Tolbert v. Connecticut General Life Insurance

755 A.2d 293, 58 Conn. App. 694, 2000 Conn. App. LEXIS 313
CourtConnecticut Appellate Court
DecidedJuly 11, 2000
DocketAC 18557
StatusPublished
Cited by4 cases

This text of 755 A.2d 293 (Tolbert v. Connecticut General Life Insurance) is published on Counsel Stack Legal Research, covering Connecticut Appellate Court primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Tolbert v. Connecticut General Life Insurance, 755 A.2d 293, 58 Conn. App. 694, 2000 Conn. App. LEXIS 313 (Colo. Ct. App. 2000).

Opinion

Opinion

LANDAU, J.

This is an appeal by the named plaintiff, Evelyn Cosby Tolbert,1 from the judgment rendered by the trial court in favor of the defendant Fleet National Bank (Fleet)2 following the granting of Fleet’s motion to set aside the jury’s verdict on count six of the substitute complaint. The plaintiff claims that the court improperly concluded that her claim against Fleet is barred [696]*696by General Statutes § 52-576, the applicable statute of limitations. We affirm the judgment of the trial court.

The following facts and procedural history are relevant to our analysis of the plaintiffs claim. In September, 1975, the plaintiff and her then husband secured a mortgage from Fleet’s predecessor in interest, Hartford Federal Savings and Loan Association (Hartford Federal).3 In conjunction with the mortgage, the plaintiff and Hartford Federal entered into an agreement whereby Hartford Federal was to procure mortgage disability insurance (disability policy) for the plaintiff. Hartford Federal secured a disability policy with the defendant Connecticut General Life Insurance Company (Connecticut General) effective October 6, 1975.4 In 1979, when the plaintiff became totally physically disabled, Connecticut General began paying disability benefits on the plaintiffs behalf in the form of monthly mortgage payments on the mortgaged property she owned on Rutland Street in Hartford.

In September, 1990, Connecticut General stopped paying disability benefits, and the plaintiffs mortgage account became delinquent. Northeast Savings, which had acquired Hartford Federal’s interest in the mortgage; see footnote 3; commenced foreclosure proceed[697]*697ings against the plaintiff. Because her disability benefits were not reinstated in a timely manner and because she was facing foreclosure proceedings, the plaintiff sold the premises at a price well below the appraised value.

The plaintiff commenced this action against Connecticut General in 1994. More than eighteen months later, the court granted the plaintiffs motion to cite in Fleet as a party defendant. The plaintiff filed a substitute complaint in which she alleged, in count six, that she and Fleet’s predecessor in interest, Hartford Federal, “had a contract pursuant to which Hartford Federal was to procure a mortgage disability policy”; that “Hartford Federal . . . was to procure insurance which was adequate to protect the plaintiff’; that “Hartford Federal . . . breached its contract with the plaintiff ... in that it failed to procure insurance which was adequate to protect the plaintiff’; and that as a result of “Hartford Federal’s negligent failure to procure adequate insurance, the plaintiff . . . has incurred damages . . . .” (Emphasis added.) In its answer, Fleet essentially denied the allegations of the substitute complaint and interposed, in its first special defense, an allegation that the action was barred by the provisions of § 52-576,5 the applicable statute of limitations.

After the jury returned a verdict against Fleet on count six, Fleet moved to have the verdict set aside. After the parties briefed and argued the issue, the court granted Fleet’s motion, ruling that the six year statute of limitations commenced running in September, 1975, when the parties entered into the contract rather than, as argued by the plaintiff, September, 1990, when the [698]*698disability benefits were terminated. This appeal followed.

“The trial court may set aside a jury verdict that the court finds to be against the law or the evidence. American National Fire Ins. Co. v. Schuss, 221 Conn. 768, 774, 607 A.2d 418 (1992); Palomba v. Gray, 208 Conn. 21, 23-24, 543 A.2d 1331 (1988); Cohen v. Hamden, 27 Conn. App. 487, 491, 607 A.2d 452 (1992). A trial court’s ruling to set aside the verdict will not be overturned on appeal unless the trial court abused its discretion. American National Fire Ins. Co. v. Schuss, supra, 774-75; Jeffries v. Johnson, 27 Conn. App. 471, 475,607 A.2d 443 (1992). Every reasonable presumption should be indulged in favor of the correctness of the trial court’s decision to set aside the verdict because a trial court is in a better position than an appellate court to determine whether a jury’s verdict was improperly influenced. Cohen v. Hamden, supra [491]; Jeffries v. Johnson, supra, 475-76; Donahue v. State, 27 Conn. App. 135, 140, 604 A.2d 1331 (1992).” Caciopoli v. Acampora, 30 Conn. App. 327, 330-31, 620 A.2d 191 (1993).

Ordinarily, litigants have a constitutional right to have factual issues resolved by the jury. Berry v. Loiseau, 223 Conn. 786, 807, 614 A.2d 414 (1992); Donahue v. State, supra, 27 Conn. App. 140. In ruling on the motion to set aside the verdict in this case, however, the court was required to make a legal rather than factual determination. On appeal, we must consider whether the trial court properly determined that, as a matter of law, Fleet’s special defense of the statute of limitations bars the plaintiffs recovery. An action based in contract must be brought within six years. General Statutes § 52-576; McNeil v. Riccio, 45 Conn. App. 466, 472-73, 696 A.2d 1050 (1997).

It is important to note at the outset of our analysis that the factual underpinnings of this appeal differ greatly from the facts that were pleaded and proved at [699]*699trial. The plaintiffs appeal, and the legal theory on which it is based, is dependent on a set of facts that were not pleaded in the substitute complaint or proven at trial. The plaintiffs appeal is entirely dependent on a claim raised for the first time in her objection to the motion to set aside and in this appeal. Specifically, instead of the claim for breach of contract to procure a policy of insurance as pleaded in paragraphs nine through twelve of count six, the plaintiffs theory on appeal is that the contract involved an obligation to procure policies of insurance, a duty that the plaintiff claims continued from 1975 through 1990. The complaint does not allege any continuing duty to procure future policies of insurance on the part of Hartford Federal or its successors in interest.

As the court implied in its memorandum of decision on the motion to set aside the verdict, the plaintiffs objection to the motion is not founded in the same legal theory as the one she pleaded in count six.6 Count six of the substitute complaint alleges that Hartford Federal breached its duty to procure a policy of insurance.7 The basis of the plaintiffs objection to Fleet’s motion to set aside the verdict and her claim on appeal is that Hartford Federal assumed a continuing duty

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Tolbert v. Connecticut General Life Insurance
778 A.2d 1 (Supreme Court of Connecticut, 2001)
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768 A.2d 950 (Connecticut Appellate Court, 2001)

Cite This Page — Counsel Stack

Bluebook (online)
755 A.2d 293, 58 Conn. App. 694, 2000 Conn. App. LEXIS 313, Counsel Stack Legal Research, https://law.counselstack.com/opinion/tolbert-v-connecticut-general-life-insurance-connappct-2000.