White v. State Farm Mutual Automobile Insurance

907 F. Supp. 1012, 1995 U.S. Dist. LEXIS 18519, 1995 WL 739044
CourtDistrict Court, E.D. Texas
DecidedDecember 11, 1995
Docket4:94CV280
StatusPublished
Cited by7 cases

This text of 907 F. Supp. 1012 (White v. State Farm Mutual Automobile Insurance) is published on Counsel Stack Legal Research, covering District Court, E.D. Texas primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
White v. State Farm Mutual Automobile Insurance, 907 F. Supp. 1012, 1995 U.S. Dist. LEXIS 18519, 1995 WL 739044 (E.D. Tex. 1995).

Opinion

MEMORANDUM OPINION AND ORDER

PAUL N. BROWN, District Judge.

This is a suit by an alleged common-law wife, both individually and on behalf of her daughter, against her automobile insurer seeking to collect under the uninsured/under-insured motorist provision of her policy for the death of her alleged common-law husband. The insurer has filed two motions for partial summary judgment.

INTRODUCTION

Plaintiff, Virginia Dawn White, (‘White”) was the alleged common-law wife of James Darrell McLaughlin (“McLaughlin”). White alleges that she and McLaughlin were common-law married sometime during 1986 or 1987. White and McLaughlin separated in 1989 and with the exception of one week during 1989, ceased cohabitation at that time. During White and McLaughlin’s relationship, they had a daughter, Carol McLaughlin, on whose behalf White also brings this suit 1 .

*1015 In April 1993, White purchased an automobile insurance policy from Defendant, State Farm Mutual Automobile Insurance Company (“State Farm”). Part C of the policy provides insurance coverage for damages received by a covered person because of an uninsured or underinsured motorist. Specifically, Part C provides that “[State Farm] will pay damages which a covered person is legally entitled to recover from the owner or operator of an uninsured motor vehicle because of bodily injury sustained by a covered person, or property damage, caused by an accident.” The policy defines a “covered person” as including the insured, the insured’s family members, and any person occupying the insured’s covered automobile. The policy also defines “family member” to include any person who is both a resident of the insured’s household and is related to the insured by blood, marriage or adoption. A spouse who is not a resident of the insured’s household “during a period of separation in contemplation of divorce” is also covered as a “family member.”

On November' 3, 1993, McLaughlin was killed in a drunk driving accident while riding as a passenger in a car driven by Russell Homer. It is undisputed that at the time of the accident McLaughlin was not residing with White. At the time of the accident, Horner either had inadequate or nonexistent insurance. Thereafter, White made a claim for McLaughlin’s death under the uninsured/underinsured motorist provision of the State Farm policy. State Farm denied White’s claim on April 11, 1994, on the basis that McLaughlin was not a resident of White’s household and was not in an auto owned by White.

White filed suit in state court in Grayson County, Texas on October 13, 1994. State Farm removed the action to this Court on November 11, 1994. State Farm has now filed a motion for partial summary judgment on plaintiffs’ contractual claims and a motion for partial summary judgment on plaintiffs’ extracontractual claims.

SUMMARY JUDGMENT STANDARD

The granting of summary judgment is proper if “there is no genuine issue as to any material fact and ... the moving party is entitled to judgment as a matter of law.” Fed.R.Civ.P. 56(c). The trial court must resolve all reasonable doubts in favor of the party opposing the motion. Casey Enterprises, Inc. v. Am. Hardware Mut. Ins. Co., 655 F.2d §98, 602 (5th Cir.1981) (citations omitted). The party seeking summary judgment carries the burden of demonstrating that there is no actual dispute as to any material fact in the case. This burden, however, does not require the moving party to produce evidence showing the absence of a genuine issue of material fact. Celotex Corp. v. Catrett, 477 U.S. 317, 325-27, 106 S.Ct. 2548, 2554, 91 L.Ed.2d 265 (1986). The moving party satisfies its burden by “pointing out to the district court ... that there is an absence of evidence to support the nonmov-ing party’s case.” Id.

Once the moving party has satisfied its burden, the nonmovant must “set forth specific facts showing that there is a genuine issue for trial.” Fed.R.Civ.P. 56(e). If the nonmovant fails to set forth specific facts in support of allegations essential to that party’s claim and on which that party will bear the burden of proof, then summary judgment will be appropriate. Celotex, 477 U.S. at 321-25, 106 S.Ct. at 2552-53. Even if the nonmovant brings forth evidence in support of its allegations, summary judgment will be appropriate “unless there is sufficient evidence favoring the nonmoving party for a jury to return a verdict for that party. If the evidence is merely colorable, or is not significantly probative, summary judgment may be granted.” Anderson v. Liberty Lobby, Inc., 477 U.S. 242, 249-50, 106 S.Ct. 2505, 2511, 91 L.Ed.2d 202 (1986) (citations omitted).

STATE FARM’S SUMMARY JUDGMENT MOTION ON BREACH OF CONTRACT CLAIMS

State Farm based its denial of coverage on the position that McLaughlin was not a “covered person” under the terms of White’s policy. White contends McLaughlin was her common-law husband and was covered under the terms of the policy, despite not being a resident of her household. In its first motion *1016 for partial summary judgment, State Farm argues that: (1) White and McLaughlin were not married at the time of McLaughlin’s death; (2) White’s claim of common-law marriage is barred by the statute of limitations for proving informal marriages under Tex. Fam.Code § 1.91(b) (Vernon 1993); and (3) White’s claim is barred by quasi estoppel. The Court is of the opinion that fact issues exist as to State Farm’s first and third arguments. Moreover, the Court finds that section 1.91(b) violates the Equal Protection clause of the United States Constitution, and is therefore inapplicable to White.

A. Existence of a Common-Law Marriage

Texas has long recognized that persons who desire to live as husband and wife need not necessarily formalize their desires by engaging in a ceremonial wedding. See, e.g., Grigsby v. Reib, 105 Tex. 597, 153 S.W. 1124 (1913). Section 1.91(a)(2) of the Texas Family Code is the codification of the common law’s requirements for an informal or “common-law” marriage. In order to prove a common-law marriage in Texas, a party must satisfy three elements: (1) that the couple agreed to be married; (2) after their agreement, the couple lived together in Texas as husband and wife; and (3) the couple represented to others that they were married. Tex.Fam.Code § 1.91(a)(2). The existence of a common-law marriage is a question of fact, with the burden of proof being on the party seeking to establish the marriage. Weaver v. State, 855 S.W.2d 116 (Tex.App.—Houston [14th Dist.] 1993, no pet.).

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Cite This Page — Counsel Stack

Bluebook (online)
907 F. Supp. 1012, 1995 U.S. Dist. LEXIS 18519, 1995 WL 739044, Counsel Stack Legal Research, https://law.counselstack.com/opinion/white-v-state-farm-mutual-automobile-insurance-txed-1995.