268 Conn. 675 | Conn. | 2004
Opinion
The dispositive issue raised by this certified appeal is whether a judgment declaring that the defendant, State Farm Fire and Casualty Company (State Farm), had no duty to defend its insured against a claim brought by the plaintiff, David J. DaCruz, bars the plaintiff, under principles of collateral estoppel, from holding State Farm liable, pursuant to General Statutes § 38a-321,
The following undisputed facts and procedural history are relevant to our resolution of this appeal. On January 14,1994, the plaintiff was assaulted by a classmate, Michael Bullock, while attending Amity Regional Junior High School in Orange. The plaintiff subsequently commenced an action
At the time of the assault, Michael Bullock was residing with his father, Curtis Bullock, and Susan Bullock. Susan Bullock was not married to Curtis Bullock at the time of the assault but married him approximately five months later. Susan Bullock owned a homeowner’s
State Farm initially retained an attorney to represent Michael Bullock and Curtis Bullock in the DaCruz action. Thereafter, however, State Farm brought a separate action (State Farm action) seeking a judgment declaring that it had no duty either to defend or to indemnify Michael Bullock and Curtis Bullock in the DaCruz action. The defendants in the State Farm action included Michael Bullock, Curtis Bullock, Susan Bullock, the plaintiff and the plaintiffs parents, Herminio DaCruz and Maria DaCruz. The court in the State Farm action rendered a default judgment as to Michael Bullock and Curtis Bullock on the basis of their failure to appear.
State Farm filed a motion for summary judgment in the State Farm action. Upon concluding that there were
Judge Blue declined, however, to render judgment declaring that State Farm did not have a duty to indemnify Michael Bullock and Curtis Bullock for any damages for which they might become liable in the DaCruz action. Judge Blue concluded that it would be inappropriate to decide the indemnification issue in light of Hartford Accident & Indemnity Co. v. Williamson, 153 Conn. 345, 216 A.2d 635 (1966), in which we held that the trial court in that case properly had concluded, in the circumstances presented, that the claim of the plaintiff insurer that it owed no duty of indemnification to its insured properly was raised “in a defense to an
No party appealed from the judgment rendered in the State Farm action. In accordance with Judge Blue’s decision in the State Farm action, the attorney retained by State Farm to represent Michael Bullock and Curtis Bullock in the DaCruz action withdrew his appearance.
Thereafter, the plaintiff filed motions for default as to Michael Bullock, Curtis Bullock and Sheila Meadows in the DaCruz action.
The plaintiff then commenced the present action against State Farm under § 38a-321 seeking satisfaction of the judgment in the DaCruz action. State Farm claimed, by way of special defense, that the incident was not covered under Susan Bullock’s homeowner’s insurance policy because (1) it was not an “occurrence” as defined by the policy, and (2) the policy expressly excludes coverage for injury or damage that is expected or intended. State- Farm also raised a second special defense, contending that the plaintiffs claim was precluded by (1) the judgment rendered by Judge Blue declaring that State Farm had no duty to defend Michael Bullock and Curtis Bullock in the DaCruz action, and (2) Judge Blue’s determination that the conduct attributed to Michael Bullock in the complaint filed in the DaCruz action necessarily was intentional rather than negligent. The plaintiff and State Farm each filed a motion for summary judgment. The trial court, Levin, J., denied the plaintiffs motion for summary judgment and granted State Farm’s motion for summary judgment, essentially concluding that the incident was an intentional assault not covered by the policy.
The plaintiff appealed to the Appellate Court, which concluded that Judge Levin improperly had determined that State Farm had no duty to indemnify Michael Bullock.
We are persuaded that the plaintiffs action under § 38a-321 is barred, under principles of collateral estoppel, by virtue of Judge Blue’s determination that State
As we repeatedly have stated, the duty to defend is considerably broader than the duty to indemnify. E.g., Schilberg Integrated Metals Corp. v. Continental Casualty Co., 263 Conn. 245, 256, 819 A.2d 773 (2003); Board of Education v. St. Paul Fire & Marine Ins. Co., 261 Conn. 37, 40, 801 A.2d 752 (2002); Imperial Casualty & Indemnity Co. v. State, 246 Conn. 313, 324, 714 A.2d 1230 (1998). “[A]n insurer’s duty to defend, being much broader in scope and application than its duty to indemnify, is determined by reference to the allegations contained in the [underlying] complaint. . . . The obligation of the insurer to defend does not depend on whether the injured party will successfully maintain a cause of action against the insured but on whether he has, in his complaint, stated facts which bring the injury within the coverage. If the latter situation prevails, the policy requires the insurer to defend, irrespective of the insured’s ultimate liability. ... It necessarily follows that the insurer’s duty to defend is measured by the allegations of the complaint.” (Internal quotation
Thus, the duty to defend is triggered whenever a complaint alleges facts that potentially could fall within the scope of coverage, whereas the duty to indemnify arises only if the evidence adduced at trial establishes that the conduct actually was covered by the policy. Because the duty to defend is significantly broader than the duty to indemnify, “where there is no duty to defend, there is no duty to indemnify . . . .” QSP, Inc. v. Aetna Casualty & Surety Co., 256 Conn. 343, 382, 773 A.2d 906 (2001); see also EAD Metallurgical, Inc. v. Aetna Casualty & Surety Co., 905 F.2d 8, 11 (2d Cir. 1990) (no duty to defend necessarily means no duty to indemnify); Crum & Forster Managers Corp. v. Resolution Trust Corp., 156 Ill. 2d 384, 398, 620 N.E.2d 1073 (1993) (same). Consequently, Judge Blue’s determination that State Farm had no duty to defend Michael BuUock in the DaCruz action necessarily means that State Farm also had no duty to indemnify Michael Bullock in that action. As we have explained, that determination is binding on the plaintiff, under principles of cohateral
The plaintiff contends that State Farm may not invoke the doctrine of collateral estoppel against him in the present action because, under Hartford Accident & Indemnity Co. v. Williamson, supra, 153 Conn. 345, the issue of an insurer’s duty to indemnify must be litigated and decided in an action brought under § 38a-321. We do not read Williamson so broadly.
As we previously have explained, in Williamson, this court rejected a claim that the trial court improperly had declined to render a judgment, during the pendency of the underlying action against the insured, declaring that the insurer had no duty to indemnify the insured. Id., 349-50. In Williamson, however, the insurer had provided an attorney to represent the insured in the underlying action; id., 348; and the issue of the insurer’s duty to defend was not before this court on appeal. See id., 348-49. To the extent that the issue of an insurer’s duty to indemnify may be more appropriately addressed in an action brought under § 38a-321 rather than in an action for a declaratory judgment brought prior to the resolution of the underlying action against the insured, that “principle ... is only operative in cases [in which] . . . the insurer’s duty to defend its insured has arisen.” Crum & Forster Managers Corp. v. Resolution Trust Co., supra, 156 Ill. 2d 398. In cases such as Williamson, in which the insurer’s duty to defend has not been the subject of a successful challenge, there remains the possibility that the facts adduced in the underlying action will demonstrate that the insurer also has a duty to indemnify. In such circumstances, if the plaintiff in the underlying action obtains a judgment against the insured, the plaintiffs action against the insurer under § 38a-321 provides the insurer with an appropriate forum in which to raise the defense that it has no duty to indemnify. Because Williamson stands
More importantly, the plaintiffs claim is foreclosed by this court’s opinion in Jensen v. Nationwide Mutual Ins. Co., 158 Conn. 251, 259 A.2d 598 (1969). In Jensen, the insurer obtained a judgment declaring that it had no duty either to defend or to indemnify its insured in connection with a pending action brought against the insured by a third party who had sustained injuries in an automobile accident with the insured. Id., 253-54. Because that injured third party also was a party to the declaratory judgment action; id., 254; we gave preclusive effect to the judgment in that action when the injured third party sought to recover against the insurer in a direct action under what is now § 38a-321. Id., 258-59. In so doing, we expressly rejected the insured’s claim “that the trial court [in the declaratory judgment action] should have refused to entertain [that] action ... on the ground that the [insured] had a more appropriate remedy under [what is now § 38a-321] . . . .” Id., 260. Thus, not only is Williamson no impediment
The plaintiff also asserts, as he did in the Appellate Court; see DaCruz v. State Farm Fire & Casualty Co., supra, 69 Conn. App. 511; that State Farm is barred by principles of collateral estoppel from challenging Judge Curran’s finding, following the hearing in damages in the DaCruz action, that Michael Bullock’s conduct was intentional and negligent. As the Appellate Court correctly indicated, however, the plaintiff cannot invoke the doctrine of collateral estoppel against State Farm in the present action because State Farm was neither a party to the DaCruz action nor in privity with Michael Bullock.
Even if the plaintiff were not precluded by principles of collateral estoppel from recovering against State Farm under § 38a-321, we agree with Judge Levin that the plaintiff nevertheless would not be entitled to enforce the judgment he has obtained in the DaCruz action against State Farm. As Judge Levin concluded, a review of the testimony adduced by the plaintiff at the hearing in damages in the DaCruz action makes it abundantly clear that only one possible inference can be drawn regarding Michael Bullock’s state of mind when he assaulted the plaintiff: Michael Bullock attacked the plaintiff with the specific intent to cause him bodily harm. In such circumstances, State Farm has no duty to indemnify Michael Bullock because his conduct falls within the policy exclusion for bodily injury that is expected or intended.
The Appellate Court concluded that Judge Levin failed to give proper effect to Judge Curran’s finding, following the hearing in damages in the DaCruz action, that Michael Bullock’s conduct, though intentional, also was negligent.
In this opinion the other justices concurred.
General Statutes § 38a-321 provides: “Each insurance company which issues a policy to any person, firm or corporation, insuring against loss or damage on account of the bodily injury or death by accident of any person, or damage to the property of any person, for which loss or damage such person, firm or corporation is legally responsible, shall, whenever a loss occurs under such policy, become absolutely liable, and the payment of
Because the plaintiff was a minor when the DaCruz action was commenced, it was brought on his behalf by his parents. For ease of reference, we refer to DaCruz as the plaintiff in the DaCruz action.
The plaintiff also named as defendants in the DaCruz action Michael Bullock’s parents, Curtis Bullock and Sheila Meadows, the town of Orange, a second student who allegedly had participated in the assault, and that student’s parents, and certain employees of Amity Regional School District. The plaintiff reached a settlement with all of the defendants in the DaCruz action except Michael Bullock and his parents.
The plaintiff specifically alleged, with respect to this count, that Michael Bullock “was negligent and careless in one or more of the following ways in that he: (a) failed to exercise reasonable care; (b) negligently used an excessive and unreasonable amount of force when he knew or should have known that such use of force would cause substantial injury to the plaintiff; and (c) negligently continued to use excessive and unreasonable force after he knew or should have known that [the] plaintiff was unconscious or semiconscious.”
General Statutes § 52-572 provides in relevant part: “(a) The . . . parents ... of any unemancipated minor or minors, which minor or minors wilfully or maliciously cause . . . injury to any person . . . shall be jointly and severally liable with the minor or minors for the . . . injury to an amount not exceeding five thousand dollars, if the minor or minors would have been liable for the damage or injury if they had been adults. . . .”
Persons insured under the policy included any spouse or other relative of Susan Bullock who resided with her.
There does not appear to be any dispute that Michael Bullock was an insured under Susan Bullock’s homeowner’s insurance policy because he was a person under the age of twenty-one who was living in her household at the time of the assault.
Curtis Bullock initially filed an appearance pro se but subsequently did not appear in the State Farm action. The record is unclear as to whether Susan Bullock participated in the State Farm action. Susan Bullock, however, was not named as a defendant in the DaCruz action. See footnote 3 of this opinion.
Because the plaintiff had settled his claims against all of the defendants except Michael Bullock and his parents; see footnote 3 of this opinion; the plaintiff filed an amended complaint naming as defendants Michael Bullock and his parents only. The claims and factual allegations contained in the amended complaint otherwise are identical in all material respects to the claims and factual allegations of the original complaint.
The following colloquy occurred between Judge Curran and counsel for the plaintiff at the conclusion of the hearing in damages:
“The Court: . . . [I]t is obvious to the court that [the plaintiff] suffered a violent attack on him for which there can be no good reason and he has suffered severe traumatic injuries as a result of this, some of which may be permanent, and he is entitled to be recompensed. From . . . the evidence that was presented here today to the court, the court has to find that this is an intentional act on the part of [Michael] Bullock. This doesn’t appear to be two boys calling each other names and then squaring off in the parking lot. [The plaintiff] was minding his own business when he was attacked and there can be no reason in modem society, a civilized society, for this kind of conduct, and I think under those circumstances he is entitled to recover. I am going to enter a total judgment in the amount of $125,000 and from*683 that, of course, the court finds the economic damages to be $31,398, the balance being noneconomic damages, and I make no finding as to future economic damages because they are too nebulous at this point.
“[Ralph J. Monaco, the Plaintiffs Counsel]: Thank you, Your Honor.
“The Court: You are welcome.
“Mr. Monaco: We appreciate your time and the court’s time.
“The Court: Well, that is what the court is here for. I hope this young man can put his life together and go on from here. It sounds like a lot of money but, at the same time, whether [he] will ever recover, I have my doubts.
“Mr. Monaco: That remains to be seen and we do also, Your Honor. There is one item that comes to mind. There are actually two counts against Michael Bullock and I believe there is a count against his parents for parental liability.
“The Court: Well, I am going to enter the judgment against all three.
“Mr. Monaco: Thank you, Your Honor. I just wanted the record to be clear in that regal'd.
“The Court: Now, I found this to be an intentional tort, and are you asking for attorney’s fees? The question is—trying to collect those, too?
“The Court: I think that [$25,000] is a reasonable fee.”
Following a sidebar conference between Judge Curran and the plaintiffs counsel, the following colloquy ensued:
“The Court: Alright, in a brief conference with counsel, subsequent to the recess, the question of a finding of an intentional tort has been brought up. It is the understanding of the court that I have found this to be an intentional tort. The act that was perpetrated upon [the plaintiff] was intentional and was particularly vicious, and if there is any question about it, it is cleared up now. Is there anything else?
“Mr. Monaco: No, Your Honor. I just wanted the record to reflect that there are two counts against Michael Bullock, one for an intentional assault and one for negligence in repeatedly hitting [the plaintiff] and using an amount of force which was excessive, and that was the basis for our negligence claim. It was something that gave rise to an insurance dispute—
“The Court: Certainly, the amount of force exercised by [Michael] Bullock was excessive because he rendered [the plaintiff] unconscious with the first blow. Is there anything else?
“Mr. Monaco: Thank you. No, Your Honor. Those were our allegations in the second count, that he negligently used an excessive and unreasonable amount of force, and if I understand the record correctly, you’re finding that that did in fact occur.
“The Court: Yes.
“Mr. Monaco: Thank you, Your Honor.”
Judge Levin concluded, inter alia, that “no reasonable person could but find that the assault on [the plaintiff] was no accident and, therefore, not caused by an occurrence as defined in State Farm’s policy. Moreover, bodily
It does not appear that the plaintiff raised any claim on appeal regarding State Farm’s duty to indemnify Curtis Bullock.
“We note that the doctrines of collateral estoppel and res judicata, commonly referred to as issue preclusion and claim preclusion, respectively, have been described as related ideas on a continuum. [C]laim preclusion prevents a litigant from reasserting a claim that has already been decided on the merits. . . . [Ijssue preclusion [as we have explained] . . . prevents a party from relitigating an issue that has been determined in a prior suit.
The plaintiff also asserts that Judge Blue did not properly decide the issue of Michael Bullock’s intent in granting State Farm’s motion for summary judgment because that issue necessarily gives rise to a question of fact to be decided only after a trial. Although we agree that intent ordinarily is an issue to be decided by the fact finder, when the facts alleged permit only one conclusion regarding an actor’s state of mind, that issue is appropriately resolved by way of summary judgment. Cf. Wadia Enterprises, Inc. v. Hirschfeld, 224 Conn. 240, 250, 618 A.2d 506 (1992) (“even with respect to questions of motive, intent and good faith, the party opposing summary judgment must present a factual predicate for his argument in order to raise a genuine issue of fact”). As Judge Blue found, the plaintiff’s allegations concerning Michael Bullock’s conduct gave rise to no disputed issue with respect to the intentional nature of that conduct.
We note that, in light of the relatively broad language used by this court in Williamson, it is understandable why Judge Blue declined to address the issue of State Farm’s duty to indemnity. As we have explained, however, Judge Blue could have rendered judgment for State Farm on the indemnification issue as well notwithstanding the language of Williamson.
The plaintiff asserts that State Farm was in privity with Michael Bullock for purposes of the DaCruz action because State Farm and Michael Bullock “shared the common interest [of] defeating [the plaintiffs] claims.” We disagree that any such “common interest” placed State Farm in privity with Michael Bullock. “Privity is not established by the mere fact that persons may be interested in the same question or in proving or disproving the same set of facts. Rather, it is, in essence, a shorthand statement for the principle that collateral estoppel should be applied only when there exists such an identification in interest of one person with another as to represent the same legal rights so as to justify preclusion.” Mazziotti v. Allstate Ins. Co., 240 Conn. 799, 814, 695 A.2d 1010 (1997). State Farm’s primary and overriding interest was not in establishing that Michael Bullock was not liable to the plaintiff but, rather, in obtaining a determination that it had no duty to defend or to indemnify Michael Bullock because his conduct was not covered by Susan Bullock’s homeowner’s insurance policy. In such circumstances, we cannot conclude that State Farm and Michael Bullock were in privity: State Farm’s interest, in contrast to Michael Bullock’s interest, was to demon
Judge Curran’s finding of negligence apparently was predicated on a theory advanced by plaintiffs counsel at the hearing in damages, namely, that Michael Bullock used an “excessive” amount of force in “repeatedly hitting” the plaintiff. Footnote 10 of this opinion. We fail to see how this otherwise accurate characterization of Michael Bullock’s conduct “somehow transform[s] [that] conduct from intentional to negligent . . . .” American National Fire Ins. Co. v. Schuss, 221 Conn. 768, 777, 607 A.2d 418 (1992).
There can be no doubt, of course, as to the plaintiffs motivation for seeldng a judgment in the DaCruz action that was based, at least in part, on a finding that Michael Bullock negligently or accidentally had harmed the plaintiff. In the absence of such a finding, Michael Bullock’s conduct clearly would not fall within the coverage of Susan Bullock’s homeowner’s insurance policy. Although the plaintiffs desire for a deep pocket from