Source: s3://data.kl3m.ai/documents/govinfo/USCOURTS/USCOURTS-almd-1_11-cv-00166/USCOURTS-almd-1_11-cv-00166-0/pdf.json

Nature of Suit Code: 360
Nature of Suit: Other Personal Injury
Cause of Action: 28:1332 Diversity-Personal Injury

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IN THE UNITED STATES DISTRICT COURT

FOR THE MIDDLE DISTRICT OF ALABAMA

SOUTHERN DIVISION

JANIE P. KINSEY, )

)

Plaintiff, )

)

v. ) CIVIL ACT. NO. 1:11-cv-166-MEF

) (WO)

ASSURANCE AMERICA INS. CO., )

)

Defendant. )

RECOMMENDATION OF THE MAGISTRATE JUDGE AND ORDER

On March 9, 2011, Plaintiff Janie Kinsey (“Kinsey”), a pro se litigant in this Court,

brought suit against Assurance America Insurance Company (“Assurance”). With the

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complaint, Kinsey filed a motion for leave to proceed in forma pauperis (doc. # 2). Upon

consideration of the plaintiff’s motion to proceed in forma pauperis, it is

ORDERED that the motion be and is hereby GRANTED.

Proceeding on the basis of the court’s diversity jurisdiction, Kinsey seeks damages

against Assurance in the amount of one hundred and eighty thousand dollars ($180,000) for

Assurance’s failure to settle a claim arising out of an automobile accident involving an

Assurance-insured motorist.

Alabama law is clear that before Kinsey can bring suit against Assurance, she must

first obtain a judgment against Assurance’s insured motorist.

Kinsey attaches to her complaint a document entitled Federal Tort Claims Act and refers to 1

defendants named in another lawsuit filed in this court on the same day as this complaint. See Kinsey v.

Watkins, et al., Civ. Act. No. 2:11cv165-MEF-TFM (M.D. Ala. Mar. 9, 2011). Clearly, the document is

attached to this complaint in error.

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“The injured party, however, can bring an action against the insurer only after

he has recovered a judgment against the insured and only if the insured was

covered against the loss or damage at the time the injured party’s right of

action arose against the insured tort-feasor.”

State Farm Mut. Auto. Ins. Co. v. Brown, 894 So. 2d 643, 648 (Ala. 2004) quoting Maness

v. Ala. Farm Bureau Mut. Cas. Ins. Co., 416 So. 2d 979, 981-82 (Ala. 1982) (emphasis

added). See also Knox v. Western World Ins. Co., 893 So. 2d 321 (Ala. 2004) (affirming

order dismissing plaintiff's declaratory-judgment claim on basis that final judgment had not

been entered against insured/alleged tortfeasor); Wiggins v. State Farm Fire & Cas. Co., 686

So. 2d 218, 220 (Ala. 1996) (quoting Maness for the proposition that an injured party “‘can

bring an action against the insurer only after he has recovered a judgment against the

insured’”); Hicks v. Alabama Pest Servs., Inc., 548 So. 2d 148, 150 (Ala. 1989) (judgment

had not been entered for plaintiff; therefore, plaintiff had no right to pursue cause of action

against insurance company); Stewart v. State Farm Ins. Co., 454 So. 2d 513, 514 (Ala. 1984)

(citing Maness and holding that a plaintiff could not bring a direct action against the alleged

tortfeasor's liability insurer under a third-party-beneficiary theory); Howton v. State Farm

Mut. Auto. Ins. Co., 507 So.2d 448, 450 (Ala.1987) (noting Maness, Stewart, and other cases

in holding that a plaintiff may not maintain a direct action against an insurer before a

judgment has been rendered against the insured/alleged tortfeasor unless the insurer causes

an independent injury to the plaintiff).

Upon review of the complaint filed in this case, the Court concludes that dismissal of

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the complaint is appropriate under 28 U.S.C. § 1915(e)(2)(B). Pursuant to 28 U.S.C. § 1915

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(e)(2)(B)(i) and (ii), the court shall dismiss a case proceeding in forma pauperis “at any time

if the court determines that . . . the action . . . is frivolous or . . . fails to state a claim for

which relief may be granted.” 28 U.S.C. § 1915(e)(2)(B)(i) and (ii). A claim is legally

frivolous when it lacks an arguable basis either in law or fact. Neitzke v. Williams, 490 U.S.

319, 325 (1989). See also Procup v. Strickland, 760 F.2d 1107, 1114 (11 Cir. 1985). This

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section gives a federal district court “the unusual power to pierce the veil of the complaint’s

factual allegations and dismiss those claims whose [legal theories or] factual contentions are

clearly baseless.” Neitzke, 490 U.S. at 327. See also Woodall v. Foti, 648 F.2d 268, 271 (5

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Cir. June 16, 1981). Indeed,

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district courts have the inherent power to sua sponte dismiss frivolous suits

without giving notice to the parties. See Jefferson v. Fourteenth Assocs.,695

F.2d at 526. Under § 1915A, a complaint is frivolous if it is “without arguable

merit either in law or fact.” Bilal, 251 F.3d at 1349. In discussing what is

frivolous in the context of 28 U.S.C. § 1915(e)(2)(B)(i), [the Eleventh Circuit]

also ha[s] held that “[a] district court may conclude a case has little or no

chance of success and dismiss the complaint before service of process when

it determines from the face of the complaint that the factual allegations

are‘clearly baseless’ or that the legal theories are ‘indisputably meritless.’”

Carroll v. Gross, 984 F.2d 392, 292 (11 Cir. 1993).

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Davis v. Kvalheim, 261 Fed. Appx. 231, 234-35 (11 Cir. 2008).

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 Assurance has filed a motion to dismiss which is due to be denied as moot. See Doc. # 4. 2

 Although Neitzke interpreted 28 U.S.C. § 1915(d), the predecessor to § 1915(e)(2), the analysis 3

contained therein remains applicable to the directives of the present statute.

See Bonner v. City of Prichard, 661 F.2d 1206 (11 Cir. 1981) (en banc), adopting as binding

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precedent all of the decisions of the former Fifth Circuit handed down prior to the close of business on

September 30, 1981.

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In response to the defendant’s motion to dismiss, Kinsey asserts that she has a direct

action against Assurance America; she does not claim that she has obtained a judgment

against Assurance America’s insured. See Doc. # 7. Notwithstanding her assertion to the

contrary, because Kinsey has not yet obtained a judgment against Assurance America’s

insured, the claim she presents against Assurance is ‘without arguable merit in fact or law,”

and she has failed to state a claim for which relief may be granted. Consequently, this action

is due to be dismissed as frivolous.

For the foregoing reasons, it is the RECOMMENDATION of the Magistrate Judge

that this case be DISMISSED pursuant to 28 U.S.C. § 1915(e)(2)(B)(i) and (ii), and that the

defendant’s motion to dismiss be DENIED as moot. It is further

ORDERED that the parties shall file any objections to the said Recommendation on

or before April 22, 2011. Any objections filed must specifically identify the findings in the

Magistrate Judge’s Recommendation to which the party objects. Frivolous, conclusive or

general objections will not be considered by the District Court. The parties are advised that

this Recommendation is not a final order of the court and, therefore, it is not appealable.

Failure to file written objections to the proposed findings and recommendations in the

Magistrate Judge's report shall bar the party from a de novo determination by the District

Court of issues covered in the report and shall bar the party from attacking on appeal factual

findings in the report accepted or adopted by the District Court except upon grounds of plain

error or manifest injustice. Nettles v. Wainwright, 677 F.2d 404 (5 Cir. 1982). See Stein

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v. Reynolds Securities, Inc., 667 F.2d 33 (11 Cir. 1982). See also Bonner v. City of

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Prichard, 661 F.2d 1206 (11 Cir. 1981, en banc), adopting as binding precedent all of the

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decisions of the former Fifth Circuit handed down prior to the close of business on

September 30, 1981.

Done this 8 day of April, 2011.

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 /s/Charles S. Coody 

CHARLES S. COODY

UNITED STATES MAGISTRATE JUDGE

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