Nestor v. Travelers Indem. Co.
Decision Date | 11 June 1996 |
Docket Number | No. 14576,14576 |
Citation | 41 Conn.App. 625,677 A.2d 475 |
Court | Connecticut Court of Appeals |
Parties | James NESTOR v. TRAVELERS INDEMNITY COMPANY. |
David M. Reilly, New Haven, for appellant (plaintiff).
Robin S. Linker, with whom, on the brief, was Louis A. Ricciuti, Jr., Hartford, for appellee (defendant).
Before DUPONT, C.J., and FOTI and LAVERY, JJ.
The plaintiff appeals from the judgment rendered for the defendant following the trial court's granting of the defendant's motion to strike the plaintiff's amended complaint and his petition for the taking of depositions. 1
This case is an action in equity for discovery filed by the plaintiff against the defendant, Travelers Indemnity Company. The plaintiff alleged in his complaint that he was an employee of North American Phillips Corporation (North American), and that the defendant had issued an automobile insurance policy covering his employer's fleet of forty-two trucks. The plaintiff further claimed that the policy of insurance provided uninsured and underinsured motorists coverage in the amount of $20,000 per person and $40,000 per accident for each vehicle, with a two million dollar limit on liability.
The plaintiff's complaint alleged that he sustained injuries while operating one of his employer's vehicles when it collided with another automobile. Although the operator of the other vehicle was legally responsible for the accident, that individual had insufficient liability coverage to compensate the plaintiff for his injuries. The plaintiff claims to be entitled to proceed in arbitration, claiming benefits under the defendant's underinsured motorists coverage insurance policy. The plaintiff's complaint asserted that he believed that North American and the defendant intended the insurance contract to provide underinsured benefits not to exceed two million dollars by way of aggregating or "stacking" 2 the coverage on each of the vehicles in North American's fleet. The plaintiff sought discovery for the purpose of demonstrating, in an arbitration proceeding, that at the time North American and the defendant entered into the insurance contract, both parties intended to stack the insurance coverage on North American's fleet of vehicles.
The defendant filed a motion to strike the complaint, alleging that the plaintiff lacked the necessary good faith and probable cause to commence the action because he did not establish a prima facie case in support of his claim regarding the intention of the defendant and North American and, therefore, failed to state a cause of action on which relief could be granted. The trial court, Maiocco, J., granted the motion and the plaintiff filed an "Amended Complaint and Petition for Taking of Depositions." 3 This complaint was identical to the original complaint with the exception of two additional paragraphs setting forth the plaintiff's statutory claims, 4 and one added paragraph in the prayer for relief. 5
The defendant then filed a second motion to strike this complaint. The plaintiff again filed a request to amend his complaint by adding two new paragraphs, to which the defendant objected. The trial court, Hadden, J., overruled the defendant's objection to the request to amend and, with the agreement of the parties, treated the motion to strike as applying to the original complaint as further amended. 6 In granting the motion to strike, the trial court concluded that the plaintiff had
In reviewing a trial court's ruling on a motion to strike, we accept as true all facts that are well pleaded and construe the complaint in a manner most favorable to sustaining its legal sufficiency. Sassone v. Lepore, 226 Conn. 773, 779-80, 629 A.2d 357 (1993).
(Citations omitted; internal quotation marks omitted.) Berger v. Cuomo, 230 Conn. 1, 5-8, 644 A.2d 333 (1994).
The plaintiff concedes that the trial court must consider the underlying claim. He argues, however, that the trial court improperly concluded that, as a matter of law, stacking is not applicable with respect to uninsured motorists coverage that is provided in fleet insurance policies, and, therefore, in this particular case, the plaintiff cannot maintain that the defendant and North American reasonably expected that stacking would be allowed. We do not agree.
Stacking as a reasonable expectation of the parties does not extend to fleet contracts. Cohn v. Aetna Ins. Co., 213 Conn. 525, 530, 569 A.2d 541 (1990). Our review of the record and briefs demonstrates that the trial court properly concluded that the plaintiff had not set forth facts sufficient to show good faith or probable cause to support his claim that the parties to the insurance contract reasonably expected stacked insurance coverage. The plaintiff did not establish through his pleadings that he had probable cause to bring a potential cause of action but, rather, merely alleged unfounded suspicions.
The existence or nonexistence of probable cause to proceed to arbitration 7 under a policy such as the defendant's is usually determined by a court on the facts found. In the present case, however, because the court was acting on the defendant's motion to strike, we are limited to the facts that are well pleaded in the plaintiff's complaint. The sole paragraph going to the heart of this bill of discovery is paragraph 12. 8 What appear to be allegations of fact are, in reality, speculations and suspicions that form the...
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