United States District Court, D. Nevada
JAMES C. MAHAN, District Judge.
Presently before the court is a motion for partial judgment on the pleadings filed by defendant Hartford Fire Insurance Company ("Hartford"). (Doc. # 51). Plaintiff Stephen Joseph filed a response in opposition (doc. # 70), and Hartford filed a reply (doc. # 73).
Also before the court is plaintiff's countermotion for declaratory relief or in the alternative for partial judgment on the pleadings. (Doc. # 71). Hartford filed a response in opposition (doc. # 74), and plaintiff filed a reply (doc. # 78).
This case arises as the result of a car accident in which plaintiff alleges he was injured by another vehicle. (Doc. # 1-2). Plaintiff had multiple surgeries as a result of the accident. (Doc. # 1-2). Plaintiff settled with the driver of the other vehicle for the driver's policy limit of $100, 000. (Doc. # 1-2). However, plaintiff has allegedly incurred more than $250, 000 in medical costs relating to the accident. (Docs. # 51 at p. 2, 70 at p. 3).
Hartford insured plaintiff at the time of the accident under a personal auto policy. (Doc. # 51 at p. 2). Plaintiff also had a personal umbrella liability policy with Hartford. (Docs. # 51 at p. 2, 70 at p. 3).
Plaintiff filed suit against Hartford for: (1) breach of contract, (2) bad faith, and (3) violation of unfair trade practices act. (Doc. # 1-2). Hartford argues that plaintiff's claims regarding the umbrella liability policy must be dismissed. (Doc. # 51 at p. 2).
For purposes of these motions the parties agree that the umbrella policy stated "[Hartford] do[es] not provide:... (2) [u]ninsured [m]otorists [c]overage, [u]nderinsured [m]otorists [c]overage, or any similar coverage unless this policy is endorsed to provide such coverage." (Docs. # 51 at p. 3, 70 at p. 4). No policy endorsement existed that granted uninsured or underinsured motorist coverage. (Doc. # 51 at p. 3). Hartford did not obtain a signed disclosure statement from plaintiff acknowledging that the umbrella policy did not include uninsured and underinsured motorist coverage. (Doc. # 70 at p. 6).
II. Legal Standard
Motions for judgment on the pleadings pursuant to Fed.R.Civ.P. 12(c) are "functionally identical" to motions for failure to state a claim under Fed.R.Civ.P. 12(b)(6). Dworkin v. Hustler Magazine Inc., 867 F.2d 1188, 1192 (9th Cir. 1989). The primary difference between the two is that a "Rule 12(c) motion, unlike a Rule 12(b)(6) motion, implicates the pleadings as a whole, and not merely the complaint." Amerson v. County of Clark, 2011 WL 4433751, *1-2 (D. Nev. September 21, 2011) ( citing Aponte-Teorres v. Univ. of Puerto Rico, 445 F.3d 50, 54-55 (1st Cir. 2006)).
In reviewing a motion for judgment on the pleadings pursuant to Rule 12(c), the court "must accept all factual allegations in the complaint as true and construe them in the light most favorable to the non-moving party." Fleming v. Pickard, 581 F.3d 922, 925 (9th Cir. 2009). Judgment on the pleadings is appropriate when, taking everything in the pleadings as true, the moving party is entitled to judgment as a matter of law. Ventress v. Japan Airlines, 486 F.3d 1111, 1114 (9th Cir. 2007); Honey v. Distelrath, 195 F.3d 531, 532 (9th Cir. 1999). The allegations of the nonmoving party must be accepted as true while any allegations made by the moving party that have been denied or contradicted are assumed to be false. MacDonald v. Grace Church Seattle, 457 F.3d 1079, 1081 (9th Cir. 2006).
"Interpretation of a contract is a matter of law. Whether a contract is ambiguous is also a question of law." Beck Park Apartments v. U.S. Dep't of Hous. & Urban Dev., 695 F.2d 366, 369 (9th Cir. 1982) (internal citations omitted).
Hartford argues that plaintiff's claims regarding the umbrella policy must be dismissed because the umbrella policy unambiguously stated that uninsured and underinsured motorist protection were not included in the policy. (Doc. # 74 at p. 2). Plaintiff responds by arguing that while coverage may not have been included in the policy, Hartford's policy violated NRS 687B.440, which provides "[a]n insurer offering an umbrella policy to an individual shall obtain a signed disclosure statement from the individual indicating whether the umbrella policy includes uninsured or underinsured vehicle coverage." NRS 687B.440; (doc. # 70 at p. 10). Hartford provides two alternative responses to plaintiff's ...