Tristan Smith v. Mississippi Farm Bureau Casualty Insurance Company

Mississippi Supreme Court·Decided June 11, 2026·No. 2025-CA-00166-SCT·Published

Opinion

IN THE SUPREME COURT OF MISSISSIPPI NO. 2025-CA-00166-SCT

TRISTAN SMITH v.

MISSISSIPPI FARM BUREAU CASUALTY INSURANCE COMPANY

DATE OF JUDGMENT: 01/14/2025 TRIAL JUDGE: HON. DAL WILLIAMSON TRIAL COURT ATTORNEYS: ORVIS A. SHIYOU, JR. COURT FROM WHICH APPEALED: JONES COUNTY CIRCUIT COURT ATTORNEY FOR APPELLANT: DANIEL MYERS WAIDE ATTORNEYS FOR APPELLEE: SAM STARNES THOMAS OWEN PATRICK TERRY

NATURE OF THE CASE: CIVIL - INSURANCE DISPOSITION: AFFIRMED - 06/11/2026 MOTION FOR REHEARING FILED:

BEFORE KING, P.J., ISHEE AND GRIFFIS, JJ.

GRIFFIS, JUSTICE, FOR THE COURT:

¶1. Following a car accident, Caitlin Overstreet had a miscarriage. She subsequently filed a wrongful-death lawsuit against Mississippi Farm Bureau Casualty Insurance Company. After the case had been litigated for several years and a settlement was reached, Tristan Smith, the father of the unborn child, filed a motion to intervene. The trial court denied the motion as untimely, and Smith appealed. We find no error in the denial of the motion to intervene. The judgment is affirmed.

FACTS AND PROCEDURAL HISTORY

¶2. In November 2018, Caitlin Overstreet, who was pregnant at the time, was in an

automobile accident. Days later, Overstreet miscarried the child. Overstreet testified that she was “[t]wo to three months” pregnant at the time of the accident and that she had not yet felt the child move. Overstreet further stated that she and Tristan Smith, the child’s father, were still in a relationship at the time and had been together for about four years.1

¶3. Overstreet made a claim under her auto-insurance policy with Farm Bureau for uninsured- and underinsured-motorist (UM) benefits. Farm Bureau denied the claim. Then, in December 2021, Overstreet filed a wrongful-death lawsuit against Farm Bureau. The complaint alleged that she was “run off the road by another automobile being negligently operated by an unknown driver.” Farm Bureau answered and denied that Overstreet or her unborn child had a claim. Farm Bureau instead asserted that “if there were another automobile or 18-wheeler that had any involvement in the accident that occurred . . . , Farm Bureau would show there was no actual physical contact between that other automobile and/or 18-wheeler and the vehicle operated by” Overstreet.

¶4. In February 2024, Overstreet reached a settlement with Farm Bureau. On August 5, 2024, Overstreet and Smith were adjudicated as the sole heirs at law and wrongful-death beneficiaries of the unborn child.2 The next day, on August 6, Smith filed a motion to intervene in the wrongful-death action. Smith alleged that he was unaware of the proceedings until he was served with a summons to determine the heirs at law and wrongful- death beneficiaries of the child. He further opined that at the hearing to determine the heirs

1 Overstreet was deposed in May 2019.

2 This occurred in Cause No. 34CH1: 24-cv-00087 in the Chancery Court of the First Judicial District of Jones County.

at law and wrongful-death beneficiaries, he learned that Overstreet was “more likely than not” the tortfeasor after it was discovered that she was driving ninety-two miles per hour at the time of the wreck.

¶5. In the motion to intervene, Smith asserted: (1) the child was “entitled to UM benefits under the policy [as] a result of [Overstreet’s] negligence”; (2) Overstreet “should be disqualified from bringing any claims on behalf of the heirs and beneficiaries of” the child; and that (3) “there may be an issue of bad faith to be further investigated wherein Farm Bureau knew that [the child] was entitled to UM benefits as a result of the negligence of [Overstreet], yet . . . chose to keep said knowledge to itself in an attempt to pay less money on the claim.”

¶6. Overstreet and Farm Bureau opposed Smith’s motion to intervene. Farm Bureau asserted that the motion was untimely and that “no one and nothing prevented Smith, or his representatives, from investigating and discovering any and all facts related to the subject accident.”

¶7. In his reply, Smith alleged that when Farm Bureau made an offer to resolve the case in August 2024, he then “learned for the first time that Farm Bureau did not stack the insurance policies in question because there was apparently no contact made by any alleged third party and Caitlin Overstreet was apparently going over 90 mph just before the crash.” Smith claimed that these facts were concealed from him, thus tolling the statute of limitations. Smith asserted that the child had “a claim for the stacked [policy] limits . . . whether the claim involves an unknown third party or [Overstreet].” Smith additionally

alleged that the claims relate back and there was a potential for bad faith on the part of Farm Bureau. Smith claimed that he “should be allowed to intervene and seek full benefits on behalf of” his unborn child.

¶8. After a hearing, the court requested that the parties submit supplemental briefs as to the timeliness of the motion. In addition, Farm Bureau asserted that the motion was untimely to intervene as of right. Farm Bureau also argued that Smith’s claim was barred by the statute of limitations. Farm Bureau reasoned that Smith filed the motion six years after the accident, and “no one and nothing prevented Smith, or his representatives, from investigating and discovering any and all facts related to the accident and the death of Baby and/or seeking to join in this action.” Farm Bureau asserted that “the length of time during which Smith actually knew or reasonably should have known of his interest in this action is sufficient, standing alone, to find the Motion untimely.” Farm Bureau noted that “Overstreet and Smith have another child together, born more than one year after the accident” and that “Smith has maintained some form of relationship with and communication with . . . Overstreet since the occurrence of the accident.” Farm Bureau claimed that both Overstreet and Farm Bureau “would be actually prejudiced with more discovery, preparation, and expense if Smith were permitted to intervene[.]” Farm Bureau alleged that Smith, on the other hand, would suffer “no real prejudice” because as a wrongful-death beneficiary, he would “recover his share under the settlement” Overstreet “already reached with Farm Bureau.” Lastly, Farm Bureau argued that Overstreet, after initiating the lawsuit, “became a ‘fiduciary’ to Smith” and was “empowered” to “enter into fair settlement negotiations” for both of their benefit. (emphasis

omitted) (quoting Long v. McKinney, 897 So. 2d 160, 169 (Miss. 2005)).

¶9. In response, Smith argued that “because of [Overstreet’s] negligence, she cannot serve as fiduciary” and she therefore “lacks capacity to enter into [a] settlement[.]” Smith also asserted that “as a matter of public policy, Farm Bureau should not be allowed to settle” “with a Defendant[.]”

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