Amend Complaint Docket No. 1:2011-CV-00240 Louis Charles Hamilton II vs. United States Attorney Office et al, CVS/Caremark and (UPS) United Parcel Services.
TERESA LOPEZ, individually and as heir
to ANTONIO RAMOS, deceased;
RED RYDER RAMOS, individually and as
heir to ANTONIO RAMOS, deceased; and
TERESA LOPEZ and RED RYDER
RAMOS, as co-representatives of the
ESTATE OF ANTONIO RAMOS,
Plaintiffs,
v.
THE UNITED STATES OF AMERICA, a
governmental entity,
Amend Complaint Docket No. 1:2011-CV-00240 Louis Charles Hamilton II vs. United States Attorney Office et al, CVS/Caremark and (UPS) United Parcel Services.
TERESA LOPEZ, individually and as heir
to ANTONIO RAMOS, deceased;
RED RYDER RAMOS, individually and as
heir to ANTONIO RAMOS, deceased; and
TERESA LOPEZ and RED RYDER
RAMOS, as co-representatives of the
ESTATE OF ANTONIO RAMOS,
Plaintiffs,
v.
THE UNITED STATES OF AMERICA, a
governmental entity,
A judge on the United States Court of Appeals for the Second Circuit for the past 11 years, Sonia Sotomayor is now high on lists that lawyers and politicians have assembled of possible replacements for Justice David H. Souter of the Supreme Court. She has a reputation as a sharp, outspoken and fearless jurist, and many of her opinions have demonstrated a willingness to take the government to task whenever she believes the circumstances warrant it.
Brownstone Law is an appellate law firm that is led by Robert Sirianni. Our law firm handles civil appeals and criminal appeals. We handle cases in Florida, Georgia, Texas, Illinois, Michigan, and Tennessee. Bond pending appeals and PSR hearings attorneys.
Assignment 1 (Doesn’t have to be full page, citation is a MUST).docxtrippettjettie
Assignment 1 (Doesn’t have to be full page, citation is a MUST):
Kesha has invited her friend Carrie to go home with her over the school’s short holiday break. Kesha, like many African Americans, has a rich spiritual tradition that permeates most areas of her life. In addition, Kesha is close to her immediate and extended family. Carrie, on the other hand, comes from a predominantly Caucasian Presbyterian background, is an only child, and rarely sees any of her extended family.
During her visit, Carrie is noticeably uncomfortable with the vastly different dynamics of Kesha’s family. Carrie is rethinking her friendship with Kesha and wants to withdraw from her.
How will you help Carrie understand the cultural values inherent in the African American culture and how these might be affecting her?
Suggest ways in which Kesha could build a bridge to help Carrie understand the African American culture.
Assignment 2 (2 pages, CITATION IS A MUST):
Reflections on Racial Discrimination
Franklin hears about people being discriminated against at the workplace and in society but rarely experiences it first hand. Cortez, on the other hand, speaks English poorly and is often subject to derogatory comments from peers and coworkers.
Reflect on your experience with racial discrimination.
Identify examples of racial discrimination and provide examples you have personally witnessed or heard about firsthand from the following three realms:
· family
· work place
· community
Write a brief summary that includes the following:
· Describe a racial incident pertaining to each realm in detail. Explain why you believe this is racial discrimination.
· Explain how this situation could have been handled to avoid discrimination against those belonging to another race.
Your response should be at least two pages long. All written assignments and responses should follow APA rules for attributing sources.
Supreme Court of Tennessee,
at Nashville.
STATE of Tennessee
v.
Eric FLEMMING.
April 3, 2000.
Defendant was convicted in the Criminal
Court, Davidson County, Seth Norman, J., of espe-
cially aggravated robbery, and defendant appealed.
The Court of Criminal Appeals, Tipton, J., re-
versed. Upon granting state's petition for permis-
sion to appeal, the Supreme Court, Barker, J., held
that: (1) defendant's fists and feet were not deadly
weapons, and (2) evidence was sufficient to support
instruction on facilitation as lesser-included offense
of aggravated robbery.
Affirmed and remanded.
West Headnotes
[1] Statutes 361 1072
361 Statutes
361III Construction
361III(A) In General
361k1071 Intent
361k1072 k. In general. Most Cited
Cases
(Formerly 361k181(1))
Supreme Court's role in construing statutes is
to give effect to legislative intent without unduly
restricting or expanding statute's coverage beyond
its intended scope.
[2] Statutes 361 1092
361 Statutes
361III Construction
361III(B) Plain Language; Plain, Ordinary,
or Common Meaning
361k1092 k. ...
A judge on the United States Court of Appeals for the Second Circuit for the past 11 years, Sonia Sotomayor is now high on lists that lawyers and politicians have assembled of possible replacements for Justice David H. Souter of the Supreme Court. She has a reputation as a sharp, outspoken and fearless jurist, and many of her opinions have demonstrated a willingness to take the government to task whenever she believes the circumstances warrant it.
Brownstone Law is an appellate law firm that is led by Robert Sirianni. Our law firm handles civil appeals and criminal appeals. We handle cases in Florida, Georgia, Texas, Illinois, Michigan, and Tennessee. Bond pending appeals and PSR hearings attorneys.
Assignment 1 (Doesn’t have to be full page, citation is a MUST).docxtrippettjettie
Assignment 1 (Doesn’t have to be full page, citation is a MUST):
Kesha has invited her friend Carrie to go home with her over the school’s short holiday break. Kesha, like many African Americans, has a rich spiritual tradition that permeates most areas of her life. In addition, Kesha is close to her immediate and extended family. Carrie, on the other hand, comes from a predominantly Caucasian Presbyterian background, is an only child, and rarely sees any of her extended family.
During her visit, Carrie is noticeably uncomfortable with the vastly different dynamics of Kesha’s family. Carrie is rethinking her friendship with Kesha and wants to withdraw from her.
How will you help Carrie understand the cultural values inherent in the African American culture and how these might be affecting her?
Suggest ways in which Kesha could build a bridge to help Carrie understand the African American culture.
Assignment 2 (2 pages, CITATION IS A MUST):
Reflections on Racial Discrimination
Franklin hears about people being discriminated against at the workplace and in society but rarely experiences it first hand. Cortez, on the other hand, speaks English poorly and is often subject to derogatory comments from peers and coworkers.
Reflect on your experience with racial discrimination.
Identify examples of racial discrimination and provide examples you have personally witnessed or heard about firsthand from the following three realms:
· family
· work place
· community
Write a brief summary that includes the following:
· Describe a racial incident pertaining to each realm in detail. Explain why you believe this is racial discrimination.
· Explain how this situation could have been handled to avoid discrimination against those belonging to another race.
Your response should be at least two pages long. All written assignments and responses should follow APA rules for attributing sources.
Supreme Court of Tennessee,
at Nashville.
STATE of Tennessee
v.
Eric FLEMMING.
April 3, 2000.
Defendant was convicted in the Criminal
Court, Davidson County, Seth Norman, J., of espe-
cially aggravated robbery, and defendant appealed.
The Court of Criminal Appeals, Tipton, J., re-
versed. Upon granting state's petition for permis-
sion to appeal, the Supreme Court, Barker, J., held
that: (1) defendant's fists and feet were not deadly
weapons, and (2) evidence was sufficient to support
instruction on facilitation as lesser-included offense
of aggravated robbery.
Affirmed and remanded.
West Headnotes
[1] Statutes 361 1072
361 Statutes
361III Construction
361III(A) In General
361k1071 Intent
361k1072 k. In general. Most Cited
Cases
(Formerly 361k181(1))
Supreme Court's role in construing statutes is
to give effect to legislative intent without unduly
restricting or expanding statute's coverage beyond
its intended scope.
[2] Statutes 361 1092
361 Statutes
361III Construction
361III(B) Plain Language; Plain, Ordinary,
or Common Meaning
361k1092 k. ...
Federal court, excluding police report, Darren Chaker, provides law on keeping a police report away from the jury in a criminal case, which is important since are usually hearsay and unreliable.
CASE BRIEF 12.1 Yale Diagnostic Radiology v. Estate of .docxjasoninnes20
CASE BRIEF 12.1
Yale Diagnostic Radiology v. Estate of Fountain
838 A.2d 179 (Conn. 2003)
FACTS: In March, 1996, Harun Fountain was shot in the back of the head at point-blank range by
a playmate. As a result of his injuries, including the loss of his right eye, Fountain required
extensive lifesaving medical services from a variety of medical services providers, including Yale
Diagnostic Radiology (plaintiff). The expenses at Yale totaled $17,694. Yale billed Vernetta
Turner-Tucker (Tucker), Fountain's mother, but the bill went unpaid and, in 1999, Yale obtained
a judgment against her. In January, 2001, all of Tucker's debts were discharged in bankruptcy,
including the Yale judgment.
Tucker filed suit against the boy who had shot Fountain. However, Fountain succumbed to his
injuries, passing away before the case was settled. The settlement on the tort case was placed into
probate court as part of Fountain’s estate. Tucker was the administrator of Fountain’s estate.
When the settlement was deposited, Yale asked the probate court for payment of its $17,694
judgment from the estate.
DECISION BELOW: The Probate Court denied the motion. Yale appealed to the trial court, and
the trial court held for Yale. Tucker and the estate (defendants) appealed.
ISSUE ON APPEAL: Can minors be held liable for necessaries when their parents cannot or refuse
to pay?
DECISION: . . . we conclude that Connecticut recognizes the doctrine of necessaries. We further
conclude that, pursuant to the doctrine, the defendants are liable for payment to the plaintiff for
the services rendered to Fountain.
When a medical service provider renders necessary medical care to an injured minor, two contracts
arise: the primary contract between the provider and the minor's parents; and an implied in law
contract between the provider and the minor himself. The primary contract between the provider
and the parents is based on the parents' duty to pay for their children's necessary expenses, under
both common law and statute. Such contracts, where not express, may be implied in fact and
generally arise both from the parties' conduct and their reasonable expectations. The primacy of
this contract means that the provider of necessaries must make all reasonable efforts to collect
from the parents before resorting to the secondary, implied in law contract with the minor.
The present case illustrates the inequity that would arise if no implied in law contract arose between
Fountain and plaintiff. Fountain received, through a settlement with the boy who caused his
injuries, funds that were calculated, at least in part, on the costs of the medical services provided
to him by the plaintiff in the wake of those injuries. This fact further supports a determination of
an implied in law contract under the circumstances of the case.
Tucker had four years to pay the plaintiff's bill for the services rendered to ...
Court of Appeals Opinion on Case Where Jury Returned a Verdict for Defendant in Wrongful Death Claim Brought by Family of 5 year old walking home from School
Article From Journal of Law and Education jointly published by the University of South Carolina Law School and University of Louisville Law School written by me regarding the uniform adoption of requirement that teachers receive an opportunity to remediate insufficient and inadequate teaching methods and deficiencies prior to any attempts to discharge them from their positions in public schools and a survey of efforts that must be adequately enacted prior to any efforts to remove that teacher from the school systems
Law Review Article.....Remediation: Evolving Fairness In Teacher DismissalWilliam P. Claxton
Law Review Article Regarding State's Requirement That State First Attempt Remediation And Training of Teacher Prior to Seeking Termination of Teacher From System
Article Published in American Law Media Daily Newspaper about Award of Attorney Fees because of Evidence of Questionable Inuries From Automobile Injury.
ALL EYES ON RAFAH BUT WHY Explain more.pdf46adnanshahzad
All eyes on Rafah: But why?. The Rafah border crossing, a crucial point between Egypt and the Gaza Strip, often finds itself at the center of global attention. As we explore the significance of Rafah, we’ll uncover why all eyes are on Rafah and the complexities surrounding this pivotal region.
INTRODUCTION
What makes Rafah so significant that it captures global attention? The phrase ‘All eyes are on Rafah’ resonates not just with those in the region but with people worldwide who recognize its strategic, humanitarian, and political importance. In this guide, we will delve into the factors that make Rafah a focal point for international interest, examining its historical context, humanitarian challenges, and political dimensions.
Responsibilities of the office bearers while registering multi-state cooperat...Finlaw Consultancy Pvt Ltd
Introduction-
The process of register multi-state cooperative society in India is governed by the Multi-State Co-operative Societies Act, 2002. This process requires the office bearers to undertake several crucial responsibilities to ensure compliance with legal and regulatory frameworks. The key office bearers typically include the President, Secretary, and Treasurer, along with other elected members of the managing committee. Their responsibilities encompass administrative, legal, and financial duties essential for the successful registration and operation of the society.
NATURE, ORIGIN AND DEVELOPMENT OF INTERNATIONAL LAW.pptxanvithaav
These slides helps the student of international law to understand what is the nature of international law? and how international law was originated and developed?.
The slides was well structured along with the highlighted points for better understanding .
A "File Trademark" is a legal term referring to the registration of a unique symbol, logo, or name used to identify and distinguish products or services. This process provides legal protection, granting exclusive rights to the trademark owner, and helps prevent unauthorized use by competitors.
Visit Now: https://www.tumblr.com/trademark-quick/751620857551634432/ensure-legal-protection-file-your-trademark-with?source=share
Debt Mapping Camp bebas riba to know how much our debt
Summary Judgment filed in Case in U.S. District Court
1. IN THE UNITED STATES DISTRICT COURT
NORTHERN DISTRICT OF GEORGIA
ATLANTA DIVISION
JC&C INC.,
LAWRENCE JAMES HELFRICH, and )
JEANNE MARIE HELFRICH )
)
Plaintiffs, )
) CIVIL ACTION FILE
v. ) NO. 1:11-CV-03591-TWT
)
PEERLESS INDEMNITY INSURANCE )
COMPANY )
)
Defendant. )
___________________________________ )
DEFENDANT’S BRIEF IN SUPPORT OF ITS
MOTION FOR SUMMARY JUDGMENT AND IN THE
ALTERNATIVE MOTION FOR PARTIAL SUMMARY JUDGMENT
COMES NOW, PEERLESS INDEMNITY INSURANCE COMPANY
(Hereinafter referred to as“Peerless”), Defendant in theabove-styled action,and files
this Brief in Support of its Motion for Summary Judgment, or in the alternative,
Motion For Partial Summary Judgment, showing the Court as follows:
STATEMENT OF FACTS
This claim arose when a fire occurred on October 4, 2009 at 270 Rucker Road
in Alpharetta, Georgia which houses a Carvel Ice Cream franchise owned and
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Case 1:11-cv-03591-TWT Document 30-1 Filed 12/10/12 Page 1 of 24
2. operated by JC&C Inc. whose only two officers are Lawrence James Helfrich and
Jeanne Marie Helfrich, also named parties herein. (Complaint ¶ 5).
The Roswell Fire Department responded to a reported burglarywhich later was
determined to be a burglary in connection with a building fire at approximately 2:17
a.m. Upon arrival the responding officer saw that smoke was coming out of the open
rear door of the building.
Charlie Vacca, as well as Gina Daunt, of the Roswell Fire Department Arson
Unit investigated the incident and determined that the fire was due to arson. There
were at least five separate points of origin with no continuity between the five points.
There was weathered gasoline present on three of the four samples taken fromthe fire
scene. Two gasoline cans which the insured brought to the store the day prior the fire
and which had never been in the restaurant before the day were also present. (Daunt
Depo. pp. 39-41).
Eighteen (18) months prior to the fire Larry Helfrich lost his job with GE
Capital,whichhad previouslypaidhim$300,000 annually.TheHelfrichs were forced
to obtain a year’s forbearance on the mortgage payments on their home loan of
$335,000 as well as a second mortgage of $40,000. Additionally, they owed $30,000
in automobile loans, $240,000 in student loan debt , and approximately $48,000
credit card debt and personal loans. The insureds depleted most of their assets in the
-2-
Case 1:11-cv-03591-TWT Document 30-1 Filed 12/10/12 Page 2 of 24
3. months prior to the fire attempting to stay afloat. (L. Helfrich pp. 33-36). Mr.
Helfrich testified that he would classify his family’s financial situation at the time of
the fire as “Bad” (L. Helfrich EUO p. 133).
The Carvel store originally housed both Carvel and a Cinnabons franchise but
the Helfrichs lost too much money operating the Cinnabons franchise to justify its
continued operated and closed down that part of their business. Larry Helfrich
testified that he and his wife invested $600,000 - $700,0000 into opening the
Cinnabons and Carvel’s $300,000 - $325,000 of which was withdrawn from
Helfrich’s 401K fund. (L. Helfrich Depo. p. 162).
Mr. & Mrs. Helfrich are both in agreement that this store never made a profit
in the four years from the day it opened. (EXHIBIT 1, J. Helfrich Police Interview
Track 1).
Larryand Jeanne Helfrich were interviewed byRoswell Police Detective Dana
DeWeese. DeWeese asked Larry and Jeanne Helfrich to submit to a polygraph exam.
Larry Helfrich testified under oath that he and his wife were told the Polygraph
Examinations were inconclusive. (L. Helfrich EUO p. 46). Jeanne Helfrich testified
that no one with Roswell Police Department ever told her that she failed the test, that
it was inconclusive or that she passed the Polygraph Examination. (J. Helfrich Depo.
p. 71, EUO p. 26).
-3-
Case 1:11-cv-03591-TWT Document 30-1 Filed 12/10/12 Page 3 of 24
4. To the contrary, Detective Dana DeWeese testified he told the Helfrichs that
they had both failed the polygraphs (DeWeese Depo. p. 61). DeWeese further
affirmatively testified that he believed that Larry Helfrich, Jeanne Helfrich, Carolyn
Helfrich and Carolyn’s fiancé, Ryan Smith, conspired together and set this fire. He
testified that he has probable cause to make arrests due at this moment with respect
to the evidence which presently exists. (Id. at 39). Roswell Arson investigator
Charlie Vacca came to the same conclusion (Vacca Depo. p. 48).
There are also problems with Larry Helfrich’s testimony about the purpose of
the trip to New York and Connecticut, how long he was scheduled to stay and what
he hoped to accomplish while he was out of state at the time of the fire.
Larry Helfrich testified that he flew to Connecticut to visit his son on October
3. 2009, the day prior to the fire and had not planned to return until the following
Tuesday October 6th
, since he also planned on interviewing for two jobs while he
was up there with Tom Ade formerly with GE on Monday. Ade works out of
Easton, Connecticut. Helfrich was also planning on meeting with a recruiter working
at Madison Davis by the name of Terry Fitzgerald whom he had planned on meeting
on Tuesday for lunch (L. Helfrich Depo. pp 91-95). Larry Helrich testified that when
he learned of the fire early Sunday morning, he called and rescheduled his flight from
the originally scheduled departure date on the following Tuesday to that Sunday of
-4-
Case 1:11-cv-03591-TWT Document 30-1 Filed 12/10/12 Page 4 of 24
5. the fire. (Id. at 75 )
Helfrich testified that he was meeting with his son on Sunday, October 4th
but
that he had set aside the following Monday and Tuesday strictly for the purpose of
interviewing with Fitzgerald and Ade with the return flight to leave on Tuesday
afternoon which would give him Monday to interview with Ade and Tuesday
morning to interview with Fitzgerald in order to have time to catch the afternoon
flight back home. (EUO pp. 72-77).
Peerless’ opinion is that Helfrich had flown to New York and say he had
interviews scheduled to divert suspicion away from him and provide an alibi for his
whereabouts at the time of the fire while other members of the family actually set the
fire alone or in concert with one another.
However, the original Deltareservation forflights obtained on line byHelfrich
for travel to and from New York City scheduled his flight to return on Monday (the
day after the fire) which would not have permitted interviews in New York and
Connecticut on Monday and Tuesday as Larry Helfrich testified. (EXHIBIT 3).
Larry Helfrich told the police that there had been surveillance installed in the
Carvel store in 2009, but he removed the surveillance equipment out of Carvel in
January or February, 2009 and brought the system to Windy City before they fired
people in February, 2009 for stealing food. (L. Helfrich Police Track 3 1:16:40).
-5-
Case 1:11-cv-03591-TWT Document 30-1 Filed 12/10/12 Page 5 of 24
6. Jeanne Helfrich, on the other hand, testified that Larry did not move the Surveillance
system until just one or two days prior to the fire in October, 2009. (J. Helfrich Police
Track 3....48:00. )
Larry Helfrich testified that theyhad an Espresso machine which had just been
repaired. He stated that he had just picked up the espresso machine and brought to
the store the Saturday prior to the fire. He placed it on a rolling cart. The machine
cost $12,000 when it was bought new in 2006. (L. Helfrich EUO pp.98-99) Larry
Helfrich testified that hehad purchased theEspresso machine fromTri-Mark in North
Carolina. He stated that they just recently discovered that this had been stolen during
the fire. (Id.). Jeanne contradicted Larry and testified that the only thing taken was
the cash bag in the back of the store with approximately $400. Jeanne said that the
only thing that was taken was the $400 in cash and said absolutely nothing at all
about the $12,000 Espresso machine being stolen in an EUO that was taken three (3)
months after the reported theft. (J. Helfrich EUO p. 67). Helfrich testified in his
Deposition that he did not state in his Examination Under Oath that the Espresso
machine had been purchased at Tri-Mark which was returned to the Carvel store the
day prior to the fire. (L. Helfrich Depo. p. 43-46). This statement is betrayed by Larry
Helfrich’s definitive, unqualified, unequivocal testimony from the Examination
Under Oath . (L. Helfrich EUO pp. 98-100, ) Furthermore, Peerless contacted Tri-
-6-
Case 1:11-cv-03591-TWT Document 30-1 Filed 12/10/12 Page 6 of 24
7. Mark who stated that no Espresso machine had ever been ordered by or sold to JC&C
by Tri-Mark. (EXHIBIT 2).
Finally, prior to the Examination Under Oath a letter was delivered to the
Plaintiffs requesting that they submit to the EUO and produce documents to Peerless
at the EUO necessary for the insurer to evaluate the claim. (EXHIBIT 3).
Among the documents requested were the following which, although sought
by Peerless were not provided by the insureds at the Examination Under Oath.
6. Originals of any documentation reflecting income for 2008 and 2009;
7. Copies of your personal tax returns for 2006, 2007 and 2008, including
any amended tax returns and all schedules;
8. Copies of business tax returns for JC&C Inc., for
2006,2007 and 2008, including any amended or refiled
tax returns;
9. A signed IRS Form 4506;
11. A completed Inventory Form;
12. All original receipts of purchases, invoices, owner’s manual and/or
warranty documentation for items involved in this loss, including
documentation which contains the serial number for items taken in this
loss;
21. Completed, signed proof of loss regarding the above-captioned claim;
22. Copies of franchise agreement with Carvel/Focus Group;
-7-
Case 1:11-cv-03591-TWT Document 30-1 Filed 12/10/12 Page 7 of 24
8. 23. Copies of all written correspondences with Carvel/Focus Group from
10/1/2008-10/1/2009, including but not limited to letters, notes, emails
and faxes;
24. Copies of all invoices you received from Carvel/Focus Groups from
10/1/2008-10/1/2009;
25. Copies of all monthly sales from 10/1/2008-10/1/2009;
26. Copies of all invoices for supplies for food/paper supplies/equipment
supplies from 10/1/2008 -10/1/2009;
29. Copies of your purchase agreement for the purchase of Pamela’s
Chocolates;
34. Copies of payroll records for the business from October 1, 2008 through
October 31, 2009;
45. Copies of all 401K statements for 2005, 2006, 2007 and 2008 to present;
48. Copies of all your monthly statements/payment history for American
Alarm from October 1, 2008 through October 31, 2009;
Helfrich did not produce the documents reflecting income for 2008 and 2009.
He also did not produce his 2006, 2007 and 2008 tax returns. Helfrich stated that he
would produce them at a later date. Helfrich also did not produce his inventory
form, again stating that he would produce it at a later date. Helfrich stated that he
would produce all of the invoices necessary to satisfy a complete inventory list.
Helfrich did not produce the Proof of Loss or the franchise agreement. He also did
not produce the email from Carvel stating that they could be released from their
franchise agreement, payroll records, 401K invoices, American Alarm statements,
-8-
Case 1:11-cv-03591-TWT Document 30-1 Filed 12/10/12 Page 8 of 24
9. invoices for supplies or the sales information nor did he produce the purchase
agreementfor Pamela’sChocolates.EXHIBIT3referencesonlythedocuments
required at the EUO which was requested by the undersigned Attorney hired by
Peerless. Peerless sent its own letter to the insured on its own letterhead dated
May 24, 2010 requesting its own set of documents in addition to those documents
requested in the Examination Under Oath. Although that letter requested different
documents, the same general categories of documents that were not produced
includingthepurchaseagreement forPamela’s Chocolates,invoices,AmericanAlarm
statements, and invoices for supplies or the sales information for the store.
LEGAL ANALYSIS
Summary Judgment is appropriate if the record shows there are no genuine
issues of material fact and that movant is entitled to judgment as a matter of law. Fed.
R. Civ. P. 56( c). The Court should grant summary judgment when, “a party fails to
make a showing sufficient to establish the existence of an essential element of that
party’s case.” Nolen v. Boca Raton Cmty. Hosp. Inc., 373 F.3d 1151, 1154 (11th
Cir. 2004), citing Celotex Corp. v. Catrett, 477 U.S. 317 (1986).
In order to defeat andsurviveSummaryJudgment,thenon-moving party“must
do more than simply show that there is some metaphysical doubt as to the material
facts.” Matsushita Electric Indus. Co. v. Zenith Radio Corp., 475 U.S. 574, 586
-9-
Case 1:11-cv-03591-TWT Document 30-1 Filed 12/10/12 Page 9 of 24
10. (1986). The non-moving party must make a sufficient showing on each essential
element of the case for which it has the burden of proof. Celotex, 477 U.S. at 323.
Therefore, the non-moving party must present specific evidence of every element
material to its case so as to create a genuine issue for trial. Anderson v. Liberty
Lobby, Inc., 477 U.S. 242, 323 (1986). Otherwise, Summary Judgment may be
entered against the non-moving party. Id.
Because there are no genuine issues of material fact that would support
Judgment in favor of the Plaintiff on the claims currently before the Court, as
discussed, Defendant Peerless is entitled to Summary Judgment which is easily
decided here as a matter of law.
Jeanne Helfrich testified that investigators Vacca and Daunt never told them
the results of the polygraph. (J. Helfrich Depo p. 73). DeWeese testified in his
Deposition that Helfrich was advised during her second interview that she and her
husband both failed the polygraph examination. (DeWeese Depo p. 61 )
There was a surveillance system at the Carvel store but it had been removed
prior to the fire. Larry Helfrich stated that he had moved it to the Windy City
restaurant in January or February, 2009. “Q. When did you bring [the surveillance
system] from [Carvel to Windy City Grill]? A. We brought it over to the other
store when we thought things were disappearing before we fired the other
-10-
Case 1:11-cv-03591-TWT Document 30-1 Filed 12/10/12 Page 10 of 24
11. people. Q. How far back did you fire them? A couple of days? A. Months.
Months. Like January, February I brought it over there” (Larry Helfrich Police
Interrogation Track 1. Counter 1:16:40).
However, when the police questioned Jeanne Helfrich about when the
surveillance system was removed from the Carvel to Windy City Grill she stated that
this was moved only a couple of days prior to the fire. “ Q. When was the
surveillance taken away? A. It was either the day before [the fire] it was a couple
of days before. I’m not really sure. Larry took it out. Q. It was one to two days
before the fire? A. I think so. Q. I think that’s what you told me up there. A. I
think so. (Jeanne Helfrich Police Interrogation. Track 1. Counter 47:55- 48:30).
Jeanne Helfrich testified that when the surveillance system was removed from
the Carvel store to move to Windy City Grill, the wires were unscrewed fromthe back
of the recorder. The wires were not cut. (id. at 49:40-50:00). However, when the
Police and Arson investigators inspected the connections which had previously
connected the Surveillance recorder which Detective DeWeese the were cut which
the Burglary Detective felt was highly suspicious since Helfrich planned on using the
system again at the Windy City Grill. (DeWeese Depo. p. 51, 57-58).
The left rear door was open when the fire department arrived and upon
inspection the Burglary Detective did not find evidence of forced entry. He testified
-11-
Case 1:11-cv-03591-TWT Document 30-1 Filed 12/10/12 Page 11 of 24
12. that whoever entered the premises did so with a set of keys. (DeWeese Depo. pp.14-
15)
1. Concealment, Misrepresentation or Fraud and Dishonesty
The Peerless Insurance policy contains the following Conditions which state:
Concealment, Misrepresentation or Fraud
“This policy is void in any case of fraud by you as it relates to
this policy at any time. It is also void if you or any other
insured, at any time, intentionally conceal or misrepresent a
material fact concerning:
(1). This policy;
(2). The Covered Property;
(3). Your Interest int eh Covered Property; or
(4). A claim under this policy.
Dishonesty
Dishonest or criminal acts by you, anyone else with an interest in the
property, or any of your or their partners, employees, directors, trustees,
authorized representatives or anyone to whom you entrust the property
for any purpose:
(1) Acting alone or in collusion with others;
(2) Whether or not occurring during the hours ofemployment.
It is well settled in Georgia that policy provisions such as that quoted above
are valid and enforceable. Perry v. State Farm Fire & Casualty Co., 734 F.2d
1441 (11th Cir. 1984); Allstate Ins. Co. v. Baugh, 173 Ga. App. 615 (1985).
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13. The law imposes upon Insureds the utmost of honest good faith dealing
with the insurer. See: Fortson v. Cotton States Mut. Ins. Co., 168 Ga. App. 139
(1983); Chaacou v. American Central Ins. Co., 241 F.2d 889 (5th
Cir. 1957);
Amisrepresentation byaclaimant frustrates thefulfillmentoftheinsurance
contract’s purpose and such actions void the right of the claimant to recover under
the policy and also voids an insurer’s obligation to pay under the policy. Mass
Bay Ins. Co. v. Hall, 196 Ga. App. 349, 352 (1990). Any other rule would be “an
invitationtofraud”idFraudulent concealment ormisrepresentationsbyaninsured
need not be under oath in order to void the insured’s claim. See: American
Diver’s Supply and Mftg. Corp v. Boltz, 482 F.2d 795 (1973); Mercantile Trust
Co. v. N.Y. Under. Ins., 376 F.2d 502 (1967)
It is not necessary that the misrepresentation be proven by direct and
positive proof, but it may be shown by circumstantial evidence. If the facts and
circumstances shown in evidence are such that it would lead a reasonable man to
the conclusion that fraud exists, this is all the proof that the law requires. Patillo
v. Thompson, 106 Ga. App. 808 (1962); Rollins v. Great S.W. Fire Ins. Co., 162
Ga. App. 139 (1982).
In addition to the express terms of the contract for insurance entered into
between the parties, Georgia law “stresses the insurer’s compelling interest in and
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14. right to accuracy in the proof of loss.” Wood v. Independent Fire Ins. Co., 749
F.2d 1493, 1497 (11th
Cir. 1985);Amer.Alli. Ins. v. Pyle, 62 Ga. App. 156 (1940).
Becauseoftheveryclandestinenature,theact offraud isgenerallyincapable
of direct proof. It may therefore be proved by circumstantial evidence and
unexplained circumstances surrounding the loss. Boone v. Royal Indem. Co., 460
F.2d 26 (10th
Cir. 1972); Cora Pub. v. Cont’l Cas., 619 F.2d 482 (5th
Cir. 1980).
A misrepresentation is material if a reasonable insurance company, in
determining its course of action, would attach importance to the fact
misrepresented. Chaacou v. American Central Ins. Co., Supra
There were numerous violations of the Concealment, Misrepresentation or
Fraud exclusion as well as the Dishonesty exclusion, there is sufficient evidence
to believe that fraud was perpetuated down to submitting claims for which theyhad
no proof such as the $12,000 Espresso machine.
The Helfriches depleted many of their assets attempting to stay afloat. Mr.
Helfrich testified that he would classify his financial situation as “bad.” Three days
after the fire, Mr. Helfrich contacted the property manager at 270 Rucker Road and
inquired into breaking the lease. A meeting with the owner was set up to discuss
his options. (Helfrich Depo. pp. 36-41).
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15. As a result of these violations of the Misrepresentation, Concealment and
Fraud violations as well as the Dishonesty exclusion violations on many levels,
Peerless is entitled to Summary Judgement on this suit.
2. Failure of Insureds To Cooperate
The Peerless Policy provides as follows:
PART E. PROPERTY LOSS CONDITIONS:
3. Duties In The Event Of Loss Or Damage
a. You must see that the following are done in the event of
loss or damage to Covered Property:
(1) Notify the police if a law may have been broken.
(2) Give us prompt notice of the loss or damage. Include a
description of the property involved.
(3) As soon as possible, give us a description of how, when
and where the loss or damage occurred.
(4) Take all reasonable steps to protect the Covered Property from
further damage, and keep a record of your expenses necessary to
protect the Covered Property, for consideration in the settlement
of the claim. This will not increase the Limit of Insurance.
However, we will not pay for any subsequent loss or damage
resulting from a cause of loss that is not a Covered Cause of
Loss. Also, if feasible, set the damaged property aside and in the
best possible order for examination.
(5) At our request, give us complete inventories of the damaged and
undamaged property. Include quantities, costs, values and
amount of loss claimed.
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16. (6) As often as may be reasonably required, permit us to inspect
the property proving the loss or damage and examine your
books and records. Also permit us to take samples of damages
and undamaged property for inspection, testing and analysis,
and permit us to make copies from your books and records.
(7) Send us a signed, sworn proof of loss containing the
information we request to investigate the claim. You must do
this within 60 days after our request. We will supply you with
the necessary forms.
(8) Cooperate with us in the investigation or settlement of the
claim.
b. We may examine any insured under oath, while not in the presence
of any other insured and at such times as may be reasonably required,
about any matter relating to this insurance or the claim, including an
insured’s books and records. In the event of an examination, an
insured’s answers must be signed.
There are numerous cases which confirm that an insured's failure to provide
requested documents constitutes a failure to cooperate under the policy. Purvis v.
State Farm, 901 F.2d 944 (11th Cir. 1990); Halcome v. Cincinnati Ins. Co., 254 Ga.
742 (1985); Hines v. State Farm, 815 F.2d 648 (11th Cir. 1987).
The Georgia Courts have interpreted the Cooperation Clause to require that the
insured cooperate with their insurer in the investigation of accidents, the securing of
evidence, giving notice of the accident, and making full, fair, complete and truthful
disclosures of the facts known to them relative to the claim when called upon to do
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17. so. St. Paul Fire & Mar. Ins. Co. v. Gordon, 116 Ga. App. 658 (1967); H.Y. Akers
& Sons, Inc. v. St. Louis Fire & Mar. Ins. Co., 120 Ga. App. 800 (1969).
A breach of the cooperation provisions by the insured relieves the insurer of
its obligations to pay any claim asserted. Hurston v. Ga. Farm Bur. Mut. Ins. Co.,
148 Ga. App. 324 (1978).
Under Georgia law, there is a duty on a policyholder to read their policy and
familiarize themselves with its provisions and conditions. The policy holder is
presumed to know the policy provisions and is charged with the knowledge of the
terms and conditions of the policy. Security Life Ins. Co.. v. Gober, 50 Ga. App. 404;
Massey v. Cotton States, 70 Ga. App. 794; Thomson v. So. Mut. Life, 90 Ga. 78;
Hatfield v. Colonial Life Ins. Co., 102 Ga. App. 630; S & A Corp. v. Berger & Co.,
111 Ga. App. 39.
Here, theinsureds, providedfalsestatements to PeerlessInsurance,inviolation
of the cooperation clause in the policy. Here, as in Hurston, the insured’s false
statements results in a breach of the policy and a forfeiture of the right to pursue this
loss under the law.
In Allstate Ins. Co. v. Hamler, 247 Ga. App. 574 (2001) the Court of Appeals
found that the insured’s failure to provide documents requested by an insurer as part
of an Examination Under Oath violates the terms and conditions of that insurer’s
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18. policy of insurance if the policy specifically requires production of requested
documents at the Examination Under Oath.
Allstate sent Hamler a letter requesting that she bring certain documents, as
required by the insurance policy, to her Examination Under Oath. The list of
documents was specific and detailed as in the present matter. Hamler brought a
portionofthedocuments,includingbank statements,receiptsand other documents
concerning items involved in the loss, a copy of her driver's licenses, photographs
of items allegedly stolen, and a copy of the police reports. Hamler also agreed to
provide copies of canceled checks for the purchase of items involved in the loss.
Hamler refused, however, to provide documentation showing her amount of
income and debts at the time of the incident, claiming that this information was
irrelevant. For example, she refused to provide federal and state tax returns or
documentation reflecting income for the same years as well as documents which
would have borne upon the issue of possible financial motive for making the claim,
according to Allstate. She refused to provide copies of telephone or other utility
bills, which, Allstate argued, would have provided further information concerning
Hamler's financial motive. Hamler also said she would not provide monthly credit
card or other loan statements, except to the extent that those documents showed the
purchase of items allegedly stolen. Hamler also refused to provide any records
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19. showing hospital admissions and discharges, which may have been relevant to her
claim that she was not at home when the alleged burglary occurred.
TheCourtofAppeals agreed with Allstate that Hamler breached the contract
of insurance by failing to provide these documents, even though Hamler did
provide certain other information. The Court of Appeals found issues in Hamler’s
appeal were similar to those in Halcome v. Cincinnati Ins. Co., 254 Ga. 742
(1985).
In Halcome, the insureds submitted a claim to Cincinnati Insurance
Company after several items were allegedly stolen from their automobile. Like the
insurance policy in this case and Hamler, the plaintiffs' policy required them to
provide records and documents requested by Cincinnati as often as required by the
insurer. During the plaintiffs' Examination Under Oath, they provided some of the
requested information. They "answered numerous questions regarding their
activities at the time of the loss," but they also refused to answer questions or
otherwise provide information concerning their income or sources of income. In
particular, they refused, among other things, to provide federal income tax returns
and W-2 forms for five years before the loss.
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20. Cincinnati claimed, as did Allstate in Hamler, that this information was
needed to determine the insureds’ "possible motives for submitting a false,
fraudulent, or exaggerated claim, and that the failure of the insureds to provide this
information prohibited the company from completing its investigation of the
claim." The Supreme Court of Georgia concluded in Halcome that the insureds
breached theircontract ofinsurance byfailing toprovideinformation ordocuments
requested by Cincinnati, stating that if they "failed to provide any material
information called for under . . . the policy ... they breached the insurance contract."
The Court in Halcome found that because evidence of possible fraud
existed, "a complete investigation of the claim included an investigation of the
suspected fraud" The insureds’ recent income and sources of income were
relevant, and failure to comply with the insurer's requests was a breach of the terms
of the insurance policy. Similarly, the Court of Appeals in Hamler found that the
information sought by Allstate was in fact relevant and discoverable. The Court
of Appeals found in Hamler, as in Halcome, that the insurer, Allstate, was
authorized to suspect fraudulent behavior. Evidence was presented that Hamler
mayhavemisrepresented material facts concerningher discoveryoftheclaim,such
as whether any of her neighbors may have seen suspicious activityand whether she
had spoken with any neighbors concerning the alleged burglary.
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21. Hamler refused to comply with Allstate's request for this relevant
documentation and, by refusing to cooperate, breached her insurance contract.
The Court of Appeals ruled in Hamler that Summary Judgment should have
been granted to Allstate by the trial court.
TheCooperation Clausetorequire that theinsured cooperatewith his insurer
in the investigation of accidents, the securing of evidence, giving notice of the
accident, and making full, fair, complete and truthful disclosures of the facts
known to them relative to the claim when called upon to do so. St. Paul v.
Gordon, 116 Ga. App. 658 (1967); H.Y. Akers v. St. Louis Fire & Marine Ins. Co.
120 Ga. App. 800 (1969).
A breach of the cooperation provisions by the insured relieves the insurer of
its obligations to pay any claim asserted Hurston v. Ga. Farm Bur. Mut. Ins. Co.,
148 Ga. App. 324 (1978). A false material statement by the insured has been held
by the Georgia Courts to constitute a violation of the Cooperation clause.
The Helfriches were asked to produce many categories of documentation
which would have assisted Peerless in evaluating this claim. The insured’s failure
to produce these documents where requested results in JC&C’s forfeiture of this
claim.
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22. 3. Partial Summary Judgment On Bad Faith Claim
In order to prevail on a bad faith claim under O.C.G.A. § 33-4-6(a), an
insured must show: (1) that a demand for payment was made against the insurer at
least 60 days prior to filing suit and (2) that the insurer’s failure to pay was
motivated by bad faith. Primerica Life Ins. Co. v. Humfleet, 217 Ga. App. 770,
771 (1995).
In the present matter the insured produced a letter from The Hamilton Law
Firm purporting to be a “Demand Letter” seeking payment of the claim dated
September 13, 2010, a year after the loss. While the letter accurately listed the
various policy coverages, some of which did not even apply to this loss, when it
came to the point in the letter to state the amount of the demand, the letter stated...
verbatim...... “INSERT”.
. Attorney’s fees and penalties provided bystatute for bad faith should never be permitted
unless the insured can show that the insurer acted in such a way that its defense was
“frivolous and unfounded.” Georgia Farm Bureau Mut. Ins. Co. v. Boney, 113 Ga.
App. 459 (1966); Continental Casualty Co. v. Owen, 90 Ga. App. 200 (1954).
Where there is evidence that the insurer’s refusal to pay the Plaintiff’s claim was
justified there can be no bad faith. See: Lincoln Life Ins. Co. v. Anderson, 109 Ga. App.
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23. 238 (1964); National-Ben Franklin Ins. Co. v. Prather, 109 Ga. App. 459 (1964); Old
Colony Ins. Co. v. Dressel, 109 Ga. App. 465 (1964).
If the evidence at trial of the matter provides the insurer “reasonable
grounds” for contesting the claim, there can be no finding against an insurer for
bad faith and attorney’s fees in the matter regardless of the case’s outcome.
Grange Mut. Cas. Co. v. Law, 223 Ga. App. 748 (1996); Interstate Life &
Accident Ins. Co. v. Williamson, 110 Ga. App. 557 (1964).
Here, the insured failed to state the amount of the claim in its “Demand
Letter from the Hamilton Firm dated September 13,2010, resulting in a failed
attempt at being entitled to seek Bad Faith. Similarly, the fact that Peerless had
reasonable and debatable grounds for questioning this claim,then Partial Summary
Judgment is mandated in favor .
CONCLUSION
For the reasons stated above, Peerless seeks Summary Judgment in its favor
on the basis of the insured’s violation of the Misrepresentation, Fraud and
Concealment provision in its policy, as well as material violations of the
DishonestyExclusion. Additionally, the insured’s claimfails because the insureds
failed to provide a Proof of Loss stating the amount of the loss and, in fact, admit
to this date they are unable to calculate the amount of their claim. As the party with
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24. the burden to prove its claim, the Plaintiffs claim here fails because they are unable
to state what their damages are. For this reason alone, Summary Judgment for the
Defendant is Warranted. Interagency v. Danco Fin. Corp., 203 Ga. App. 418
(1992).
This 10th
day of December, 2012
CLAXTON & CLAXTON, LLC
WILLIAM P. CLAXTON
Georgia State Bar No. 129320
Attorneys For Defendant
Suite 115
180 Interstate North Parkway
Atlanta, Georgia 30339
770.933.1946
770.933.8455 (Fax)
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