Radulski v. Liberty Mutual ( 2020 )

SUPERIOR COURT
OF THE
STATE OF DELAWARE
PAUL R. WALLACE NEW CASTLE COUNTY COURTHOUSE
JUDGE 500 N. KING STREET, SUITE 10400
WILMINGTON, DELAWARE 19801
(302) 255-0660
Date Submitted: July 18, 2020
Date Decided: October 28, 2020
Michael G. Owen, Esquire Daniel A. Griffith, Esquire,
Morris James LLP Kaan Ekiner, Esquire
803 North Broom Street Whiteford Taylor & Preston, LLC
Wilmington, Delaware 19899-2328 405 North King Street, Suite 500
Wilmington, Delaware 19801
RE: Erin K. Radulski v. Liberty Mutual Fire Ins. Co.
Civil Action No. N19C-03-192 PRW
Dear Counsel:
As the parties are considering the need for any further proceedings in this matter,
the Court decided to provide this Letter Order resolving their pending cross-motions for
summary judgment (D.I. 18, 19) in lieu of a more formal written decision.
I. INTRODUCTION
Plaintiff Erin K. Radulski (“Erin”1) brings this declaratory judgment action
against Defendant Liberty Mutual Fire Insurance Company and seeks to reform her
insurance policy to provide for additional uninsured/underinsured (“UI/UIM”)
1
As will be clearer later on in this opinion, the Court must explain the roles Mrs. Radulski and
her late husband had in dealing with their insurer, Liberty Mutual. Therefore, to avoid
confusion, the Court refers to each of the Radulskis by her or his first name. No undue
familiarity, favoritism, or disrespect is intended.
Radulski v. Liberty Mutual
C.A. No. N19C-03-192 PRW
October 29, 2020
Page 2 of 14
motorist coverage. She says she can do so now under 18 Del. C. § 39022 because
Liberty Mutual failed to make a meaningful offer of additional UM/UIM coverage
after a previous material change was made to her policy.3 Erin and Liberty Mutual
have brought cross-motions for summary judgment.
Under Delaware law, an insurer must make a meaningful offer of additional
uninsured/underinsured motorist coverage at the time of any material policy
change.4 An offer is not meaningful where, if ever, it is received only many months
after a material change to an insurance policy.5 And where an insurer fails to meet
its burden of making a required meaningful offer of UM/UIM coverage, then it is
deemed to have made “a continuing offer for additional insurance, which the insured
may accept even after the insured’s accident.”6 Erin is now seeking—as a result of
Liberty Mutual’s failure to make a meaningful offer of additional UM/UIM coverage
at the time she removed her late husband from their insurance policy—to accept
Liberty Mutual’s continuing offer for additional insurance and reform her
automobile policy to increase its UM/UIM coverage.
2
DEL. CODE ANN., tit. 18 § 3902 (2020).
3
Compl. at ¶¶ 13, 14.
4
Drenth v. Colonial Penn Ins. Co., 1997 WL 720459, at *3 (Del. Super. Ct. Sept. 15, 1997).
5
Mason v. United Servs. Auto. Ass’n, 697 A.2d 388, 393-94 (Del. 1997).
6
Brintzenhoff v. Hartford Underwriters Ins. Co., 2004 WL 2191184, at *1 (Del. Super. June 4,
2004) (quoting Shukitt v. United Servs. Auto. Ass’n, 2003 WL 22048222, at *3 (Del. Super.
Ct. Aug. 13, 2003)); Drenth, 1997 WL 720459, at *3.
Radulski v. Liberty Mutual
C.A. No. N19C-03-192 PRW
October 29, 2020
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The issue before the Court is whether Liberty Mutual communicated to Erin
a meaningful offer of additional UM/UIM coverage after a material change to her
policy occurred in February 2014 when Erin removed her late husband, Raymond
C. Radulski (“Ray”), from their insurance policy.
I. FACTUAL AND PROCEDURAL BACKGROUND
A. THE RADULSKIS’ POLICY WITH LIBERTY MUTUAL
On June 23, 2010, Liberty Mutual entered into a policy of automobile
insurance with Erin and her husband as the policyholders.7 As with most young
families, one person, Ray, took on the chore of handling the insurance policies for
the Radulski household. And so, he took responsibility for communicating with
Liberty Mutual and managing the specific auto insurance policy at issue in this
matter.8 He signed the automobile insurance policy for both himself and Erin.9 He
received and dealt with policy renewals.10 In sum, during their time together, Erin
had little reason to and never did review the auto insurance papers; “it was [Ray]’s
job.”11 Ray had told Erin that their automobile policy with Liberty Mutual provided
$250,000/$500,000 in UM/UIM coverage.12
7
Pl.’s Mot. for Partial Summ. J. at ¶ 6.
8
Id. at Ex. E at 52-54, 57-59 (Radulski Dep., Oct. 30, 2019).
9
Id. at 52-54, 56-57.
10
Id. at 57-59.
11
Id. at 52, 57.
12
Id. at 53-54, 57, 59-60.
Radulski v. Liberty Mutual
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On February 22, 2014, only weeks after his thirty-first birthday, Ray was
suddenly taken from Erin without warning.13 Steeling through her unexpected loss,
Erin set about putting their affairs in order. Just four days after his passing, on
February 26, 2014, Erin telephoned a Liberty Mutual representative to report Ray’s
death.14 The next day, Liberty Mutual sent Erin a new Policy Declarations
information packet removing Ray from their policy.15 The February 27, 2014
Liberty Mutual Policy Declarations information packet was just that—an
information packet documenting the changed driver information. There was no
integrated or accompanying offer to provide new or additional UM/UIM coverage,
or any other coverage.16
It was not until late June of that year that Liberty Mutual next communicated
with Erin, mailing her a Renewal Packet that contained Declaration Pages, Policy
Amendments, and a Coverage Offer Form (collectively, the “2014 Renewal
Packet”).17
About fifteen pages into that renewal packet, the Coverage Offer Form refers
to the opportunity to obtain additional UM/UIM coverage if one currently has such.18
13
Pl.’s Mot. for Partial Summ. J. at ¶ 7; id. at Ex. G (2011 Policy Declarations, Driver
Information).
14
Id. at ¶ 7.
15
Id. at Ex. F.
16
Id.
17
Def.’s Mot. for Summ. J., Ex. E.
18
Id. (Coverage Offer Form).
Radulski v. Liberty Mutual
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It instructs the policyholder to “contact your local Liberty Mutual Sales Office” for
the calculation of the additional cost of acquiring such additional UM/UIM
coverage.19 It also tells the insured, “If we do not receive a call within 15 days,
the coverage previously selected will stay in effect.”20
B. CALAMITY HITS ERIN AGAIN
On December 30, 2016, hard fate struck Erin again. She was the driver of a
vehicle smashed by a tractor-trailer and was badly hurt as a result of the wreck.21
The tractor-trailer that hit Erin fled the collision scene. And neither the truck nor the
driver was ever identified.22
To cover the damages and medical expenses she incurred as a result of the
unidentified hit-and-run trucker’s misdeed, Erin turned to her Liberty Mutual auto
policy. It was then that she discovered that policy provided liability coverage of
$250,000/$500,000; but, it included only $100,000/$300,000 in UM/UIM coverage.
Had she known that limit had only ever been $100,000/$300,000, Erin says she
would have—as permitted by law and industry practice—brought her UM/UIM
coverage up to the same $250,000/$500,000 level as her liability coverage.23
19
Id.
20
Id. (bold in original).
21
Pl.’s Mot. for Partial Summ. J. at ¶ 1.
22
Id.
23
Purnell-Charleston v. State Farm Fire Cas. Co., 2011 WL 3812564, at *1 (Del. Super. Ct.
Aug. 29, 2011), aff’d, 2013 WL 455171 (Del. Feb. 6, 2013) (“It is presumed that the
policyholder would accept this offer.”); Knapp v. United Servs. Auto. Ass’n, 1997 WL 719340,
at *3 (Del. Super. Ct. Sept. 12, 1997) (“[A]bsent compliance with § 3902(b), the offer remains
open even if the insurer can show that the insured would have declined coverage.”), rev’d on
Radulski v. Liberty Mutual
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C. THE PARTIES’ CROSS-MOTIONS
In 2019, Erin commenced this declaratory judgment action and, through her
Complaint, requested that this Court reform the insurance policy to provide
UM/UIM coverage in the amount of $250,000/$500,000 and apply such coverage
retroactively to the date of the accident.24 Liberty Mutual answered Erin’s complaint
and, after discovery, the parties filed the cross-motions for summary judgment. The
Court has heard argument and received the parties’ supplemental filings. So the
cross-motions are now ripe for decision.
II. STANDARD OF REVIEW
This Court cannot grant any party’s motion for summary judgment under
Delaware Superior Court Civil Rule 56 unless no genuine issue of material fact
exists and that party is entitled to judgment as a matter of law. 25 Summary judgment
will not be granted if there is a material fact in dispute26 or if “it seems desirable to
inquire thoroughly into [the facts] to clarify the application of the law to the
other grounds, 708 A.2d 631 (Del. 1998); Eskridge v. Nat’l Gen. Ins. Co., 1997 WL 127959,
at *6 (Del. Super. Ct. Feb. 18, 1997) (“Where there is no evidence to the contrary, it is
presumed that the insured would accept this offer.”).
24
Compl. at ¶¶ 13, 14.
25
Del. Super. Ct. Civ. R. 56; Motors Liquidation Co. DIP Lenders Trust v. Allianz Ins. Co., 2017
WL 2495417, at *5 (Del. Super. Ct. June 19, 2017), aff’d sub. nom, Motors Liquidation Co.
DIP Lenders Trust v. Allstate Ins. Co., 2018 WL 3360976 (Del. July 10, 2018).
26
A fact is material if it might affect the outcome of the suit under governing law. See Anderson
v. Liberty Lobby, Inc., 477 U.S. 242, 248 (1986) (“Only disputes over facts that might affect
the outcome of the suit under the governing law will properly preclude the entry of summary
judgment.”); see also In re Asb. Litigation, 2006 WL 3492370, at *3 (Del. Super. Ct. Nov. 28,
2006); Farmers Bank of Willards v. Becker, 2011 WL 3925428, at *3 (Del. Super. Ct. Aug.
11, 2011).
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circumstances.”27 The burden is on the moving party to demonstrate its claim is
supported by undisputed facts.28 If that burden is met, the non-moving party must
demonstrate that “there is a genuine issue for trial.”29 And in determining whether
there is, the Court must view the facts in the light most favorable to that non-moving
party.30 Lastly, the Court accepts as true the parties’ factual stipulations.31
While the Court may not be able to grant summary judgment “if the factual
record has not been developed thoroughly enough to allow the Court to apply the
law to the factual record,”32 “a matter should be disposed of by summary judgment
whenever an issue of law is involved and a trial is unnecessary.”33
27
Ebersole v. Lowengrub, 180 A.2d 467, 468-69 (Del. 1962).
28
Moore v. Sizemore, 405 A.2d 679, 680 (Del. 1979); CNH Indus. Am. LLC v. Am. Cas. Co. of
Reading, 2015 WL 3863225, at *1 (Del. Super. Ct. June 8, 2015).
29
Del. Super. Ct. Civ. R. 56(e). See CNH Indus. Am. LLC, 2015 WL 3863225, at *1 (“If the
motion is properly supported, then the burden shifts to the non-moving party to demonstrate
that there are material issues of fact for resolution by the ultimate fact-finder.”); see also Tanzer
v. Int’l Gen. Indus., Inc., 402 A.2d 382, 385 (Del. Ch. 1979) (“If the movant puts in the record
facts which, if undenied, entitle him to summary judgment, the burden shifts to the defending
party to dispute the facts by affidavit or proof of similar weight.”).
30
Judah v. Del. Trust Co., 377 A.2d 624, 632 (Del. 1977) (“The facts must be viewed in the
manner most favorable to the nonmoving party . . . with all factual inferences taken against the
moving party and in favor of the nonmoving party.”).
31
S. G. Williams of Dover, Inc. v. Diamond State Vinyl, Inc., 430 A.2d 794, 796 (Del. Super. Ct.
1981).
32
CNH Indus. Am., 2015 WL 3863225, at *1.
33
Jeffries v. Kent Cty. Vocational Tech. Sch. Dist. Bd. of Educ., 743 A.2d 675, 677 (Del. Super.
Ct. 1999); Brooke v. Elihu-Evans, 1996 WL 659491, at *2 (Del. 1996) (“If the Court finds that
no genuine issues of material fact exist, and the moving party has demonstrated his entitlement
to judgment as a matter of law, then summary judgment is appropriate.”).
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These well-established standards and rules for summary judgment apply in
full when the parties have filed cross-motions for summary judgment.34 Cross-
motions for summary judgment certainly “are not per se” concessions that no
material factual disputes exist.35 But, where cross-motions for summary judgment
are filed and neither party argues the existence of a genuine issue of material fact,
“the Court shall deem the motions to be the equivalent of a stipulation for decision
on the merits based on the record submitted with the[m].”36 So, “the questions before
this Court are questions of law not of fact, and the parties by filing cross motions for
summary judgement have in effect stipulated that the issues raised by the motions
are ripe for a decision on the merits.”37
III. DISCUSSION
The key to resolving the parties’ dispute here is determining whether Liberty
Mutual ever communicated to Erin the meaningful offer of additional UM/UIM
coverage that Delaware law (i.e., 18 Del. C. §3902(b)) required.
A. SECTION 3902(b), ITS PURPOSE, AND THE COURT’S ENFORCEMENT THEREOF
34
Spivey v. USAA Casualty Ins. Co., 2017 WL 3500402, at *4 (Del. Super. Ct. Aug. 15, 2017)
(“[T]he standard of review on cross-motions for summary judgment is equivalent to the
situation where one party moves for summary judgment.”); Verizon Commc’ns Inc. v. Illinois
Nat’l Ins. Co., 2017 WL 1149118, at *5 (Del. Super. Ct. Mar. 2, 2017); Capano v. Lockwood,
2013 WL 2724634, at *2 (Del. Super. Ct. May 31, 2013) (citing Total Care Physicians, P.A.
v. O’Hara, 798 A.2d 1043, 1050 (Del. Super. Ct. 2001)).
35
United Vanguard Fund, Inc. v. TakeCare, Inc., 693 A.2d 1076, 1079 (Del. 1997).
36
Del. Super. Ct. Civ. R. 56(h).
37
Health Corp. v. Clarendon Nat. Ins. Co, 2009 WL 2215126, at *11 (Del. Super. Ct. July 15,
2009).
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Section 3902(b) of Title 18 reads, in pertinent part,
Every insurer shall offer to the insured the option to purchase
additional coverage for personal injury or death up to a limit of
$100,000 per person and $300,000 per accident or $300,000
single limit, but not to exceed the limits for bodily injury liability
set forth in the basic policy. Such additional insurance shall
include underinsured bodily injury liability coverage.
This Court’s decision in Shukitt v. United Services Automobile Association is
oft-cited for its succinct explication of § 3902(b)’s purpose:
An objective of § 3902(b) is to give those who carry liability
coverage in excess of the minimum statutory amount the full
opportunity to carry uninsured (and now underinsured) coverage
in an equal amount. The duty which is imposed by statute is the
duty to offer such insurance so that the insured can make an
informed decision. An informed decision can be made only if all
of the facts reasonably necessary for a person to be adequately
informed to make a rational, knowledgeable and meaningful
determination have been supplied.
The prospect of overbearing is sufficiently great that section
3902(b) was enacted to require dissemination of important
information which many consumers, other than the most diligent,
might not discover. The statute’s purpose is to ensure that
responsible Delaware drivers—i.e. drivers who maintain
responsible limits of liability coverage—can avail themselves of
equal UM/UIM coverage in the event they encounter less
responsible tortfeasors.38
38
2003 WL 22048222, at *3 (Del. Super. Ct. Aug. 13, 2003) (internal quotations and citations
omitted).
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To achieve this purpose, “Delaware courts have strictly enforced Section 3902(b)’s
requirement that insurance carriers clearly communicate offers of additional
UM/UIM coverage to their policyholders.”39
B. LIBERTY MUTUAL’S DUTY UNDER SECTION 3902(b)
The duty to convey a meaningful offer of UM/UIM coverage arises “when a
new policy, other than a renewal[,] is offered, and a new policy is issued when there
is a material change in the policy.”40 “Consonant with Delaware law, the offer of
additional coverage must be made whenever the policy is changed in such respects
as the vehicle insured, the coverage provided, and/or the identity of the named
insured.”41 No doubt, a material change here occurred when Ray passed and Erin
had to have him removed their insurance policy—that is, when the policy changed
with respect to the identity of the named insured.42
39
Brintzenhoff, 2004 WL 2191184, at *1 (quoting Shukitt, 2003 WL 22048222, at *3)).
40
Drenth, 1997 WL 720459, at *2.
41
State Farm Mut. Auto. Ins. Co. v. Arms, 477 A.2d 1060, 1066 (Del. 1984).
42
[LIBERTY MUTUAL]: . . . What I want to address more specifically, Your
Honor, is the argument about February of 2014,
which is when the material change to the policy was
made.
THE COURT: So you agree that is material change?
[LIBERTY MUTUAL]: No question.
Oral Arg. Tr., Feb. 19, 2020, at 16 (D.I. 28).
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C.A. No. N19C-03-192 PRW
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The insurance carrier must offer the insured additional coverage “‘so that the
insured can make an informed decision’ regarding the limits of coverage.”43 “An
informed decision can be made only if all of the facts reasonably necessary for a
person to be adequately informed to make a rational, knowledgeable and meaningful
determination have been supplied.”44 So, when Liberty Mutual removed Ray from
the Radulskis’ insurance policy, Liberty Mutual incurred a concurrent duty to make
a meaningful offer of additional uninsured/underinsured motorist coverage to Erin.
And now, Liberty Mutual has the burden of demonstrating to the Court that it did
so.45
To have communicated a meaningful offer, and thus have provided Erin with
the basis to make an informed decision, Liberty Mutual was required to give:
“(1) the cost of the additional coverage; (2) a communication to [her] which clearly
offers [UM/UIM] coverage; and (3) an offer for uninsured motorist coverage made
in the same manner and with the same emphasis as the insurer’s other coverage.”46
If the Liberty Mutual fails to meet its burden to have done so, then it is deemed to
43
Mason v. United Servs. Auto. Ass’n, 697 A.2d 388, 393 (Del. 1997) (quoting Morris v. Allstate
Ins. Co., 1984 WL 3641, at *1 (Del. Super. Ct. July 10, 1984)).
44
Id. (quoting Morris, 1984 WL 3641, at *1).
45
Id. at 394 (“USAA has therefore failed to meet its burden to show that it made a meaningful
offer of additional uninsured motorist coverage at the time of Mrs. Howerton’s material policy
changes.”); Shukitt, 2003 WL 22048222, at *3 (“[T]he insurer bears the burden of
demonstrating compliance with Section 3902(b).”); Drenth, 1997 WL 720459, at *3 (“[T]he
statute [§ 3902(b)] and case law require an offer each time a material change is made.”).
46
Id. (quoting Shukitt, 2003 WL 22048222, at *3).
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have extended “a continuing offer for additional insurance, which [Erin] may accept
even after [her] [] accident.”47
C. LIBERTY MUTUAL DIDN’T MAKE THE REQUIRED MEANINGFUL OFFER TO ERIN
So, did Liberty Mutual make a meaningful offer to Erin that conformed
§ 3902(b)’s requirements? It did not.
1. The Timeliness Requirement
A meaningful offer is one that is timely made.48 Indeed, “timeliness of the
offer is of the utmost importance in considering whether a meaningful offer has been
communicated.”49 And “to be made in a timely manner, the offer must be
communicated at or near the time a material change is made to the policy.”50
Liberty Mutual suggests that no matter any defect the Court may find in the
change information packet that was mailed to Erin five days after Ray’s death, its
transmission of the June 2014 Renewal Packet should be deemed the meaningful
offer of additional UM/UIM coverage required.51 Not so.
Assuming for a moment that the renewal packet met the informational
requirements of a meaningful offer, it could only have been received by Erin some
four months after her policy change. And this is simply far too late to be considered
47
Id.
48
See Mason, 697 A.2d at 393-94 (insurer had burden of showing it made a meaningful offer of
additional uninsured motorist coverage “at the time of [insured’s] material policy changes”).
49
Shukitt, 2003 WL 22048222, at *5 (citing Mason, 697 A.2d at 394).
50
Id.; Mason, 697 A.2d at 394.
51
Def.’s Mot. for Summ. J. at p. 6.
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the timely communication that § 3902(b) and Delaware case law require.52 So the
Court cannot deem the June 2014 Renewal Packet—nor any like renewal packets
sent in subsequent years53—to be an offer “at or near the time of” Erin’s material
policy change. The June 2014 offer was not timely and thus not meaningful.
2. The February 27th Communication Not a “Meaningful Offer”
So Liberty Mutual must demonstrate its February 27, 2014 update of policy
declarations and documents54 met its affirmative duty to make the offer. “Delaware
courts have strictly enforced Section 3902’s requirement that insurance carriers
52
Mason, 697 A.2d at 394 (an offer made “many months” after a material change to an insurance
policy is not timely).
53
Liberty Mutual has suggested also that Erin’s ability and failure to accept any potential offer
of additional UM/UIM coverage via the June 2014, June 2015, and June 2016 renewal
packages—which, it claims, met the informational requirements of a “meaningful offer”—
purges its February 2014 failure and extinguishes Erin’s right to later relief in the form of
reformation. Oral Arg. Tr., Feb. 19, 2020, at 21 (quoting Morris, 1984 WL 3641, at *3). The
Court cannot agree. The timely meaningful offer requirement is meant to ensure an insurance
consumer receives important information so as to make an informed decision at a critical
juncture in her relationship with her insurer. Erin’s situation is emblematic of why that
requirement is so strictly enforced and should not be so easily excused by the insurer’s resort
to the more repetitive and mundane communications that occur in the insured-insurer
relationship. See Mason, 697 A.2d at 394; Shukitt, 2003 WL 22048222, at *5 (observing that
“policy renewals are mere continuations of an existing policy, [such that] an offer of additional
insurance would have to be more prominently displayed to attract a policyholder’s attention).
And “[a]n untimely offer made months or even years later in a policy renewal cannot cure the
defective offer.” Shukitt, 2003 WL 22048222, at *5.
And even if it could, the Court cannot agree that the record evidence produced shoulders
Liberty Mutual’s burden to show that these later communications made the meaningful offer
contemplated in such circumstances. First, the June 2015 and June 2016 renewal packages
have not been made part of the record here. Second, even if those renewal communications
were mirror images of 2014’s, they are insufficient. E.g. Shukitt, 2003 WL 22048222, at *5.
54
Pl.’s Mot. for Partial Summ. J., Ex. F.
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clearly communicate offers of additional UM/UIM coverage to their
policyholders.”55 Again, a meaningful offer requires: “(1) the cost of the additional
coverage; (2) a communication to the insured which clearly offers [UM/UIM]
coverage; and (3) an offer for uninsured motorist coverage made in the same manner
and with the same emphasis as the insurer’s other coverage.”56 The February 2014
policy update Liberty Mutual sent to Erin contains none of this. Consequently,
Liberty Mutual’s statutorily required offer is deemed a continuing offer for
additional UM/UIM insurance, which Erin may now accept.57
VI. CONCLUSION
Liberty Mutual did not make a meaningful offer of additional UM/UIM
coverage to Erin within the meaning of 11 Del. Code § 3902(b). Because the offer
remains open and Erin is presumed to accept this offer, the Court will reform her
policy to reflect the increased UM/UIM coverage up to her liability coverage of
$250,000 per person/$500,000 per accident.58 Accordingly, Erin’s motion for
summary judgment is GRANTED, and Liberty Mutual’s cross-motion for summary
judgment is DENIED.
IT IS SO ORDERED.
/s/ Paul R. Wallace
Paul R. Wallace, Judge
cc: All Counsel via File and Serve
55
Spivey, 2017 WL 3500402, at *4 (internal quotations and citations omitted).
56
Hudson v. Colonial Penn Ins. Co., 1993 WL 331168, at *3 (Del. Super. Ct. July 21, 1993).
57
Brintzenhoff, 2004 WL 2191184, at *1; Drenth, 1997 WL 720459, at *3.
58
Harding v. N.K.S. Distributors, Inc., 1991 WL 215757, at *3 (Del. Super. Ct. Oct. 1, 1991).