Rhodes, W. v. USAA Casualty Insurance

J-A19021-14
NON-PRECEDENTIAL DECISION - SEE SUPERIOR COURT I.O.P. 65.37
WILLIAM F. RHODES, JR. AND CARRIE E. IN THE SUPERIOR COURT OF
RHODES PENNSYLVANIA
Appellants
v.
USAA CASUALTY INSURANCE COMPANY
Appellee No. 1431 WDA 2013
Appeal from the Judgment Entered August 20, 2013
In the Court of Common Pleas of Blair County
Civil Division at No(s): 2004 BN 2279
BEFORE: BENDER, P.J.E., OLSON and FITZGERALD,* JJ.
MEMORANDUM BY OLSON, J.: FILED DECEMBER 16, 2014
Appellants, William F. Rhodes, Jr. and Carrie E. Rhodes (hereinafter,
collectively “the Rhodeses”), appeal from the judgment entered on August
20, 2013. We affirm.
In an earlier opinion from this Court, we summarized the pre-trial
posture of this case. As we explained:
On July 1, 2000, while Mr. Rhodes was driving his brother’s
motorcycle, he was involved in an accident, from which he
suffered numerous injuries sufficiently serious as to require
hospitalization in an intensive care unit for several days.
[At the time, the Rhodeses were the named insureds on a
USAA Casualty Insurance Company (hereinafter “USAA”)
motor vehicle policy, which provided underinsured motorist
(hereinafter “UIM”) coverage in the total amount of
$200,000.00]. . . .
The Rhodeses filed a claim with State Farm Insurance
Company, which was the insurer of the tortfeasor, i.e., the
driver of the vehicle that collided with [Mr. Rhodes]. State
* Former Justice specially assigned to the Superior Court.
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Farm paid $50,000[.00], which was the liability limit of the
tortfeasor’s policy, to the Rhodeses. Subsequently, on
August 20 2001, the Rhodeses contacted USAA [(their
insurer)] and Progressive Insurance Company [(the insurer
of the motorcycle)], with notice of an underinsured motorist
claim. Progressive tendered payment of $15,000[.00] to
the Rhodeses on October 12, 2001.
On May 10, 2002, the Rhodeses [provided] to USAA their
statement of demand settlement package, which included
medical records and other documentation as to [Mr.
Rhodes’] injuries and damages. The Rhodeses placed a
total value on their claim of $235,000[.00], and offered to
settle for $175,000[.00]. On July 10, 2002, Linda Barboza,
the USAA claims examiner for large loss claims assigned to
the Rhodeses’ claim, offered to settle for $5,000[.00].
USAA contended that there was a question as to causation
for one of [Mr. Rhodes’] injuries, specifically a neck injury.
The Rhodeses rejected the offer as “ridiculous” and “not
made in good faith” and requested arbitration.
At this point, Alma Trevino, a USAA senior litigation
manager for the northwest region, and Joel Kormanski,
outside counsel [(hereinafter “Attorney Kormanski”)], took
over the Rhodeses’ claim. After reviewing the Rhodeses’
file[,] and in light of the $65,000[.00] already paid by other
insurance carriers on the claim, Ms. Trevino determined that
Ms. Barboza’s $5,000[.00] settlement offer was fair.
However, when [Attorney] Kormanski initially reviewed the
case, he determined that the Rhodeses’ claim was worth
more than $5,000[.00], but less than the Rhodeses’
$200,000[.00] policy limit. [Attorney] Kormanski informed
Ms. Trevino of his determination via letter dated August 6,
2002. Slightly more than a month later, on September 15,
2002, [Attorney] Kormanski informed Ms. Trevino that it
would probably require $50,000[.00] to $65,000[.00], or
more, to resolve the Rhodeses’ case. [Attorney] Kormanski
sought an independent medical examination of Mr. Rhodes,
particularly with regard to the disputed neck injury. . . .
Dr. Kelly Agnew, an orthopedic physician, conducted the
[independent medical] examination on November 14, 2002,
immediately following which Dr. Agnew wrote a report
favorable to USAA’s position as to causation of [Mr.
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Rhodes’] neck injury. Mr. Rhodes underwent a surgical
procedure related to his neck injury in January 2003.
By letter dated July 1, 2003, USAA increased its settlement
offer to $50,000[.00], which the Rhodeses rejected. USAA
then made several other offers, of $65,000[.00]; of
$80,000[.00]; and[,] on November 21, 2003, a “bottom
line” offer of $100,000[.00], all of which were rejected. On
December 4, 2003, the Rhodeses renewed their settlement
demand of $175,000[.00], and stated that if the offer were
not accepted by December 29, 2003, it would be withdrawn
and the parties would proceed to arbitration. USAA agreed
to settle the claim for $175,000[.00] on December 22,
2003. After rejecting two drafts of a settlement/release
agreement, the Rhodeses accepted and signed the final
agreement on January 12, 2004.
On July 15, 2004, the Rhodeses filed suit against USAA for
breach of its contractual duty to act in good faith in the
handling of their underinsured motorist claims and sought
compensatory and punitive damages in accordance with 42
Pa.C.S.A. § 8371 and Pennsylvania common law. After
nearly two years of discovery, on July 13, 2006, the
Rhodeses filed a motion for partial summary judgment; and
on August 17, 2006, USAA filed its own motion for summary
judgment. Oral argument on the cross motions [for
summary judgment] was held on September 15, 2006. . . .
[O]n October 11, 2006 [(which was before the trial court
rendered a decision on the cross-motions for summary
judgment),] the trial court granted in part USAA’s Motion to
Compel Plaintiff’s Response to Defendant’s First Set of
Interrogatories and Request for Production of Documents.
In its [October 11, 2006] order, the trial court directed that
the Rhodeses provide USAA with the entire content of their
attorney’s file on the underlying [UIM] claim, excluding any
information protected by the attorney-client privilege. The
trial court reasoned that [the Rhodeses’ attorney’s] file was
discoverable because [the issue of] whether the Rhodeses
acted in good faith in the underlying UIM claim was relevant
to whether USAA’s conduct constituted bad faith. USAA
claimed that it needed the information to evaluate whether
its insureds . . . acted in good faith, and the trial court
agreed with this rationale. . . .
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On November 8, 2006, the trial court granted
reconsideration and vacated its October 11, 2006 order
pending review. However, before argument could take
place on the Rhodeses’ reconsideration motion, [the trial
court issued its order on the cross-motions for summary
judgment. Specifically,] . . . the trial court denied the
Rhodeses’ motion for partial summary judgment, but
granted USAA’s motion for summary judgment and
dismissed the Rhodeses’ complaint with prejudice. The
Rhodeses filed a timely appeal [from the trial court’s
summary judgment order], and USAA cross-appealed.
On [January 31, 2008], th[e Superior Court vacated the trial
court’s summary judgment order in part and remanded the
case for further proceedings. Specifically, we vacated the
portion of the order that granted USAA’s motion for
summary judgment because, we concluded, there were
genuine issues of material fact that needed to be resolved
at trial. Within our January 31, 2008 memorandum, we
also affirmed the portion of the trial court’s order that
denied the Rhodeses’ cross-motion for summary judgment
and we quashed USAA’s cross-appeal from the summary
judgment order. Rhodes v. USAA Cas. Ins. Co., 951
A.2d 1225 (Pa. Super. 2008) (unpublished memorandum)
at 1-30 (hereinafter “Rhodes I”)].
...
On remand, [a new trial court judge] was assigned to
preside over the matter. On August 31, 2009, [the trial
court] reinstated the October 11, 2006 order granting
USAA’s motion to compel [the production of documents].
Rhodes v. USAA Cas. Ins. Co., 21 A.3d 1253, 1255-1257 (Pa. Super.
2011) (hereinafter “Rhodes II”) (internal citations, footnotes, and
corrections omitted) (some internal quotations omitted).
The Rhodeses filed a timely notice of appeal from the trial court’s
collateral order granting USAA’s motion to compel the production of
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documents. On appeal, the Rhodeses claimed that the trial court “abused its
discretion by ordering [them] to produce their attorney’s entire work
product, without identifying, performing a relevancy analysis, or examining
any of counsel’s protected records under Pa.R.C.P. 4003.3.” Rhodes II, 21
A.3d at 1258. On May 17, 2011, this Court filed a published opinion,
wherein we concluded that the trial court had erred when it granted USAA’s
motion to compel the production of documents. Therefore, we vacated the
trial court’s discovery order and remanded the case for trial. Rhodes II, 21
A.3d at 1258.
The case proceeded to a five-day bench trial. The trial court explained
the evidence that was presented during the trial, as well as the factual
findings it rendered from this evidence:
Through their attorney, [Richard Serbin, Esquire
(hereinafter “Attorney Serbin”)], the Rhodeses notified
USAA of their [UIM] claim on August 20, 2001. Linda
Barboza, a claims handler employed by USAA, was assigned
the case on September 7, 2001. By letter dated October 5,
2001, Attorney Serbin wrote to Ms. Barboza advising her it
was “premature to make a claim” since Mr. Rhodes
continued receiving medical treatment.
...
[On May 17, 2002, Attorney Serbin] submitted to USAA [the
Rhodeses’] statement of demand (dated May 10, 2002),
wherein they informed [USAA that] they [valued] their
claim at $235,000.00, which [was] in excess of USAA’s UIM
stacked coverage of $200,000.00, and [that they] offered to
settle their claim for $175,000.00. By this time, the
Rhodeses had received $50,000.00 from State Farm and
$15,000.00 from Progressive Insurance Company.
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...
On June 20, 2002, USAA ran a Colossus[1] report using the
statement of demand and Mr. Rhodes’ medical records[.
The Colossus program initially] produced a value on the
claim of $9,949.00 to $22,609.00. . . . [At the time of the
initial input, Ms. Barboza] entered into the computer system
[] the statement of demand’s representation that Mr.
Rhodes had suffered a disc herniation in his neck as a result
of the accident. . . .
[Following the initial Colossus report, a] member of USAA’s
Colossus team, Kathy Ortiz, informed Ms. Barboza that disc
herniation should not have been entered into the computer
system because Mr. Rhodes did not treat for [the] neck
injury until more than one year [after] the accident.
[Therefore, at Ms. Ortiz’s] direction, Ms. Barboza
substituted [“neck soft tissue injury”] for [“disc herniation”].
The second Colossus run resulted in a value of $0 to
$3,209.00 (money in excess of the $65,000.00 the
Rhodeses had already received). The second [Colossus] run
included $7,500.00 (up from $5,000.00) for disfigurement. .
..
[On July 10, 2002, USAA offered to settle the claim for
$5,000.00. This initial offer was] based on a total value of
the claim at $70,000.00. On July 15, 2002, [the Rhodeses,
through Attorney Serbin, rejected the $5,000.00 offer.
Further, within Attorney Serbin’s rejection letter, Attorney
Serbin demanded that USAA select an arbitrator and
Attorney Serbin] advised USAA [that] he considered the
initial offer was made in bad faith. No counter-demand was
made. . . .
USAA transferred the Rhodeses’ claim to [Blanca Alma
Trevino] on July 29, 2002, because of the demand for
arbitration, i.e., litigation. Also, on July 29, 2002, USAA
referred the defense of the Rhodeses’ claim to the law firm
____________________________________________
1
Blanca Alma Trevino, USAA’s senior litigation manager, testified during the
trial that “Colossus” is a software program that USAA utilizes to evaluate
injury claims. N.T. Trial, 12/5/11 (afternoon session), at 20.
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of Meyer Darragh. On August 1, 2002, Joel Kormanski,
Esquire, of Meyer Darragh [(hereinafter “Attorney
Kormanski”)], called Ms. Trevino to discuss the assignment.
From this point on in the chronology of events leading up to
USAA’s paying the Rhodeses their settlement demand of
$175,000.00 on January 12, 2004, there is a difference in
the factual statements of the parties [and] . . . in the effect
the actions or inactions of USAA had on the ultimate
outcome of the Rhodeses’ claim. The [trial c]ourt finds
credible the evidence hereafter set forth.
Mr. Rhodes suffered a football injury in 1991, which
produced symptoms similar to those he complained of at
the time of his written statement under oath to USAA. [Dr.
D. Kelly Agnew] conducted an independent medical
examination [(hereinafter “IME”)] of Mr. Rhodes on
November 14, 2002. Attorney Kormanski received Dr.
Agnew’s report on December 3, 2002, and sent it to
Attorney Serbin [and Ms. Trevino] on December 10, 2002.
[Within Dr. Agnew’s report, Dr. Agnew concluded the
following:
Clearly, Mr. Rhodes had a history of cervical injury in
1992. He had been injured playing football. He had
several months of chiropractic care. He volunteers that
he did have upper extremity paresthesias from the
injury and, in fact, when he returned to football he had
recurrent paresthesias. This history is confirmed in the
neurologist’s notes. As such, Mr. Rhodes had to leave
football due to upper extremity neurologic complaints.
Indeed, Mr. Rhodes had prior complaints of upper
extremity paresthesias when he would turn his head.
Dr. [Kornel] Lukacs, in August of 1993, clearly indicated
that there was numbness radiating to the arm and that
when Mr. Rhodes turned his head to the right there
would be neck discomfort and arm numbness.
It would certainly appear that Mr. Rhodes had enough of
a cervical injury in 1993 to cause some positional nerve
root irritation.
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Mr. Rhodes was involved in a well[-]documented
motorcycle accident [on] July 1, 2000. Abrasions and
contusions were documented including abrasions to the
upper extremities and the left knee. These abrasions
have all healed. He has minimal skin discoloration.
Overall, they have healed with goof [sic] cosmesis.
These healed abrasions are not a source of any
limitations or disability whatsoever.
There is nothing in the medical records to suggest that
Mr. Rhodes sustained any structural damage to the left
knee in the motorcycle accident. Clearly, he did have an
anterior abrasion. The MRI obtained shortly after
accident would rule[] out any structural damage.
Indeed, his knee examinations are normal and
symmetrical today. Mr. Rhodes has not sustained any
impairment about the left knee from the motorcycle
accident. Again, the abrasion at the knee has simply
healed.
Mr. Rhodes was to later voice cervical complaints. There
is no documentation in the early medical records
including the records of Drs. Thompson, Schmidt, and
Rowe that there were any complaints about the cervical
spine in the months following the [July 1, 2000
motorcycle] accident. Physical therapy notes would
appear to be aimed exclusively at the knee early on
without any mention of the cervical spine.
One year later, Dr. [Frank E. Sangiorgio] documented
some cervical complaints. There would be no way to
ascribe cervical complaints documented one year later to
the motorcycle accident.
Mr. Rhodes has been evaluated by two cervical MRI
studies. I have had the opportunity to review both of
those studies. The studies reveal aging changes. He
has bone spur or osteophyte formation and disc bulging
at two levels. There are no traumatic changes which
might be ascribed to the motorcycle accident. Again,
there was no documentation of symptoms in the medical
records until one year after the motorcycle accident.
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Mr. Rhodes has an unremarkable examination of cervical
spine. However, his history of radiating discomfort with
turning his head to the right could indicate that he is
having some intermittent positional irritation of a nerve
root, in all likelihood the C6 nerve root, since it is
accompanied by thumb numbness. He has no actual
radicular findings to confirm radiculopathy such as a
diminished biceps reflex, biceps atrophy[,] or diminished
biceps strength. The sensory disturbance which he
reports to pinprick is not purely radicular.
Any positional irritation of a cervical nerve root, which
Mr. Rhodes may be experiencing, is unrelated to his
motorcycle accident. Again, it would appear that he had
similar symptoms after a football injury in the early
1990’s. These symptoms could be produced by the
degenerative changes seen in his cervical spine by MRI.
There is certainly nothing to suggest that these changes
were in any[] way accelerated or aggravated by the
motorcycle accident. Again, there is no documentation
of these symptoms in the medical records for one year
following that event.
D. Kelly Agnew, M.D. Report, dated 11/14/02, at 17-19].
On November 21, 2002, at a pre-arbitration conference,
Attorney Serbin informed Attorney Kormanski that Mr.
Rhodes had undergone tests with Dr. [Ciceron L.] Opida and
had been referred for a surgical evaluation with a
neurosurgeon in December, and Mr. Rhodes would not be
ready for an arbitration hearing until the following spring.
On December 3, 2002, Mr. Rhodes treated with Dr. [E.
Richard] Protsko and was referred for an angiogram and a
consult with Dr. Kyle Kim. . . . On December 20, 2002, Dr.
Kim recommended cervical surgery and Mr. Rhodes
intended to schedule the surgery.
The arbitration panel had set April 30, 2003[] as the date
for the hearing.
On January 21, 2003, Mr. Rhodes had cervical surgery. The
treatment records of Dr. Opida, a neurologist, contained no
reference to Dr. Kim or that Mr. Rhodes was to undergo
surgery. On January 21, 2003, Attorney Kormanski
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received medical records [from] Dr. Protsko, an associate of
[Dr. Kim’s], which contained no indication of surgery being
scheduled.
Dr. Agnew sent Attorney Kormanski a supplemental report,
dated February 28, 2003, and received by Attorney
Kormanski on March 17, 2003, which contained no
reference to Mr. Rhodes’ surgery.
As of March 13, 2003, Ms. Trevino anticipated increasing
the settlement offer based on additional information from
Attorney Kormanski.
On March 20, 2003, Attorney Kormanski called Attorney
Serbin[] to discuss Dr. Agnew’s objections to Attorney
Serbin’s subpoena, and learned, for the first time, [that] Mr.
Rhodes had undergone neck surgery in January. Attorney
Serbin placed USAA on notice at that time that the accident
caused Mr. Rhodes to suffer a vascular injury to his neck.
This was Attorney Kormanski[’s] and USAA’s first notice
[that] Mr. Rhodes [had] suffered a vascular injury. On
March 20, 2003, Attorney Kormanski called Ms. Trevino and
advised her of what he had learned.
On March 21, 2003, Attorney Kormanski received Mr.
Rhodes’ [surgical] records from [Attorney Serbin. Attorney
Kormanski] immediately forwarded them to Dr. Agnew for
his review and opinion. Dr. Agnew authored a March 27,
2003[] report wherein he rendered an opinion that the
vascular surgery was unrelated to the July 1, 2000
[motorcycle accident]. [However,] Dr. Agnew [informed]
Attorney Kormanski that vascular surgery was outside [of]
his specialty.
On March 31, 2003, Attorney Kormanski learned that the
arbitration hearing was continued.
On April 16, 2003, Attorney Kormanski wrote [to] Attorney
Serbin[, informing] him [that] he was waiting for a medical
report from him that would support the Rhodeses’
contention that the neck complaints were related to the
accident.
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Following the surgery with Dr. Kim, Mr. Rhodes received an
evaluation from Dr. Lukacs, who had treated Mr. Rhodes in
1992 for his 1991 football injury, but not since then. On
May 5, 2003, Dr. Lukacs wrote a letter to Attorney Serbin
stating [that] the need for the [January 21, 2003] neck
surgery was caused by the July 1, 2000[] accident. The
first report of causation [Attorney Kormanski] received from
Attorney Serbin was in a June 5, 2003 letter, which included
Dr. Lukacs’[] report and office records. Dr. Lukacs is a
neurologist.
Dr. [Michael G.] Moncman conducted an independent
medical records review of Mr. Rhodes’ medical records. On
July 14, 2003, Attorney Kormanski received Dr. Moncman’s
report. Dr. Moncman provided a second report, dated July
21, 2003. Dr. Moncman opined [that] there was no way a
conclusion could be reached with reasonable medical
certainty that the motorcycle accident caused Mr. Rhodes to
have vertebrobasilar symptoms one year later. In Dr.
Moncman’s supplemental report, received by Attorney
Kormanski on July 24, 2003, he advised with reasonable
medical certainty [that] Mr. Rhodes’ vertebrobasilar
insufficiency was not caused by the accident.
On October 7, 2003, Dr. Sangiorgio authored a report. In
his report, Dr. Sangiorgio opined that Mr. Rhodes’ problems
were directly a result of the accident on July 1, 2000.
Attorney Serbin sent Dr. Sangiorgio’s report to Attorney
Kormanski and a letter dated October 13, 2003, and made a
demand of $160,000.00. Attorney Kormanski had not
received previous reports from Dr. Sangiorgio.
On December 2, 2003, Attorney Serbin sent to Attorney
Kormanski Dr. Kim’s November 14, 2003 report. In [that]
report, [Dr. Kim] stated Mr. Rhodes’ prognosis was
excellent and it would be reasonable to conclude [that] the
accident caused his symptoms or aggravated a pre-existing
condition. Attorney Kormanski sent copies of Dr. Kim’s
report to USAA, Dr. Agnew[,] and Dr. Moncman.
In a letter dated December 4, 2003, Attorney Serbin
increased the Rhodeses’ demand to $175,000.00. In a
letter dated December 22, 2003, Attorney Kormanski
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advised Attorney Serbin that USAA agreed to pay
$175,000.00.
By the time of the settlement of the Rhodeses’ claim, USAA
had in its possession two reports from Dr. Moncman and
three reports from Dr. Agnew that the July 1, 2000
motorcycle accident did not cause Mr. Rhodes to suffer any
type of neck injury nor was there a need for neck surgery.
Attorney Kormanski, soon after he was retained, informed
USAA he did not necessarily believe the value of the
Rhodeses’ UIM claim was more than $5,000.00, on top of
the $65,000.00 [the Rhodeses] already had received.
However, there are uncertainties with litigation and
expenses and he could see a willingness to move to a higher
amount to settle the claim.
Alma Trevino did not increase Linda Barboza’s offer of
$5,000.00 because she believed she would not be able to
offer enough money to satisfy the Rhodeses, and she had
no report causally linking [Mr. Rhodes’] disc herniation,
which was included in the settlement demand, to the
accident.
Trial Court Opinion, 7/19/13, at 3-9 (internal citations omitted) (some
internal capitalization omitted).
On July 19, 2013, the trial court entered its verdict in the case, finding
in favor of USAA and against the Rhodeses. As the trial court explained in
its contemporaneously filed opinion, it found in favor of USAA because the
Rhodeses did not prove, by clear and convincing evidence, that there was an
“unreasonable delay in the resolution of the Rhodeses’ claim caused by
USAA’s not having a reasonable basis for paying the Rhodeses’ settlement
demand sooner.” Id. at 13.
On July 25, 2013, the Rhodeses filed a 29-page post-trial motion,
which the trial court denied on August 9, 2013. Judgment was entered on
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August 20, 2013 and the Rhodeses filed a timely notice of appeal. The
Rhodeses raise five claims on appeal:
1. Whether the [trial c]ourt misapprehended the issues
raised by the insureds, and as a result of its narrow and
inaccurate definition of the issue, overlooked clear and
convincing evidence of the insurer’s continuing course of
bad faith conduct?
2. Whether the [trial c]ourt followed the law of the case
established in the two prior opinions of [the Superior] Court
regarding the focus of a bad faith claim, the scope of the
insurer’s conduct to be reviewed, and the evidence to be
considered?
3. Whether the [trial c]ourt erred in quashing the insureds’
timely served Rule 234.3 Notices to Attend and Produce
[D]ocuments, directed to the insurer’s management
employees involved with the claim, and thereafter abused
its discretion by refusing to apply the missing witness rule
when the identified employees did not attend?
4. Whether the [trial c]ourt abused its discretion by
precluding the admission of the trial deposition of the
insurer’s deceased senior supervisor and litigation claims
advisor to the responsible claims handlers?
5. Whether the [trial c]ourt circumvented basic rules of
evidence by admitting the insurer’s “exhibit book”[] without
requiring a foundation or witness authentication, including
documents relied upon by the [trial c]ourt in reaching its
verdict?
The Rhodeses’ Brief at 4-5 (some internal capitalization omitted).
As this Court has recently explained:
Our Supreme Court has long recognized that “the utmost
fair dealing should characterize the transactions between an
insurance company and the insured.” Dercoli v. Pa. Nat’l
Mut. Ins. Co., 554 A.2d 906, 909 (Pa. 1989), quoting
Fedas v. Ins. Co. of the State of Pa., 151 A. 285, 286
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(Pa. 1930). Moreover, the insurance company has a duty to
deal with its insured on a fair and frank basis, and at all
times, to act in good faith.
In 1990, our legislature created a statutory remedy for bad
faith conduct by an insurance company:
[42 Pa.C.S.A. § 8371]. Actions on insurance policies
In an action arising under an insurance policy, if the
court finds that the insurer has acted in bad faith toward
the insured, the court may take all of the following
actions:
(1) Award interest on the amount of the claim from
the date the claim was made by the insured in an
amount equal to the prime rate of interest plus 3%.
(2) Award punitive damages against the insurer.
(3) Assess court costs and attorney fees against the
insurer.
42 Pa.C.S.A. § 8371.
. . . [Our caselaw holds that,] to succeed on a claim under
section 8371, the insured must show that “the insurer did
not have a reasonable basis for denying benefits under the
policy and that the insurer knew of or recklessly disregarded
its lack of reasonable basis in denying the claim.” See,
e.g., O’Donnell v. Allstate Ins. Co., 734 A.2d 901, 906
(Pa. Super. 1999), citing MGA Ins. Co. v. Bakos, 699 A.2d
751, 754 (Pa. Super. 1997). To constitute bad faith it is not
necessary that the refusal to pay be fraudulent. However,
mere negligence or bad judgment is not bad faith. The
insured must also show that the insurer breached a known
duty ( i.e., the duty of good faith and fair dealing) through a
motive of self-interest or ill will.
This Court has noted that the bad faith statute extends to
the handling of UIM claims, despite their similarity to third
party claims. Also, section 8371 is not restricted to an
insurer’s bad faith in denying a claim. An action for bad
faith may extend to the insurer’s investigative practices.
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Bad faith conduct also includes lack of good faith
investigation into facts, and failure to communicate with the
claimant. . . .
Bad faith claims are fact specific and depend on the conduct
of the insurer vis á vis the insured.
Grossi v. Travelers Personal Ins. Co., 79 A.3d 1141, 1148-1149 (Pa.
Super. 2013) (some internal quotations and citations omitted).
The Rhodeses first claim that the trial court misunderstood their bad
faith claim and that, as a result of this misunderstanding, the trial court
“failed to consider” the following evidence of USAA’s bad faith: USAA’s
“inadequate investigation” into their claim; USAA’s “lowball offers” to the
Rhodeses; USAA’s “repeated rejection of its attorney’s advice on valuation;”
USAA’s “failure to review the medical and other documentation relied upon
by its attorney to support his recommendations;” USAA’s “factual errors
[that it] entered into the Colossus valuation program;” USAA’s “abuse of the
IME process;” and, USAA’s “unlawful release agreements.” The Rhodeses’
Brief at 42.
The premise of the Rhodeses’ claim – that the trial court
misunderstood the scope of their bad faith claim – is based upon language
contained in the trial court’s opinion. Specifically, the Rhodeses base their
argument upon the fact that, when the trial court defined the Rhodeses’
claim in its opinion, the trial court quoted from this Court’s definition of a
bad faith claim, declaring that the Rhodeses “must [first] show the insurer
lacked a reasonable basis for denying benefits (in this case, by not paying
[the Rhodeses’] settlement demand sooner).” Trial Court Opinion, 7/19/13,
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at 3; the Rhodeses’ Brief at 42. According to the Rhodeses, by defining their
claim in such a manner, the trial court failed to consider certain evidence
offered in support of their bad faith claim. The Rhodeses’ Brief at 42.
The Rhodeses’ claim is meritless. Certainly, the trial court’s definition
of the Rhodeses’ bad faith claim – declaring that the Rhodeses “must [first]
show the insurer lacked a reasonable basis for denying benefits (in this case,
by not paying [the Rhodeses’] settlement demand sooner)” – is, essentially,
a word-for-word, dictionary definition of the first-prong of a bad faith claim
in Pennsylvania. See Grossi, 79 A.3d at 1148-1149 (“to succeed on a claim
under section 8371, the insured must show that the insurer did not have a
reasonable basis for denying benefits under the policy and that the
insurer knew of or recklessly disregarded its lack of reasonable basis in
denying the claim”) (emphasis added) (internal quotations and citations
omitted). Thus, and far from demonstrating that the trial court
misunderstood the scope of the Rhodeses’ bad faith claim, the trial court’s
accurate definition of the law demonstrates that it thoroughly understood
and appreciated the claim that the Rhodeses were asserting.
Further, the trial court’s definition of the Rhodeses’ bad faith claim –
as being that the Rhodeses must first show that the “insurer lacked a
reasonable basis for denying benefits (in this case, by not paying [the
Rhodeses’] settlement demand sooner)” – necessarily encompasses the
various subparts to the Rhodeses’ bad faith claim that, the Rhodeses assert,
the trial court “failed to consider.” Stated another way, since “bad faith” is
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defined as an unreasonable denial or delay of benefits under a policy, the
definition of bad faith necessarily includes claims regarding: USAA’s
“inadequate investigation” into their claim; USAA’s “lowball offers” to the
Rhodeses’; USAA’s “repeated rejection of its attorney’s advice on valuation;”
USAA’s “failure to review the medical and other documentation relied upon
by its attorney to support his recommendations;” USAA’s “factual errors
[that it] entered into the Colossus valuation program;” USAA’s “abuse of the
IME process;” and, USAA’s “unlawful release agreements.” The Rhodeses’
Brief at 42. To be sure, all of the above subparts concern either the
“reasonableness” of USAA’s actions or USAA’s delay in failing to pay the
Rhodeses’ claim earlier. Therefore, the trial court’s definition of the
Rhodeses’ claim encompassed all of the above-mentioned subparts to the
Rhodeses’ claim.
Finally, nothing in the trial court’s opinion suggests that the trial court
was unaware of the full extent of the Rhodeses’ bad faith claim or that it
improperly overlooked the evidence offered in support of their claim.2
Clearly, the trial court’s July 19, 2013 opinion – which we have quoted at
length above – demonstrates that its verdict was based upon the entirety of
USAA’s conduct vis à vis the Rhodeses.
____________________________________________
2
To the extent the Rhodeses attempt to disguise a weight of the evidence
claim as one sounding in pure legal error, the claim fails because the entire
premise of the claim – that the trial court “misapprehended” the Rhodeses’
claim – fails.
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The Rhodeses’ first claim on appeal is based entirely upon the faulty
premise that the trial court misunderstood the scope of their bad faith claim.
Nothing in the trial court’s discussion or analysis of the claims advanced by
the Rhodeses suggests that this is the case. Therefore, since the Rhodeses’
claim is based upon a faulty premise, the claim necessarily, and logically,
fails.
Second, the Rhodeses claim that the trial court erroneously failed to
“follow[] the law of the case established in the two prior opinions of [the
Superior] Court regarding the focus of a bad faith claim, the scope of the
insurer’s conduct to be reviewed, and the evidence to be considered.” The
Rhodeses’ Brief at 58. This claim fails.
Our Supreme Court has explained:
the “law of the case” doctrine . . . refers to a family of rules
which embody the concept that a court involved in the later
phases of a litigated matter should not reopen questions
decided by another judge of that same court or by a higher
court in the earlier phases of the matter. Among the
related but distinct rules which make up the law of the case
doctrine are that: (1) upon remand for further proceedings,
a trial court may not alter the resolution of a legal question
previously decided by the appellate court in the matter; (2)
upon a second appeal, an appellate court may not alter the
resolution of a legal question previously decided by the
same appellate court; and (3) upon transfer of a matter
between trial judges of coordinate jurisdiction, the
transferee trial court may not alter the resolution of a legal
question previously decided by the transferor trial court.
Commonwealth v. Starr, 664 A.2d 1326, 1331 (Pa. 1995) (internal
citations omitted).
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As was summarized above, this case has been before us on two prior
occasions. On the first occasion, we vacated the portion of the trial court’s
order granting USAA’s motion for summary judgment and affirmed the
portion of the trial court’s order denying the Rhodeses’ motion for summary
judgment. Rhodes I, 951 A.2d at 1225. On the second occasion, we
vacated the trial court’s discovery order, which had allowed for discovery of
Attorney Serbin’s work product. Rhodes II, 21 A.3d at 1257.
On appeal, the Rhodeses do not claim that the trial court mistakenly
believed that Attorney Serbin’s work product was somehow still discoverable
or that its prior order, granting USAA’s motion for summary judgment, was
somehow still valid. Instead, within the argument section of the Rhodeses’
brief, the Rhodeses assert a diverse collection of sub-claims, including that
the trial court’s opinion “fails to discuss” various evidence and claims that
they put before the trial court, that the trial court erred in some of its pre-
trial rulings (which were unrelated to the discovery of Attorney Serbin’s work
product), and that the trial court’s verdict was against the weight of the
evidence. The Rhodeses’ Brief at 58-71. We fail to see how such claims
relate to the “law of the case” that was established in the prior
memorandum and opinion from this Court. At any rate, none of the
Rhodeses’ claims demonstrate that the trial court attempted to “alter the
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resolution of a legal question previously decided by” this Court. 3 Starr, 664
A.2d at 1331. The Rhodeses’ second claim on appeal thus fails.4
The Rhodeses’ final three claims on appeal all concern the trial court’s
evidentiary rulings.
We have explained:
____________________________________________
3
With respect to the Rhodeses’ second claim on appeal, most of the
subparts are based upon the contention that the trial court’s opinion “failed
to discuss” a particular claim or piece of evidence that the Rhodeses had put
before the trial court. According to the Rhodeses, the trial court’s “failure to
discuss” the reason it rejected certain claims or found certain evidence
unpersuasive meant that the trial court simply did not understand the scope
of their bad faith claim or the prior “law of the case.” See the Rhodeses’
Brief at 58-71.
The Rhodeses’ argument is legally unfounded. First, Pennsylvania Rule of
Appellate Procedure 1925(a) merely requires that the trial court “file of
record at least a brief opinion of the reasons for the order, or for the
rulings or other errors complained of, or shall specify in writing the place in
the record where such reasons may be found.” Pa.R.A.P. 1925(a)(1). In
the case at bar, the trial court’s detailed 13-page opinion in support of its
verdict and its subsequent Rule 1925(a) opinion undoubtedly satisfy Rule
1925(a). Second, it is not surprising that the trial court’s opinions might
have failed to discuss certain facets of the Rhodeses’ bad faith claim or
certain evidence that the Rhodeses introduced at trial, given that the
Rhodeses filed a 29-page post-trial motion and a Rule 1925(b) statement
that contained seven claims with multiple subparts. See the Rhodeses’
Post-Trial Motion, 7/25/13, at 1-29; the Rhodeses’ Rule 1925(b) Statement,
10/11/13, at 1-3.
4
If the Rhodeses wished to claim that the trial court erred in one of its pre-
trial rulings or that the verdict was against the weight of the evidence, the
Rhodeses should have asserted such a claim independently. We merely hold
that the rulings and the verdict do not offend the “law of the case,” as the
challenged rulings and verdict neither revived the overturned grant of
summary judgment to USAA nor held that Attorney Serbin’s work product
was somehow still discoverable.
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Admission of evidence is within the sound discretion of the
trial court and a trial court’s rulings on the admission of
evidence will not be overturned absent an abuse of
discretion or misapplication of law. An abuse of discretion is
not merely an error of judgment, but if in reaching a
conclusion the law is overridden or misapplied, or the
judgment exercised is manifestly unreasonable, or the
result of partiality, prejudice, bias or ill-will, as shown by
the evidence or the record, discretion is abused.
To constitute reversible error, an evidentiary ruling must
not only be erroneous, but also harmful or prejudicial to the
complaining party. . . . A party suffers prejudice when the
trial court's error could have affected the verdict.
Schuenemann v. Dreemz, LLC, 34 A.3d 94, 100-101 (Pa. Super. 2011)
(internal quotations and citations omitted); see also B & L Asphalt Indus.
v. Fusco, 753 A.2d 264, 270-271 (Pa. Super. 2000) (“[a]n evidentiary
ruling which [does] not affect the verdict will not provide a basis for
disturbing the fact-finder’s judgment”) (internal quotations, citations, and
corrections omitted).
The Rhodeses’ third numbered claim on appeal contends that the trial
court erred in “quashing the insureds’ timely served Rule 234.3 Notices to
Attend and Produce [D]ocuments, directed to the insurer’s management
employees involved with the claim, and thereafter abused its discretion by
refusing to apply the missing witness rule when the identified employees did
not attend.” The Rhodeses’ Brief at 4. Specifically, within their brief, the
Rhodeses claim that the trial court erred when it quashed the notice for
USAA employee, John Timothy Hanley, to produce “the original claims file”
at trial and that the trial court erred when it refused to apply the “missing
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witness rule” to John Timothy Hanley and Katherine Ortiz.5 Id. at 71-74.
These claims fail.
On November 7, 2011, Attorney Serbin served notices to attend and to
produce documents on USAA’s attorney, directing that the following
individuals appear for the December 5, 2011 trial: Blanca Alma Trevino,
Linda Reyna Barboza, Katherine Ortiz, “USAA CIC’s Corporate Designee
(familiar with USAA’s underinsured practices)”, John Timothy Hanley, and
“USAA CIC’s Corporate Designee (familiar with [USAA’s] fiscal matters).”
The notices further declared that Mr. Hanley was to bring with him to the
trial “[t]he original unredacted claims log records and all related files dealing
in any[] way with the underinsured motorist claims of [the Rhodeses,]
including exact copies of all computer system entries and hard document
file[s] in the possession or control of [USAA].” See the Rhodeses’ Affidavit
of Service of Notices to Attend, 11/14/11, at 1; Notice to Attend to John
Timothy Hanley, 11/7/11, at 1.
____________________________________________
5
With respect to the Rhodeses’ third numbered claim on appeal, their
Pa.R.A.P. 2116(a) “statement of question involved” is phrased far more
broadly than the actual claim that is contained in the argument section of
their brief. See the Rhodeses’ Brief at 4; the Rhodeses’ Brief at 71-74. To
the extent that the Rule 2116(a) statement suggests issues that have not
been developed in the argument section of the brief, those undeveloped
issues are waived. Harkins v. Calumet Realty Co., 614 A.2d 699, 703
(Pa. Super. 1992) (“[i]ssues in the statement of questions presented and not
developed in argument are [] deemed waived”).
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The notices to attend and to produce documents were filed pursuant to
Pennsylvania Rule of Civil Procedure 234.3(a), which provides:
Rule 234.3. Notice to Attend. Notice to Produce
(a) A party may compel the attendance of another party or
an officer or managing agent thereof for trial or hearing by
serving upon that party a notice to attend substantially in
the form prescribed by Rule 234.7. The notice shall be
served reasonably in advance of the date upon which
attendance is required. The notice may also require the
party to produce documents or things.
Pa.R.C.P. 234.3(a).
On November 22, 2011, USAA filed a motion to quash the notices to
attend, pursuant to Pennsylvania Rule of Civil Procedure 234.4. In relevant
part, Rule 234.4 provides:
Rule 234.4. Subpoena. Notice to Attend. Notice to Produce.
Relief From Compliance. Motion to Quash.
...
(b) A motion to quash a subpoena, notice to attend or
notice to produce may be filed by a party, by the person
served or by any other person with sufficient interest. After
hearing, the court may make an order to protect a party,
witness or other person from unreasonable annoyance,
embarrassment, oppression, burden or expense.
Pa.R.C.P. 234.4(b).
Within USAA’s motion to quash, USAA noted that Ms. Trevino would
attend the trial in Blair County, Pennsylvania. However, USAA argued that
Ms. Ortiz, Mr. Hanley, and Ms. Barboza, were all Texas residents, over whom
the trial court did not have jurisdiction and that Ms. Barboza was no longer
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employed by USAA. USAA’s Motion to Quash, 11/22/11, at 1-3. Therefore,
USAA requested that the trial court quash the notices to attend. Further,
USAA contended that the Rhodeses’ notice for Mr. Hanley to produce the
documents failed because USAA had already provided the files during
discovery and had “already given [the Rhodeses’] counsel the unredacted
claim notes.” Id. at 3; see also USAA’s Response to the Rhodeses’ Request
for Production of Documents and Things under Rule 4009.11, 1/13/05, at 1
(“[USAA] has provided a copy of its relevant claim file that was maintained
from the inception of the claim through the time of the settlement. A
complete copy of the relevant file maintained by Attorney Kormanski has
also been provided”).
By order dated December 2, 2011, the trial court granted USAA’s
motion to quash the notices to attend and to produce documents, but the
trial court ordered that USAA must have a corporate designee representative
at trial. Trial Court Order, 12/5/11, at 1.
The case proceeded to trial, during which time: the trial court
admitted the deposition testimony of Ms. Ortiz, Mr. Hanley, and Ms.
Barboza; Ms. Trevino testified in person; Attorney Kormanski testified in
person; USAA presented corporate designee Gary Stephen Duke for
examination and Mr. Duke testified at trial; and, the Rhodeses introduced
documentary evidence from USAA’s and Attorney Kormanski’s case files,
regarding the handling of the Rhodeses’ UIM claim.
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Now on appeal, the Rhodeses claim that the trial court erred in
quashing their notice to produce “the original claims file.” 6 According to the
Rhodeses, “[h]ad the original claims file been produced, [the Rhodeses]
would have been able to conclusively establish what medical records,
doctors’ reports, disfigurement photos[,] and economic loss information
were in [USAA’s] claims files, as differentiated from [Attorney] Kormanski’s
file, on each occasion [USAA] rejected [Attorney Kormanski’s] advice on
valuation.” The Rhodeses’ Brief at 73.
The Rhodeses are not entitled to relief on their claim, as they were not
prejudiced by the trial court’s action. Certainly, the Rhodeses do not claim
that USAA failed to produce copies of the UIM case file during discovery or
that USAA failed to comply with the trial court’s discovery orders. Further,
the Rhodeses do not contradict USAA’s earlier averments that USAA had
“already given [the Rhodeses’] counsel the unredacted claim notes” or that
“[USAA] has provided a copy of its relevant claim file that was maintained
from the inception of the claim through the time of the settlement. A
complete copy of the relevant file maintained by Attorney Kormanski has
also been provided.” USAA’s Response to the Rhodeses’ Request for
____________________________________________
6
With respect to the trial court’s order quashing the notices to attend and to
produce documents, the Rhodeses argue only that they were prejudiced by
the quashal of their notice to produce “the original claims file.” The
Rhodeses’ Brief at 73. Therefore, the Rhodeses have preserved only this
particular claim on appeal.
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Production of Documents and Things under Rule 4009.11, 1/13/05, at 1.
Rather, the Rhodeses merely argue that they were entitled to “the original
claims file” so that they could “conclusively establish” what documents USAA
had in its possession at certain times, particularly those occasions on which
it received advice from Attorney Kormanski. The Rhodeses’ Brief at 73.
We conclude that the Rhodeses’ were not prejudiced by the trial
court’s quashal of their notice to produce “the original claims file,” as the
record demonstrates that the Rhodeses already had a copy of USAA’s claims
file – and, from this copy, the Rhodeses were able to establish what
documents USAA had in its possession and at what times. See also N.T.
Trial, 12/5/11 (morning) at 18-89; N.T. Trial, 12/5/11 (afternoon) at 2-126;
N.T. Trial, 12/6/11, at 1-197 (Ms. Trevino testifies as to “what medical
records, doctors’ reports, disfigurement photos[,] and economic loss
information were in [USAA’s] claims files, as differentiated from [Attorney]
Kormanski’s file, on each occasion [USAA] rejected [Attorney Kormanski’s]
advice on valuation”). The Rhodeses’ claim to the contrary fails.
With respect to the second and third sub-parts to the Rhodeses’ claim,
the Rhodeses argue that the trial court erred in failing to apply the “missing
witness rule” to Mr. Hanley and Ms. Ortiz. The claims are waived.
We have held:
Generally, when a potential witness is available to only
one of the parties to a trial, and it appears this witness has
special information material to the issue, and this
person's testimony would not be merely cumulative, then
if such party does not produce the testimony of this
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witness, the [fact-finder] may draw an inference it would
have been unfavorable.
Kovach v. Solomon, 732 A.2d 1, 8-9 (Pa. Super. 1999) (emphasis in
original), quoting Commonwealth v. Moore, 309 A.2d 569, 570 (Pa.
1973).
The Rhodeses have failed to develop their missing witness claim on
appeal. Within their brief, the Rhodeses have provided this Court with
absolutely no argument as to what “special information” Mr. Hanley or Ms.
Ortiz might have possessed and the Rhodeses do not claim that either Mr.
Hanley’s or Ms. Ortiz’s testimony would have been non-cumulative. See the
Rhodeses’ Brief at 73-74. As such, the Rhodeses’ claim on appeal is waived.
Commonwealth v. Padilla, 80 A.3d 1238, 1255 n.16 (Pa. 2013) (“an
undeveloped claim is waived”).
The Rhodeses’ fourth numbered claim on appeal asserts that the trial
court erred in precluding the deposition testimony of Fred P. Brookes. This
claim is meritless.
During the time period that USAA was handling the Rhodeses’ UIM
claim, Mr. Brookes was one of USAA’s litigation claims advisors. N.T.
Deposition of Fred P. Brookes, 9/28/09, at 10. However, Mr. Brookes retired
from USAA in January 2004 (which was over five years prior to his
September 2009 deposition) and Mr. Brookes, unfortunately, passed away in
December 2009 (which was two years prior to trial in this case).
During Mr. Brookes’ deposition, he testified to (what he remembered
of) his job responsibilities and the job responsibilities of USAA’s claims
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handlers. Id. at 6-68. Regarding the handling of the Rhodeses’ UIM claim,
Mr. Brookes specifically testified that he could not remember any part of the
Rhodeses’ claim, his role in handling the claim, or Ms. Barboza’s and Ms.
Trevino’s role in handling the claim. See, e.g., id. at 112 (Mr. Brookes
testified: “I don’t remember anything about this case”); N.T. Deposition of
Fred P. Brookes, 9/29/09, at 103 (“Q: Have any of the documents that
[Attorney] Serbin show[ed] you in this case refreshed your recollection of
the claim at all?; A: No. Other than to say, I see what I read there. Okay.
I still don’t have no recollection of it”). Finally, Mr. Brookes read aloud the
entries in USAA’s case file for the Rhodeses’ UIM claim.
Prior to trial, USAA moved to preclude Mr. Brookes’ deposition
testimony at trial because Mr. Brookes had no personal knowledge of the
Rhodeses’ UIM claim and his memory was never refreshed during the
deposition. The trial court granted USAA’s motion and precluded Mr.
Brookes’ deposition testimony at trial. Trial Court Order, 11/4/11, at 1.
Nevertheless, during trial, the Rhodeses introduced the very same records
that Mr. Brookes read aloud during the deposition, and the Rhodeses
presented the testimony of Ms. Trevino to read and explain the notations
contained in USAA’s case file. See N.T. Trial, 12/5/11 (morning) at 18-89;
N.T. Trial, 12/5/11 (afternoon) at 2-126; N.T. Trial, 12/6/11, at 1-197.
The Rhodeses make no credible claim that they suffered prejudice as a
result of the trial court’s exclusion of Mr. Brookes’ deposition testimony.
Certainly, Mr. Brookes testified that he had no recollection, whatsoever, of
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the way in which USAA handled the Rhodeses’ UIM claim and, during trial,
the Rhodeses introduced the same records that Mr. Brookes read aloud
during the deposition.7 The Rhodeses’ fourth claim on appeal fails.
____________________________________________
7
Within the Rhodeses’ brief, they claim that they were prejudiced by the
exclusion of Mr. Brookes’ deposition testimony because he “confirmed” that
“an adequate investigation would routinely include requesting medical and
employment authorizations . . . [, that i]t would be routine to secure a
statement from the insured . . . [, and that] fairness would require that a
doctor form an opinion after he’s reviewed the medical records and
performed the medical exam.” The Rhodeses’ Brief at 79. At the outset, Mr.
Brookes did not “confirm” that an adequate investigation would require
USAA to request medical and employment authorizations or secure a
statement from the insured. Rather, Mr. Brookes testified that, where a
claimant is represented by counsel (as the Rhodeses were in this case), it is
counsel’s responsibility to provide USAA with the necessary documents.
Mr. Brookes testified:
If we need wage loss authorization or medical authorization
and the claimant is represented, then it is incumbent upon
you to provide us with documentation that we need to
properly evaluate your client’s case. Now, if you don’t do
that, what can we do?
N.T. Deposition of Fred P. Brookes, 9/28/09, at 34.
Further, a fact-finder does not need the testimony of Mr. Brookes to
determine that “fairness would require that a doctor form an opinion after
he’s reviewed the medical records and performed the medical exam.” The
Rhodeses’ Brief at 79.
The Rhodeses also claim that Mr. Brookes’ deposition testimony was
important “to the issue of credibility” because “USAA represented . . . that
[Mr.] Brookes was not [Ms.] Trevino’s supervisor [and Ms.] Trevino testified
[Mr.] Brookes had no authority to settle claims, and was limited to making
recommendations.” The Rhodeses’ Brief at 79 (internal citations omitted).
However, Mr. Brookes himself testified that he was not Ms. Trevino’s
supervisor and that he was “limited to making recommendations.” N.T.
Deposition of Fred P. Brookes, 9/28/09, at 26 (Mr. Brookes testified that he
(Footnote Continued Next Page)
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Finally, the Rhodeses claim that the trial court erred when it admitted
all of USAA’s exhibits. This claim is waived, as the Rhodeses failed to specify
at trial which of USAA’s 160-plus exhibits were improperly admitted. See
N.T. Trial, 12/9/11 (afternoon), at 69 (the Rhodeses’ attorney declares:
“Well, Your Honor, I have to object to the admission of the entire defense
notebook”); Pa.R.E. 103(a)(1) (“[a] party may claim error in a ruling to
admit . . . evidence only [if the party] . . . (A) makes a timely objection . . .;
and (B) states the specific ground, unless it was apparent from the
context”); see also Commonwealth v. Manley, 985 A.2d 256, 262 (Pa.
Super. 2009) (a claim that is too vague to permit appellate review is
waived).
Judgment affirmed. Jurisdiction relinquished.
Judgment Entered.
Joseph D. Seletyn, Esq.
Prothonotary
Date: 12/16/2014
_______________________
(Footnote Continued)
was not Ms. Trevino’s manager); N.T. Deposition of Fred P. Brookes,
9/28/09, at 21 (Mr. Brookes testified: “[t]he position I was in, I gave my
advice. If they followed it, fine. If they don’t, fine. I gave my advice.
That’s the best I can do.”). Therefore, we fail to see how Mr. Brookes’
deposition testimony could have cast doubt on either USAA’s or Ms.
Trevino’s representations: Mr. Brookes’ deposition testimony confirmed
the representations.
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