Wright v. State Farm Fire & Casualty Company

District Court, W.D. Washington·Decided March 12, 2025·No. 2:23-cv-00179·Unknown

Opinion

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3 4 5 UNITED STATES DISTRICT COURT AT SEATTLE 7 MICHAEL WRIGHT; ALEXIS CASE NO. 2:23-cv-179 ORDER 9 Plaintiffs, v. 10 STATE FARM FIRE AND CASUALTY

12 Defendant. 13 This matter comes before the Court on the parties’ motions in limine. Dkt. 14 Nos. 147, 149, 150. Having considered the motions, responses, and the record, and 15 being fully informed, the Court ORDERS as discussed below. 16 1. BACKGROUND 17 Plaintiffs Michael and Alexis Wright sue their insurer, Defendant State Farm 18 Fire & Casualty Company, for its handling of their insurance claim following a 19 residential fire. The Wrights allege that State Farm’s claims handling violated the 20 Washington Insurance Fair Conduct Act and Washington Consumer Protection Act 21 and constituted bad faith and breach of contract. State Farm denies these 22 23 1 allegations and contends that it handled the Wrights’ claim appropriately. A jury 2 trial is scheduled to commence on March 26, 2025.

3 2. LEGAL STANDARD 4 “A motion in limine is a procedural mechanism to limit in advance [of trial] 5 testimony or evidence in a particular area.” United States v. Heller, 551 F.3d 1108, 6 1111 (9th Cir. 2009). Motions in limine must identify the specific evidence sought to 7 be excluded and detail the reasoning for inadmissibility. United States v. Lewis, 493 8 F. Supp. 3d 858, 861 (C.D. Cal. 2020) (citing Colton Crane Co., LLC v. Terex Cranes

9 Wilmington, Inc., No. 08-CV-08525-PSG (PJWx), 2010 WL 2035800, at *1 (C.D. Cal. 10 May 19, 2010)). A motion devoid of specificity or merely reminding the court to 11 follow established rules will be denied. See id. Indeed, trial courts need no reminder 12 of their fundamental duty to enforce the federal rules during trial—that much is 13 self-evident and requires no motion to secure. 14 Trial courts possess broad discretion when ruling on motions in limine, 15 Heller, 551 F.3d at 1111, though such decisions are not binding and may be

16 reconsidered during trial, Ohler v. United States, 529 U.S. 753, 758 n.3 (2000). 17 Thus, denial of a motion in limine does not guarantee admission of contested 18 evidence, but merely indicates that without trial context, the court cannot make a 19 proper determination regarding exclusion. See id. And if the court grants a motion 20 in limine, it may still revisit its earlier ruling based on the events at trial. 21 3. STIPULATED MOTIONS

22 The Court GRANTS the stipulated motions below, as reflected in the parties’ 23 joint filing: 1 3.1 Plaintiffs’ stipulated motions. 1. Evidence Not Produced in Discovery; 2 2. Collateral Source and/or offset benefits; 3 4. Presenting to the Jury Any Document or Proposed Exhibit or Other 4 Information That Has Not Been Admitted as An Exhibit; 5 5. The Effect of Any Lawsuit on Insurance Rates or Premiums; 6 12. Mention of Any Physical or Mental Conditions of the Plaintiffs; 7 13. No Mention of Michael Wright Being Involved in, Charged With or Pleading to an Assault Charge 20 Years Ago; 8 17. Undisclosed and New Opinions of Experts Should Be Excluded; 9 18. Any other suits or litigation involving Plaintiffs’ counsel; 10 19. Reference or personal comments related to Plaintiffs’ Counsel’s prior employment or background should be prohibited. 11 Dkt. No. 150 at 1–4. 12 13 3.2 Defendant’s stipulated motions. 14 A. Order and presentation of witnesses; C. Preclude the parties, counsel, and witnesses from referring to the fact 15 that motions in limine were filed and rulings made by the court; 16 E. Exclude references to the nature of either counsel’s practice or references to their firms; 17 G. Opposing party experts may not be called at trial; 18 L. Exclude evidence or argument relating to other suits or claims against 19 State Farm. 20 Dkt. No. 150 at 4–6. 21 22 23 1 4. CONTESTED MOTIONS 2 The Court now turns to the parties’ contested motions in limine—mostly,

3 they represent formulaic recitations of evidentiary principles rather than targeted 4 requests to exclude specific prejudicial evidence. Without identifying particular 5 witnesses, documents, or testimony to exclude, these motions—with few 6 exceptions—fail. 7 4.1 Plaintiffs’ contested motions in limine. 8 The Court rules as follows on Plaintiffs’ motions in limine: 9 Plaintiffs’ Motion in Limine No. 3: Plaintiffs move to exclude any 10 undisclosed witnesses, expert witnesses, or expert opinions not previously disclosed 11 in accordance with the Federal Rules of Civil Procedure. 12 Any witness or expert opinion not properly disclosed under the civil rules 13 would ordinarily be excluded from trial unless the failure to disclose was 14 substantially justified or harmless under Fed. R. Civ. P. 37(c)(1). But the motion is 15 DENIED for want of specificity, as the Wrights identify no witness to exclude owing 16 to an improper disclosure. Should disputes arise regarding specific witnesses during 17 trial, the Court will address them at that time. 18 Plaintiffs’ Motion in Limine No. 6: Plaintiffs move to prohibit State 19 Farm’s claims handling experts from offering legal conclusions or statements about 20 what the law requires. 21 Expert witnesses may testify about industry standards, practices, and 22 whether actions conformed to those standards. But experts from either side should 23 1 not offer opinions that constitute ultimate legal conclusions such as whether State 2 Farm acted in “bad faith,” whether conduct was “reasonable” as a matter of law, or

3 whether its actions violated specific statutes or regulations. This motion, however, 4 amounts to a general admonishment to follow the rules, as the Wrights frame their 5 motion in general terms only and do not identify a specific witness or opinion to 6 exclude. Thus, the motion is DENIED. 7 Plaintiffs’ Motion in Limine No. 7: The Wrights move to exclude evidence 8 of settlement negotiations, offers of compromise, or statements made during

9 settlement negotiations under Rule 408. 10 The Wrights’ motion is overly broad and lacks the requisite specificity about 11 which particular offers, compromises, or settlement communications should be 12 excluded. While Rule 408 generally prohibits evidence of compromise offers and 13 negotiations when offered to prove or disprove the validity or amount of a disputed 14 claim, the Court cannot make a blanket ruling without context for specific 15 communications. The motion also fails to distinguish between actual settlement

16 negotiations and routine claims handling activities, such as claim payments or 17 offers of payment made under the policy terms. For these reasons, the motion is 18 DENIED. If specific settlement communications become an issue during trial, the 19 Court will address objections at that time. 20 Plaintiffs’ Motion in Limine No. 8: The Wrights move to exclude any 21 reference to settlement discussions or statements made during or in preparation for

22 mediation. This motion is DENIED for the same reasons as Plaintiffs’ Motion in 23 Limine No. 7. See supra. 1 Plaintiffs’ Motion in Limine No. 9: The Wrights move to prohibit State 2 Farm from attempting to impeach or cross-examine the Wrights with statements in

3 correspondence from their attorneys sent after State Farm denied coverage. 4 The Wrights’ motion lacks the requisite specificity about which legal 5 correspondence or attorney communications they seek to exclude from cross- 6 examination or impeachment. Indeed, the motion identifies no specific letters, 7 dates, content, or circumstances that would warrant exclusion.

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