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Michelle Mueller v. Property and Casualty Insurance Company of Hartford

May 7, 2013

MICHELLE MUELLER, PLAINTIFF,
v.
PROPERTY AND CASUALTY INSURANCE COMPANY OF HARTFORD, A FOREIGN CORPORATION; DOES 1 THROUGH 10; ROE ENTITIES 11 THROUGH 20, INCLUSIVE JOINTLY AND SEVERALLY, DEFENDANTS.



The opinion of the court was delivered by: Gloria M. Navarro United States District Judge

ORDER

Pending before the Court is the Motion to Dismiss Claims 3-4 of Plaintiff's Complaint (ECF No. 5) filed by Defendant Property and Casualty Insurance Company of Hartford ("Defendant"). Plaintiff Michelle Mueller ("Plaintiff") filed a Response (ECF No. 9) and Defendant filed a Reply (ECF No. 11). Also before the Court is Defendant's Motion to Stay Discovery While Defendant's Motion to Dismiss Claims 3-4 of Plaintiff's Complaint [ECF No. is Pending. (ECF No. 13.)

BACKGROUND

This case arises from Defendant's alleged refusal to pay benefits under an Uninsured Motorist Insurance Policy ("UIM" Policy) held by Plaintiff. Specifically, Plaintiff's Complaint states that Plaintiff suffered extensive injuries as a result of two car accidents, one in 2009 and in 2010. (Compl. ¶¶ 5-9, 17, ECF No. 1-4.) At some point after these accidents, the insurance carriers for the drivers at fault in the accidents paid the respective insurance policy limits to Plaintiff. (Id. ¶¶ 15-16.) Thereafter, Plaintiff submitted a claim with Defendant for payment of her remaining medical expenses related to each of the accidents, up to the policy limit under her UIM Policy. (Id. ¶¶ 18-19.) However, Plaintiff alleges that "Defendant refused to make adequate payment to Plaintiff" with regard to each of the accidents. (Id. ¶¶ 20-21.)

In response to Defendant's failure to pay the requested benefits, Plaintiff filed the instant action in Nevada state court on July 31, 2012. (See Compl., ECF No. 1-4.) In her Complaint, Plaintiff alleges four causes of action: (1) breach of contract; (2) breach of the implied covenant of good faith and fair dealing; (3) unjust enrichment; and (4) violations of the Nevada Unfair ims Practices Act under section 686A.310 of the Nevada Revised Statutes. (Id. ¶¶ 32-61.) Subsequently, on September 7, 2012, Defendant removed the action to this Court. (Pet. For Removal, ECF No. 1.) Thereafter, Defendant filed the instant motion requesting that the Court dismiss Plaintiff's third cause of action for unjust enrichment and her fourth cause of action for violations of the Nevada Unfair Claims Practices Act. (ECF No. 5.)

LEGAL STANDARD

Federal Rule of Civil Procedure 12(b)(6) mandates that a court dismiss a cause of action that fails to state a claim upon which relief can be granted. See North Star Int'l v. Ariz. Corp. , 720 F.2d 578, 581 (9th Cir. 1983). When considering a motion to dismiss under Rule 12(b)(6) for failure to state a claim, dismissal is appropriate only when the complaint does not give the defendant fair notice of a legally cognizable claim and the grounds on which it rests. See Bell Atl. Corp. v. Twombly, 550 U.S. 544, 555 (2007). In considering whether the complaint is sufficient to state a claim, the Court will take all material allegations as true and construe them in the light most favorable to the plaintiff. See NL Indus., Inc. v. Kaplan, 792 F.2d 896, 898 (9th Cir. 1986).

The Court, however, is not required to accept as true allegations that are merely conclusory, unwarranted deductions of fact, or unreasonable inferences. See Sprewell v. Golden State Warriors, 266 F.3d 979, 988 (9th Cir. 2001). A formulaic recitation of a cause of action with conclusory allegations is not sufficient; a plaintiff must plead facts showing that a plausible, not just possible. Ashcroft v. Iqbal, 556 U.S. 662, 678 (2009) (citing ,550 U.S. at 555) (emphasis added).

A court may also dismiss a complaint pursuant to Federal Rule of Civil Procedure 41(b) for failure to comply with Federal Rule of Civil Procedure 8(a). Hearns v. San Bernardino ., 530 F.3d 1124, 1129 (9th Cir.2008). Rule 8(a)(2) requires that a plaintiff's contain only "a short and plain statement of the claim showing that the pleader is entitled to relief." Fed. R. Civ. P. 8(a)(2). "Prolix, confusing complaints" should be dismissed because "they impose unfair burdens on litigants and judges." McHenry v. Renne, 84 F.3d (9th Cir.1996).

DISCUSSION

In Plaintiff's opposition to Defendant's motion, she expressly stipulates to the dismissal of her third cause of action for unjust enrichment. (ECF No. 9.) Accordingly, in this Order, the Court addresses only Defendant's request that the Court dismiss Plaintiff's fourth cause of

A.Defendant's Motion to Dismiss Plaintiff's Fourth Cause of Action

Defendant argues that Plaintiff has failed to provide adequate factual allegations to support her cause of action under the Nevada Unfair Claims Practices Act. The Nevada Unfair Claims Practices Act, section 686A.310 of the Nevada Revises Statute, lists sixteen activities which constitute unfair practice in the insurance context. See Nev. Rev. Stat. § 686A.310(1)(a)-h Plaintiff has stated the specific prohibited activities in which Defendant allegedly engaged, (see Compl. ¶¶50-61), Defendant is correct that Plaintiff's Complaint fails to state sufficient facts to demonstrate that this claim is plausible, as required by Twombly and . See, e.g., GCI Nutrients (USA), Inc. v. Hartford Cas. Ins. Co., 2:11-cv-00639-JCMGWF, 2011 WL 2532401, at *2 (D. Nev. June 24, 2011) (concluding that the complaint survived a motion to dismiss because it provided specific allegations of the plaintiff's interactions with the defendant insurance provider that gave rise to the specific violations of section 686A.310); Sandoval v. Hartford Underwriters Ins. Co., 2:10-cv-01799-JCM-PAL, at *2, 2011 WL 586414 (D. Nev. Feb. 9, 2011) (same). Accordingly, Plaintiff's bare, formulaic recitations of the various subsections of section 686A.310 fail to persuade the Court that the Complaint states a plausible violation of the Nevada Unfair ...


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