{"id":902687,"date":"2024-05-14T16:41:06","date_gmt":"2024-05-14T22:41:06","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=902687"},"modified":"2024-05-14T16:41:06","modified_gmt":"2024-05-14T22:41:06","slug":"this-is-not-how-we-do-it-insurer-gets-schooled-on-the-consequences-of-a-bad-faith-refusal-to-defend","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/this-is-not-how-we-do-it-insurer-gets-schooled-on-the-consequences-of-a-bad-faith-refusal-to-defend\/","title":{"rendered":"This Is [Not] How We Do It: Insurer Gets Schooled on the Consequences of a Bad Faith Refusal to Defend"},"content":{"rendered":"\n

Donald Scaramastra | Miller Nash<\/a><\/p>\n\n\n\n

Washington State goes to great lengths to protect policyholders from insurance company misconduct and overreach. This is especially true when it comes to an insurer\u2019s duty to defend<\/a> its policyholder against third-party claims.<\/p>\n\n\n\n

But the insurer in Alaska Airlines, Inc. v. Endurance American Insurance Co.<\/em> appears to have lost sight of this, flouting its duty to defend Alaska Airlines and ultimately paying a gruesome price.<\/p>\n\n\n\n

Alaska contracted with Huntleigh USA Corporation to provide wheelchair escort services to Alaska passengers at Portland International Airport. When no one showed up to escort a wheelchair-bound passenger, she tried to navigate unaided to her connecting gate. Her trip ended in tragedy, with a fall down an escalator that proved fatal.<\/p>\n\n\n\n

The passenger\u2019s estate sued both Alaska and Huntleigh. Among other things, the complaint alleged that the passenger\u2019s injuries and death resulted from Huntleigh\u2019s breach of its duty to provide gate-to-gate escort service to the passenger, which had left her to navigate the airport alone.<\/p>\n\n\n\n

Huntleigh had agreed to defend and indemnify Alaska for acts or omissions in the performance or nonperformance of Huntleigh\u2019s contractual obligations. Huntleigh had also named Alaska as an additional insured under its general liability policy, which covered (among other things) bodily injury from Huntleigh\u2019s \u201caviation operations.\u201d<\/p>\n\n\n\n

Hence, on four occasions spanning over two years, Alaska tendered the defense of the passenger\u2019s claim under the indemnity agreement and under Huntleigh\u2019s insurance policy. Each time Endurance (Huntleigh\u2019s insurer) rejected the tender. Disregarding the complaint\u2019s contrary allegations, Endurance denied both that Huntleigh had been engaged to provide wheelchair services for the passenger and that the passenger\u2019s injuries resulted from Huntleigh\u2019s acts or omissions.<\/p>\n\n\n\n

Alaska sued Endurance in federal court in the Western District of Washington, seeking damages for breach of contract, bad faith, and violation of various Washington statutes. The court granted summary judgment on coverage, holding that Endurance had breached its duty to defend Alaska against claims for bodily injury resulting from the vendor\u2019s \u201caviation operations.\u201d Endurance, who by this point had changed counsel, doesn\u2019t appear to have disputed that it breached its duty to defend.<\/p>\n\n\n\n

Alaska then moved for summary judgment on Endurance\u2019s statutory and tort liability for what it alleged was Endurance\u2019s unreasonable refusal to defend. The court readily granted this motion, too.<\/p>\n\n\n\n

The court began with Alaska\u2019s claim that Endurance\u2019s unreasonable coverage denial breached its duty of good faith as a matter of law. Washington follows the \u201ceight corners\u201d rule, which means the insurance company must defend if the policy, liberally construed, could conceivably cover the allegations in the complaint. In Washington these allegations must be construed in favor of coverage, and the insurer may not refuse to defend based on facts not alleged in the complaint. Yet Endurance\u2019s reasons for refusing to defend Alaska weren\u2019t based on allegations in the complaint. Rather, the court noted, they \u201cdirectly contradicted<\/strong>\u201d the complaint\u2014a clear no-no. Nor could Endurance square its defense of Huntleigh with its abandonment of Alaska, when both had the same coverage for bodily injury due to Huntleigh\u2019s aviation operations.<\/p>\n\n\n\n

From here, things went from bad to worse for Endurance.<\/p>\n\n\n\n

First, the court confirmed that under Washington law, its bad faith ruling resulted in a presumption of harm to Alaska. Endurance claimed that Alaska could prove no harm because its defense costs were paid by Alaska\u2019s own insurance company. The court rejected this argument, characterizing it as an improper attempt to shift the burden of proving damages back to Alaska. Because Endurance failed to rebut the presumption of harm, the court held that Alaska had proven its bad faith claim and was therefore entitled to coverage by estoppel.<\/p>\n\n\n\n

Second, the court held that Endurance\u2019s unreasonable coverage denial established its liability under Washington\u2019s Consumer Protection Act as well as under its Insurance Fair Conduct Act (IFCA).<\/p>\n\n\n\n

Though the court did not address Alaska\u2019s alleged damages, Endurance found itself on the losing end of an evidentiary ruling regarding Alaska\u2019s proof of damages. Endurance sought to exclude Alaska\u2019s risk management director from testifying to the impact of Endurance\u2019s misconduct on Alaska\u2019s future insurance premiums. Endurance principally argued that the director\u2019s opinions were unreliable because his methodology for computing damages was neither peer-reviewed nor used by others in the field. The court concluded that the director\u2019s methodology, premised on the \u201ccommon knowledge\u201d that \u201cclaims drive premium costs,\u201d wasn\u2019t \u201cparticularly complex,\u201d and required no peer review for validation. The court therefore declined to exclude the director\u2019s testimony.<\/p>\n\n\n\n

The court\u2019s summary judgment ruling left Endurance in an unenviable position. Having lost on liability, it was left to face a trial on Alaska\u2019s damages, whether or not covered by the policy and without regard to policy limits, plus the specter of an award of attorney fees and treble damages under IFCA.<\/p>\n\n\n\n

To hear the court tell it, by fairly flaunting its willful refusal to comply with Washington law, Endurance richly deserved this outcome. Frankly, Endurance\u2019s missteps were so significant and so obvious, it\u2019s difficult to discern exactly how Endurance could have made such a botch of things. One thing that stands out about Endurance\u2019s misconduct is just how strenuously and consistently it stuck to its initial wrong call, refusing to back down until it was too late. The court\u2019s opinion suggests that Endurance may have confused its own duty to defend under Huntleigh\u2019s insurance policy with Huntleigh\u2019s duty to defend under its contract with Alaska. Perhaps.<\/p>\n\n\n\n

Whatever the root cause of the problem, the fact that it arose highlights the lengths to which some insurance companies will sometimes go to avoid their defense obligations. To insurers, the ruling presents a cautionary tale: courts will impose severe consequences for trying to evade your duty to defend in Washington.<\/p>\n\n\n\n

To policyholders, meanwhile, the decision offers an encouraging reminder of Washington\u2019s unflagging commitment to see that insurance companies fulfill their defense obligations. If you\u2019re facing a lawsuit and your insurance company won\u2019t commit to defend you, this ruling is one of several that may help you turn things around and get you the help and protection you\u2019re owed.<\/p>\n\n\n\n

\n\n\n\n

When one of your cases is in need of a construction expert, estimates, insurance appraisal or umpire services in defect or insurance disputes – please call Advise & Consult, Inc. at 888.684.8305, or email experts@adviseandconsult.net<\/a>.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Donald Scaramastra | Miller Nash Washington State goes to great lengths to protect policyholders from insurance company misconduct and overreach. This is especially true when it comes to an insurer\u2019s duty to defend its policyholder against third-party claims. But the insurer in Alaska Airlines, Inc. v. Endurance American Insurance Co. appears to have lost sight of this,… Continue reading This Is [Not] How We Do It: Insurer Gets Schooled on the Consequences of a Bad Faith Refusal to Defend<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false},"version":2}},"categories":[14],"tags":[],"class_list":["post-902687","post","type-post","status-publish","format-standard","hentry","category-construction-2","entry"],"jetpack_publicize_connections":[],"yoast_head":"\nThis Is [Not] How We Do It: Insurer Gets Schooled on the Consequences of a Bad Faith Refusal to Defend - 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