have uniform page numbering. This order refers to internal page numbers where documents or exhibits contain them but refers to CM/ECF pagination where they are lacking. And when citing to the fact sections of the briefs, the order refers to numbered paragraphs. 6 (Compl., Doc. No. 1; Am. Compl. ¶¶ 7–17, 26–29, Doc. No. 17.) 7 (Doc. Nos. 20, 26, & 30.) 8 (Scheduling Order, Doc. No. 24.) Although Cincinnati reserved the right to file a motion to stay discovery pending resolution of its motion to dismiss, it never did. (Id. at 2 n.1.) 9 (Ex. A to Opp’n, Doc. No. 59-1.) 10 (Ex. B to Opp’n, Doc. No. 59-2.) sent counsel the coverage determination.11 Cincinnati served its initial disclosures the next day, identifying Mr. Poppleton and other individuals as representatives of Cincinnati.12 And on February 21, Cincinnati responded to the Garners’ request for depositions for Mr. Poppleton and its corporate witness, providing fourteen dates of availability in March and early April.13 Thereafter, the parties coordinated discovery. The parties agreed to extend the fact discovery deadline to April 17, 2025, and granted each other extensions for written discovery response deadlines.14 Cincinnati served its written responses on March 18, stating it would produce documents on April 1, as the requests did not otherwise specify a reasonable time, place, and manner for the production.15

On March 27, the Garners responded to Cincinnati’s email regarding deposition dates and asked for additional dates and additional deponents.16 Cincinnati responded

11 (Ex. R to Mot. 9, Doc. No. 55-18; Ex. C to Opp’n, Doc. No. 59-3 at 4; Mot. ¶ 23, Doc. No. 55 (citing Exs. G, H, & Q to Mot., Doc. Nos. 55-7, 55-8, & 55-17).) 12 (Ex. P to Mot. 2, Doc. No. 55-16 (Cincinnati’s initial disclosures dated February 13, 2025); Ex. D to Opp’n 2, Doc. No. 59-4 (same).) 13 (Ex. R to Mot. 9, Doc. No. 55-18.) 14 (Ex. U to Mot., Doc. No. 55-21; Exs. F & G to Opp’n, Doc. Nos. 59-6 at 2 & 59-7 at 2; Am. Scheduling Order, Doc. No. 35; Opp’n ¶ 20, Doc. No. 59.) 15 (Ex. U to Mot., Doc. No. 55-21; Exs. F & H to Opp’n, Doc. Nos. 59-6 at 2 & 59-8.) Cincinnati produced documents as promised. (Ex. W to Mot., Doc. No. 55-23.) 16 (Ex. R to Mot. 8, Doc. No. 55-18.) The Garners requested deposition dates for Cincinnati’s corporate designee, Mr. Poppleton, Mason Hill, and Jeremy John. (Id. at 7.) According to Cincinnati, Mr. Hill oversaw all coverage opinions, as Mr. Poppleton’s direct supervisor. (Opp’n ¶ 13, Doc. No. 59.) However, the Garners’ motion centers on Cincinnati’s actions regarding Mr. Poppleton’s deposition. that same day, asking for a notice with deposition topics for its corporate designee and stating it would ask Mr. Poppleton for available dates.17 The Garners served the deposition notice for Cincinnati’s corporate witness the following day.18 On March 31, Cincinnati asked the Garners to propose dates for the “other depositions” and indicated they would stipulate to extend the fact discovery deadline to complete the depositions.19 The Garners said they could not “agree to extend discovery again.”20 Cincinnati then indicated it was still checking availability for Mr. Poppleton and asked if the Garners would at least agree to allow fact witness depositions to occur after the discovery cut-off.21 The Garners again declined: “We can’t agree to depos[itions] after the fact discovery deadline.”22

Cincinnati responded the following day, April 2, indicating it could likely make the depositions work without extending the cut-off but noting it was still trying to schedule Mr. Poppleton.23 Later that day, Cincinnati informed the Garners that counsel had been unable to reach Mr. Poppleton and believed he no longer worked for Cincinnati, but

17 (Ex. R to Mot. 8, Doc. No. 55-18.) 18 (Ex. J to Opp’n, Doc. No. 59-10.) 19 (Ex. R to Mot. 5, Doc. No. 55-18.) 20 (Id.) 21 (Id. at 4.) 22 (Id. at 3.) 23 (Id.) counsel would continue to attempt contact.24 Five days later, Cincinnati informed the Garners that Mr. Poppleton had resigned in March and no longer worked for the company, “so that [they] could attempt to subpoena him for the deposition.”25 Counsel explained Mr. Poppleton had not responded to attempts to contact him, and provided Mr. Poppleton’s address (a P.O. Box in Logan, Utah) should the Garners wish to subpoena him directly.26 On April 15, the Garners emailed Cincinnati’s counsel a copy of a deposition subpoena they tried to serve on Mr. Poppleton.27 Cincinnati’s counsel responded the next day, explaining he had spoken with Mr. Poppleton.28 He relayed that Mr.

Poppleton indicated he never received a subpoena, he did not live at the address on the subpoena, and he believed he had no obligation to appear for the April 17 deposition.29 Cincinnati’s counsel explained he had no address for Mr. Poppleton. He only had a P.O. Box (which he already shared) and he was not authorized to share Mr. Poppleton’s

24 (Id. at 1.) 25 (Ex. L to Opp’n, Doc. No. 59-12.) 26 (Id.) 27 (Ex. X to Mot. 3, Doc. No. 55-24.) Mr. Poppleton’s deposition was set for April 17, the day fact discovery closed, but the Garners do not attach any deposition subpoena to their motion. (Id. at 2.) From the parties’ email exchange, it appears the Garners sent Cincinnati a copy of a subpoena they served at an address they believed to be Mr. Poppleton’s. (See id. at 1–2.) 28 (Id. at 2.) 29 (Id.) phone number.30 The April 17 deposition did not occur. That day, Cincinnati supplemented its initial disclosures, removing Mr.

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Thomas Garner; and Cammi Garner v. The Cincinnati Insurance Company, Counsel Stack Legal Research, https://law.counselstack.com/opinion/thomas-garner-and-cammi-garner-v-the-cincinnati-insurance-company-utd-2025.