United States District Court, D. Nevada
LARRY R. HICKS, District Judge.
Before the court is plaintiff Linda Downs' ("Downs") objection to the Magistrate Judge's January 17, 2014 order denying her motion to compel documents from defendant Minnesota Life Insurance Company ("Minnesota Life") (Doc. #232). Doc. #237.
Also before the court is Downs' objection to the Magistrate Judge's March 12, 2014 order denying her motion to compel further discovery from defendant Wells Fargo Bank, N.A. ("Wells Fargo") (Doc. #243). Doc. #244.
I. Facts and Procedural History
In July, 2005, Downs and her husband Ronald Downs ("Ronald"), purchased real property through a mortgage note and deed of trust. In early December, 2009, Ronald purchased mortgage payment protection insurance advertised by Wells Fargo and underwritten by Minnesota Life.
On May 31, 2010, Ronald passed away. On June 10, 2010, Downs contacted both Wells Fargo and Minnesota Life, notified them of Ronald's passing, and requested payment of the twelve consecutive mortgage payments pursuant to the mortgage insurance policy.
On August 18, 2010, Minnesota Life approved Downs' claim for payment, and sent Wells Fargo a check for $9, 572.92 to cover past due mortgage payments from May 2010, through August 2010. Thereafter, Minnesota Life made payments in accord with the payment schedule as prescribed under the policy. However, prior to the disbursement of funds from Minnesota Life, defendant Wells Fargo initiated non-judicial foreclosure proceedings against the underlying property for failure to pay the mortgage payments since May 2010. Subsequently, Downs filed a breach of contract complaint against defendants. Doc. #1, Exhibit A.
During the discovery period, Downs filed motions to compel additional discovery from both Minnesota Life and Wells Fargo. See Doc. ##222, 223. Both motions were denied by the magistrate judge. See Doc. ##232, 243. Thereafter, Downs filed the present objections to the magistrate judge's orders. Doc. ##237, 244.
Local Rule IB 3-1 authorizes a district judge to reconsider any pretrial matter referred to a magistrate judge pursuant to LR IB 1-3 where it has been shown that the magistrate judge's order is clearly erroneous or contrary to law. In her objections, Downs first argues that the magistrate judge's January 17, 2014 order denying her motion to compel documents from Minnesota Life was clearly erroneous because Minnesota Life had not substantially complied with an early discovery order. See Doc. #237. Downs further argues that the magistrate judge's March 12, 2014 order denying her motion to compel further discovery from Wells Fargo was clearly erroneous because the underlying motion to compel was timely. See Doc. #244. The court shall address each objection below.
A. January 17, 2014 Order
On January 17, 2014, the magistrate judge entered an order denying Downs' motion to compel certain documents from Minnesota Life. See Doc. #232. Downs contends that the magistrate judge's order was clearly erroneous because it was based on false assurances by Minnesota Life that it had already complied with the prior order granting a similar motion to compel. See Doc. #237. Now, however, Downs argues in her objection that Minnesota Life has not complied with her discovery or the court's prior orders and, therefore, the magistrate judge's order is clearly erroneous.
The court has reviewed the documents and pleadings on file in this matter and finds that there are disputed issues underlying the magistrate judge's order that must be addressed by the magistrate judge before this court can properly evaluate and address the present objection. The court finds that it is necessary for the magistrate judge to determine whether Minnesota Life has actually complied with the prior discovery orders in this case, rather than simply taking Minnesota Life's assurances on face value. For example, Downs argues in her objection that Minnesota Life, although providing Downs with several power point presentations and statute booklets, failed to provide the specific power point presentation and training booklet identified by Eric Walton in his deposition and requested in the prior motion to compel granted by the magistrate judge. Further, Downs argues that Minnesota Life has failed to produce the Administration Manual specifically referenced by Kathryn Schmidt in her deposition, and in contrast, has only provided the separate Insurance and Marketing Administration Agreement. In denying the motion to compel, it appears that the magistrate judge conflated the two different documents when stating that Minnesota Life had substantially complied with all discovery requests. Thus, before the court can address the ...