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Redding v. Liberty Mutual Fire Insurance Co.

United States District Court, D. Maryland

April 18, 2014



DEBORAH K. CHASANOW, District Judge.

Presently pending and ready for review in this insurance case are the motions to dismiss filed by Defendant Liberty Mutual Fire Insurance Company and Defendant David H. Long. (ECF Nos. 9 and 11). The issues have been fully briefed, and the court now rules, no hearing being deemed necessary. Local Rule 105.6. For the following reasons, Defendants' motions will be granted.

I. Background

The following facts are set forth in the complaint. Plaintiff, proceeding pro se, alleges that on September 20, 2010 he was involved in a car accident on Suitland Parkway in Maryland. His vehicle was deliberately hit by a car that was earlier parked in the vicinity of his home. After his car was struck, Plaintiff exited his vehicle and approached the other car. The car was being driven by a female who was accompanied by a male. Plaintiff states that "[t]he aggressive driving and militaristic body language suggested that the driver and passenger may have been District of Columbia plain-clothed Police Officers." (ECF No. 2, at 2). The female driver unexpectedly drove away while Plaintiff was documenting the vehicle's license number. After receiving medical care, Plaintiff reported the collision to U.S. Park Police, and was informed that the other car's license plate had been reported as stolen. As a result of this incident, Plaintiff suffered severe, painful, and permanent injuries to his body which have caused him and will continue to cause him great pain and mental anguish. As a result of this collision, "Plaintiff was forced to expend and will continue to expend in the future large sums of money for medical treatment and medicines in the treatment of his injuries as a direct result of Defendants' failure to honor Plaintiff's full coverage auto insurance policy." ( Id. at 2-3). The collision physically weakened Plaintiff, which inhibited his ability to mitigate a home invasion in which Plaintiff was stabbed on February 6, 2012. It is unclear whether Plaintiff alleges that the home invasion was executed by the same people who deliberately hit his vehicle in September 2010.

Plaintiff filed his complaint in the Circuit Court for Prince George's County on September 19, 2013. His complaint does not list any causes of action, but demands a jury trial and an award of $1, 000, 000, divided equally between compensatory and punitive damages. (ECF No. 1, at 3). On November 21, 2013, Defendants removed to this court, citing diversity jurisdiction, 28 U.S.C. § 1332.[1] On November 25, 2013, Liberty Mutual filed a motion to dismiss. (ECF No. 9). The next day, Mr. Long filed his own motion to dismiss. (ECF No. 11). In accordance with Roseboro v. Garrison, 528 F.2d 309 (4th Cir. 1975), the clerk of court mailed two letters to Plaintiff on November 26, 2013, notifying him that a dispositive motion had been filed and that he was entitled to file opposition material or risk entry of judgment against him. (ECF Nos. 10 and 13). Plaintiff filed a single opposition to both motions on December 12, 2013 (ECF No. 14), to which Defendants separately replied on December 20, 2013 (ECF Nos. 15 and 16).

II. Standard of Review

When a court's power to exercise personal jurisdiction is challenged by a motion under Rule 12(b)(2), "the jurisdictional question is to be resolved by the judge, with the burden on the plaintiff ultimately to prove grounds for jurisdiction by a preponderance of the evidence." Carefirst of Md., Inc. v. Carefirst Pregnancy Ctrs., Inc., 334 F.3d 390, 396 (4th Cir. 2003) (citation omitted). If jurisdiction turns on disputed facts, the court may resolve the challenge after a separate evidentiary hearing, or may defer ruling pending receipt at trial of evidence relevant to the jurisdictional question. Combs v. Bakker, 886 F.2d 673, 676 (4th Cir. 1989). If the court chooses to rule without conducting an evidentiary hearing, relying solely on the basis of the complaint, affidavits, and discovery materials, "the plaintiff need only make a prima facie showing of personal jurisdiction." Carefirst, 334 F.3d at 396. In determining whether the plaintiff has met its burden, all jurisdictional allegations must be construed in the light most favorable to the plaintiff, and the most favorable inferences must be drawn for the existence of jurisdiction. New Wellington Fin. Corp. v. Flagship Resort Dev. Corp., 416 F.3d 290, 294 (4th Cir. 2005) (internal quotation marks omitted).

The purpose of a motion to dismiss under Rule 12(b)(6) is to test the sufficiency of the complaint. Presley v. City of Charlottesville, 464 F.3d 480, 483 (4th Cir. 2006). A plaintiff's complaint need only satisfy the standard of Rule 8(a), which requires a "short and plain statement of the claim showing that the pleader is entitled to relief." Fed.R.Civ.P. 8(a)(2). "Rule 8(a)(2) still requires a showing, ' rather than a blanket assertion, of entitlement to relief." Bell Atl. Corp. v. Twombly, 550 U.S. 544, 555 n.3 (2007). That showing must consist of more than "a formulaic recitation of the elements of a cause of action" or "naked assertion[s] devoid of further factual enhancement." Ashcroft v. Iqbal, 556 U.S. 662, 678 (2009) (internal citations omitted).

At this stage, all well-pleaded allegations in a complaint must be considered as true, Albright v. Oliver, 510 U.S. 266, 268 (1994), and all factual allegations must be construed in the light most favorable to the plaintiff. See Harrison v. Westinghouse Savannah River Co., 176 F.3d 776, 783 (4th Cir. 1999) ( citing Mylan Labs., Inc. v. Matkari, 7 F.3d 1130, 1134 (4th Cir. 1993)). In evaluating the complaint, unsupported legal allegations need not be accepted. Revene v. Charles Cnty. Comm'rs, 882 F.2d 870, 873 (4th Cir. 1989). Legal conclusions couched as factual allegations are insufficient, Iqbal, 556 U.S. at 678, as are conclusory factual allegations devoid of any reference to actual events, United Black Firefighters v. Hirst, 604 F.2d 844, 847 (4th Cir. 1979).

Finally, while courts generally should hold pro se pleadings "to less stringent standards than formal pleadings drafted by lawyers, " they may nevertheless dismiss complaints that lack a cognizable legal theory or that fail to allege sufficient facts under a cognizable legal theory. Haines v. Kerner, 404 U.S. 519, 520 (1972); Turner v. Kight, 192 F.Supp.2d 391, 398 (D.Md. 2002), aff'd, 121 F.Appx. 9 (4th Cir. 2005).

III. Analysis

Both Defendants argue that Plaintiff has failed to state a claim, while Defendant Long also argues that this court does not have personal jurisdiction over him. "[A] federal court generally may not rule on the merits of a case without first determining that it has jurisdiction over the category of claim in suit (subject-matter jurisdiction) and the parties (personal jurisdiction)." Sinochem Intern. Co. Ltd. v. Malaysia Intern. Shipping Corp., 549 U.S. 422, 430-31 (2007).

"The nature of the claim and the defendant's contacts with the forum state determine whether a court may assert specific or general personal jurisdiction." Johansson Corp. v. Bowness Constr. Co., 304 F.Supp.2d 701, 703 (D.Md. 2004). Specific personal jurisdiction applies where a controversy is "related to or arises out of' a defendant's contacts with the forum." Helicopteros Nacionales de Colombia, S.A. v. Hall, 466 U.S. 408, 414 (1984) ( quoting Shaffer v. Heitner, 433 U.S. 186, 204 (1977)). General jurisdiction, by contrast, may be exercised where a defendant maintains "continuous and systematic" contact with the forum state. Helicopteros, 466 U.S. at 415 ( quoting Perkins v. Benguet Consol. Mining Co., 342 U.S. 437, 438 (1952)).

Mr. Long represents that he is a citizen of Massachusetts. Where a defendant is a nonresident, a federal district court may exercise personal jurisdiction only if "(1) an applicable state long-arm statute confers jurisdiction and (2) the assertion of that jurisdiction is consistent with constitutional due process." Nichols v. G.D. Searle & Co., 991 F.2d 1195, 1199 (4th Cir. 1993). The Maryland long-arm statute, Md. Code Ann., Cts. & Jud. Proc. § 6-103, authorizes the exercise of personal jurisdiction to the limits permitted by the Due Process Clause of the Fourteenth Amendment. See ALS Scan, Inc. v. Digital Serv. Consultants, Inc., 293 F.3d 707, 710 (4th Cir. 2002) ( citing Androutsos v. Fairfax Hosp., 323 Md. 634, 637 (1991)). This broad reach does not suggest that analysis under the longarm statute is irrelevant; rather, it reflects that, "to the extent that a defendant's activities are covered by the statutory language, the reach of the statute extends to the outermost boundaries of the due process clause." Dring v. Sullivan, 423 F.Supp.2d 540, 545 (D.Md. 2006) ( quoting Joseph M. Coleman & Assocs., Ltd. v. Colonial Metals, 887 F.Supp. 116, 118-19 n.2 (D.Md. 1995)); see also Mackey v. Compass Mktg., Inc., 391 Md. 117, 141 n.6 (2006) (although the "long-arm statute is coextensive with the limits of personal jurisdiction set by the due process clause, " it is not "permissible to simply dispense with analysis under the long-arm statute"). To satisfy ...

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