Title: Moses, et al. v. Nationwide Mutual Fire Insurance Co., et al. Ward, et al. v. Nationwide Mutual Fire Insuance Co., et al.

State: delaware

Issuer: Delaware Supreme Court

Document:

IN THE SUPREME COURT OF THE STATE OF DELAWARE 
 
TRISHA MONCRIEF MOSES, LINDA J.  § 
No. 192, 2014 
BALDWIN, KENDALL S. MONCRIEF  
§ 
 
and ESTATE OF TREVOR R.  
 
§ 
Court Below: 
MONCRIEF, by and through its  
 
§ 
Administratrix, TRISHA MONCRIEF  
§ 
Superior Court of the  
MOSES, 
 
 
 
 
 
§ 
State of Delaware, in and  
 
 
 
 
 
 
 
§ 
for Kent County 
 
 
Plaintiffs below, 
 
 
§  
 
 
Appellants,   
 
 
§  
C. A. No. K13C-04-045 RBY 
 
v. 
 
 
 
 
 
§  
 
 
 
 
 
 
 
 
 
§ 
CONSOLIDATED 
NATIONWIDE MUTUAL FIRE   
 
§ 
INSURANCE COMPANY, a foreign  
§ 
corporation, as insurer for  
 
 
§ 
 
RAYMOND JOEY GLAESER,  
 
§ 
  
 
 
 
 
 
§ 
 
 
Defendant below,  
 
§ 
 
 
Appellee. 
 
 
 
§ 
__________________________________________________________________ 
RAYMOND WARD, JR., 
 
 
§ 
RAYSHAUN WARD, SHAWNA 
 
§ 
C. A. No.  K13C-05-036 RBY 
WARD, RAYKEEM WARD and 
 
§ 
PATRICIA WARD, 
 
 
 
§ 
 
 
 
 
 
 
 
 
§ 
 
 
 
Plaintiffs below, 
 
 
§ 
 
 
Appellants,  
 
 
§ 
 
 
 
 
 
 
 
§ 
 
v. 
 
 
 
 
 
§ 
 
 
 
 
 
 
 
§ 
NATIONWIDE MUTUAL FIRE 
 
§ 
INSURANCE COMPANY, a foreign  
§ 
corporation, as insurer for 
 
 
§ 
RAYMOND JOEY GLAESER, 
 
§ 
 
 
 
 
 
 
 
§ 
 
 
Defendant below,  
 
§ 
 
 
Appellee. 
 
 
 
§ 
 
2 
 
Submitted:  September 24, 2014 
Decided: September 25, 2014 
Before STRINE, Chief Justice, HOLLAND and VALIHURA, Justices.  
O R D E R 
This 25th day of September 2014, upon consideration of the parties’ briefs 
and the record below, it appears to the Court that:  
1. 
The Appellants, family members of the deceased homicide victims, 
Trevor R. Moncrief and Raymond S. Ward, Sr. (the “victims”), appeal the Superior 
Court’s grant of summary judgment.  The Superior Court held that recovery by 
Appellants under an automobile insurance policy issued by Nationwide Mutual 
Fire Insurance Company (“Nationwide”) on a Dodge Durango (the “insured 
vehicle”) driven by Raymond Joey Glaeser (“Glaeser”) was not proper.1  
Appellants sought coverage under Nationwide’s automobile insurance policy for a 
judgment entered against Glaeser in two coverage matters that were consolidated.2  
                                          
 
1 The insured vehicle was owned by Raymond Henry Glaeser’s business “Sparkle Pools.”   
Glaeser is the son of Raymond Henry Glaeser.  Glaeser worked for his father and had permission 
to use the insured vehicle. 
2 The Superior Court entered a default judgment in favor of the Appellants in Estate of Trevor 
Moncrief et al. v. Glaeser et al., No. 08C-06-014 DI 219 (Del. Super. Ct. Dec. 9, 2010) and 
Estate of Trevor Moncrief et al. v. Glaeser et al., No. 08C-06-014 DI 220 (Del. Super. Ct. Dec. 
15, 2010).  Damages were assessed against Randi Hamilton and Glaeser, jointly and severally, in 
the amount of $750,000 in each case.  Appellants filed the underlying litigation as judgment 
creditors of Glaeser seeking liability coverage under Nationwide’s policy on the insured vehicle.  
3 
 
The Superior Court found that, under Maryland law,3  the causal nexus between the 
insured vehicle’s use and the Appellants’ injuries was too attenuated to trigger 
coverage under the policy.  We agree and affirm.  
2. 
The victims were shot and killed during the late evening of June 5, 
2006 or the early morning of June 6, 2006. David Hamilton and Justin Erskine 
transported the victims’ bodies in a Toyota Tundra to a home in Camden, 
Delaware, where Glaeser was residing.  Glaeser agreed to help dispose of the 
victims’ bodies at his family’s home in Maryland.  Hamilton and Erskine then 
transported the victims’ bodies, in their Toyota Tundra, to Glaeser’s family 
property.  Glaeser drove separately in the insured vehicle.   
3. 
This Court reviews a trial court’s grant of summary judgment de novo, 
both as to the facts and the law, in order to determine whether the undisputed facts 
entitle the movant to judgment as a matter of law.4  We examine the record “to 
determine whether, after viewing the facts in the light most favorable to the 
nonmoving party, the moving party has demonstrated that no material issues of fact 
are in dispute and it is entitled to judgment as a matter of law.”5  
                                          
 
3 The parties agree that Maryland law applies.  The insurance policy was issued in Maryland; the 
insured vehicle was registered in Maryland; and the tortious activity took place in both Delaware 
and Maryland.  See State Farm Mut. Auto. Ins. Co. v. Patterson, 7 A.3d 454 (Del. 2010). 
4 DaBaldo v. URS Energy & Constr., 85 A.3d 73, 77 (Del. 2014). 
5 Id. (quoting United Vanguard Fund, Inc. v. TakeCare, Inc., 693 A.2d 1076, 1079 (Del. 1997)).  
4 
 
4. 
State Farm Auto. Ins. Co. v. DeHaan6 provides the legal framework 
for our resolution of this case.  In DeHaan, the Court of Appeals of Maryland 
stated that for coverage to be triggered there must be “a direct causal relationship 
between the injury and the actual use of the vehicle.”7  A direct causal relationship 
requires “the active participation of the vehicle of the perpetrator or tortfeasor” in 
the events that caused the injury.8  For example, in Harris v. Nationwide Mut. Ins. 
Co.,9 the plaintiff was injured when the perpetrator reached out of a vehicle’s 
window and grabbed the plaintiff’s purse, dragging her for fifteen feet.10  The  
Court of Special Appeals of Maryland found that a direct causal relationship 
existed because the plaintiff’s injuries arose directly from the assailant’s use of the 
vehicle.11  In Frazier v. Unsatisfied Claim and Judgment Fund Bd.,12 the plaintiffs 
were injured when the perpetrator threw a lit firecracker from his vehicle into the 
plaintiffs’ vehicle, causing it to crash.13  The Court of Appeals of Maryland held 
                                          
 
6 900 A.2d 208 (Md. 2006).   
7 Id. at 225.  The Court of Appeals of Maryland determined that whether an injury is covered 
under the automobile insurance policy may turn on “whether the use of an automobile is directly 
or merely incidentally causally connected with the injury, even though the automobile itself may 
not have proximately caused the injury.”  Id. at 218 (quoting Frazier v. Unsatisfied Claim and 
Judgment Fund Bd., 277 A.2d 57, 59 (Md. 1971)). 
8 Id. at 221. 
9 699 A.2d 447 (Md. Ct. Spec. App. 1997). 
10 Id. at 448-49. 
11 Id. at 455. 
12 277 A.2d 57 (Md. 1971). 
13 Id. at 58. 
5 
 
that a direct causal relationship was present because the plaintiffs’ injuries arose 
out of the use of the perpetrator’s vehicle.14  
5. 
A direct causal relationship does not exist where the use of the vehicle 
is only incidentally related to the plaintiff’s injuries.  In Wright v. Allstate Ins. 
Co.,15 the perpetrator drove to an intersection, waited for the victims to appear, 
exited his vehicle, and shot the victims.16  The wounded victim in the passenger 
seat attempted to drive as the driver was unconscious.  The car went off the road 
and struck a tree causing the victims to suffer additional injuries.17  The victims 
filed suit claiming that they were entitled to uninsured motorist coverage under the 
insurance policy on their vehicle for the injuries caused by the perpetrator’s use of 
his uninsured vehicle in the shootings.18  The  Court of Special Appeals of 
Maryland determined there was no direct causal relationship between the 
perpetrator’s use of his vehicle and the victims’ injuries because “the use of the car 
was incidental to the attempt to kill [the victims].”19  The court noted that “[t]he 
                                          
 
14 Id. at 59-60. 
15 740 A.2d 50 (Md. Ct. Spec. App. 1999). 
16 Id. at 50-51. 
17 Id. at 51. 
18 Id. 
19 Id. at 52. 
6 
 
[victims] were injured because [the perpetrator] shot them, not because he was 
using a car.”20 
6. 
This matter is analogous to Wright and distinguishable from Harris 
and Frazier.  As in Wright, the insured vehicle here incidentally provided for 
Glaeser’s transportation to and from the crime scene.  Thus, the present case is 
distinguishable from Harris and Frazier, because here, there is only an incidental 
connection between the use of the insured vehicle and the injuries Appellants 
suffered.  Accordingly, the appeal is without merit and we affirm. 
NOW, THEREFORE, IT IS ORDERED that the judgment of Superior Court 
is AFFIRMED. 
BY THE COURT: 
 
 
 
 
 
 
 
/s/ Karen L. Valihura 
 
 
 
 
 
 
 
  
Justice 
                                          
 
20 Id.