Miller v. Harco National Ins. Co., No. 00-15055

• Decision Date: 13 February 2001
• Docket Number: No. 00-15055,No. 00-15444,Docket No. 99-00417-CV-JEC-1
• Parties: (11th Cir. 2001) BYRON MILLER, ADER MILLER, Plaintiffs- Counter-Defendants, Appellants, v. HARCO NATIONAL INSURANCE COMPANY, Defendant, Counter-Claimant, Appellee, GALO MOYA, d.b.a. Shippers Services Express, SHIPPERS SERVICES EXPRESS, Defendants-Appellees. BYRON MILLER, ADER MILLER, Plaintiffs- Counter-Defendants, Appellees, v. HARCO NATIONAL INSURANCE COMPANY, Defendant- Counter-Claimant, GALO MOYA, GALO MOYA, d.b.a. Shippers Services Express, SHIPPERS SERVICES EXPRESS, Defendants-Appellants. Non-Argument Calendar D. C
• Court: U.S. Court of Appeals — Eleventh Circuit

Page 1331

241 F.3d 1331 (11th Cir. 2001)

BYRON MILLER, ADER MILLER, Plaintiffs- Counter-Defendants, Appellants, v. HARCO NATIONAL INSURANCE COMPANY, Defendant, Counter-Claimant, Appellee, GALO MOYA, d.b.a. Shippers Services Express, SHIPPERS SERVICES EXPRESS, Defendants-Appellees.

BYRON MILLER, ADER MILLER, Plaintiffs- Counter-Defendants, Appellees, v. HARCO NATIONAL INSURANCE COMPANY, Defendant- Counter-Claimant, GALO MOYA, GALO MOYA, d.b.a. Shippers Services Express, SHIPPERS SERVICES EXPRESS, Defendants-Appellants.

No. 00-15055

No. 00-15444

Non-Argument Calendar

D. C. Docket No. 99-00417-CV-JEC-1

UNITED STATES COURT OF APPEALS ELEVENTH CIRCUIT

Feb. 13, 2001

Feb. 22, 2001

Appeals from the United States District Court for the Northern District of Georgia

Before BIRCH, BARKETT and WILSON, Circuit Judges.

PER CURIAM:

The present suit arises from an incident in Michigan where Byron Miller's tractor-trailer was involved in a car accident with a truck allegedly owned by Galo Moya and his company, Shippers Services Express, Inc. Byron and his wife, Ader Miller, sought compensation in Michigan for their injuries. After the Michigan court granted them a default judgment, they sought to have the order enforced in Georgia against the defendants.

The district court granted summary judgment to the Millers and against Moya and his company, enforced the Michigan order and held them liable for the accident. Finding that Harco National Insurance Company ("Harco") had not insured Shippers Services Express, Inc. but only Galo Moya d.b.a. Shippers Services Express, the district court dismissed Harco from the suit and denied the Millers' motion for summary judgment against them.

On this consolidated appeal Moya asks us to review whether the district court erred in: 1) granting the Millers summary judgment, thus enforcing the default judgment; 2) finding that the Michigan court had personal jurisdiction over him; 3) finding that no material dispute existed as to whether the Moya and his company were alter egos of one another; and 4) finding that the Michigan judgment was entitled to full faith and credit.

After thorough review of the briefs and record for this case as well as the well-reasoned analysis of the district court, we affirm the court's decision to grant the Millers summary judgment against Galo Mayo and Shippers Services Express¹ adopting substantially the reasons offered in the district court's opinion dated August 30, 2000.

The Millers appeal the grant of summary judgment to Harco who won on its own competing motion for summary judgment by stating that the company did not provide coverage for the named insured in this case. The Millers counter that the issue is not whether Harco would be liable under its policy for the Michigan judgment, but whether Harco is liable for the judgment issued in the district court against all the Moya defendants, including its named insured, Galo Moya d.b.a. Shippers Express Services. This question requires some analysis by this Court. Yet, it has become evident that any theory by which we would proceed to answer this issue involves questions of state law for which there is no clear controlling legal precedent. As a result, we certify the questions noted at the end of this discussion to the Georgia Supreme Court under the authority granted by O.C.G.A. 15-2-9 (2000).

CERTIFICATE FROM THE UNITED STATES COURT OF APPEALS FOR THE ELEVENTH CIRCUIT TO THE SUPREME COURT OF GEORGIA, PURSUANT TO O.C.G.A. 15-2-9.

DISCUSSION

Harco provides insurance for Mayo who took out a policy in the name of Galo Mayo d.b.a. Shippers Services Express. It has previously been established that motor carrier companies with vehicles registered in Georgia² must maintain, as a matter of law, a certain level of insurance to protect the public from potential injury. See O.C.G.A. 46-7-1 through 46- 7-15; Ross v. Stephens, 496 S.E.2d 705, 707 (Ga. 1998). Consistent with such state obligations, 49 C.F.R. 387.1- 387.15 requires insurers of motor carrier companies to attach a federal MCS-90 form to its policies demonstrating an intent to provide coverage for potential torts committed against members of the public. See Century Indem. Co. v. Carlson, 133 F.3d 591, 594 (8th Cir. 1998) ("The MCS-90 provides a broad guaranty that the insurer will pay certain judgments incurred by the insured regardless of whether the motor vehicle involved is specifically described in the policy or whether the loss was otherwise excluded by the terms of the policy").

Georgia courts have also held that an insurer is subject to the insurance provisions concerning third-party victims regardless of whether the insured timely notified the insurer, see Progressive Cas. Ins. Co. v. Bryant, 421 S.E.2d 329, 331 (Ga. App. 1992); Seawheels, Inc. v. Bankers & Shippers Ins. Co. of New York, 333 S.E.2d 650, 653-54 (Ga. App. 1985), or whether the particular truck in question is listed on the insured's policy. See Ross, 496 S.E.2d at 707. The terms of Harco's policy also support this interpretation.³

Without strong arguments against any of these cases, Harco has advanced the argument that the suit in Michigan was against Shippers Services Express and not Galo Mayo d.b.a. Shippers Services Express, who is the covered party by the policy, and thus there was no...