[Cite as Pottorf v. Sell, 2009-Ohio-2819.]

IN THE COURT OF APPEALS OF OHIO 

THIRD APPELLATE DISTRICT 

SHELBY COUNTY 

 

SHERRY Y. POTTORF, ET AL., 

 PLAINTIFFS-APPELLANTS, CASE NO. 17-08-30 

 v. 

TRACY L. SELL, ET AL., O P I N I O N 

 DEFENDANTS-APPELLEES. 

 

Appeal from Shelby County Common Pleas Court 

Trial Court No. 07 CV 00224 

Judgment Affirmed 

Date of Decision: June 15, 2009 

 

APPEARANCES: 

Richard S. Davis for Appellants 

Edward T. Mohler for Appellees 
Case No. 17-08-30 

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SHAW, J. 

{¶1} Plaintiffs-Appellants Sherry and Douglas Pottorf appeal from the 

November 10, 2008 judgment of the Court of Common Pleas of Shelby County, 

Ohio, granting summary judgment in favor of Defendant-Appellee Nationwide 

Mutual Fire Insurance Company (“Nationwide”). 

{¶2} Appellant Sherry Pottorf was injured in a motor vehicle accident 

caused by the negligence of Defendant Tracy Sell (“Sell”) on July 19, 2005. At 

the time of the accident, Pottorf had uninsured/underinsured-motorist 

(“UM/UIM”) coverage with Nationwide. She also had medical payments 

coverage through the same policy. Sell had liability insurance through American 

Family Insurance Company with a policy limit of $50,000.00, at the time of the 

accident. In July of 2006, Nationwide paid $20,000.00 to Sherry Pottorf for the 

injuries she sustained as a result of the accident. 

{¶3} On July 18, 2007, Sherry Pottorf and her husband, Douglas, filed a 

complaint in the Shelby County Court of Common Pleas, naming Sell as the sole 

defendant. In the complaint, the Pottorfs claimed damages in excess of 

$150,000.00. The matter proceeded to mediation in June of 2008, and a pre-trial 

scheduling conference was had on July 16, 2008. The trial court set a final pretrial date and jury trial date for later in the year. On August 26, 2008, an agreed 

judgment entry was filed, permitting the Pottorfs to file an amended complaint. 
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That same date, the Pottorfs filed an amended complaint. In addition to naming 

Sell as a defendant, the amended complaint also named Nationwide as a defendant 

based upon the UM/UIM provision of the Pottorfs’ insurance policy. On 

September 26, 2008, Nationwide filed a motion for summary judgment based 

upon a provision in the insurance policy it issued to the Pottorfs, which stated: 

No lawsuit may be filed against us by anyone claiming any of the 

coverages provided in this policy until the said person has fully 

complied with all the terms and conditions of this policy . . . 

under the Uninsured Motorists coverage of this policy, any 

lawsuit must be filed against us: a) within three (3) years from 

the date of the accident[.] 

{¶4} The Pottorfs timely responded on October 24, 2008, and Nationwide 

filed a reply to that response on October 31, 2008. The trial court granted 

summary judgment in favor of Nationwide on November 10, 2008. This judgment 

was certified as a final appealable order pursuant to Civ.R. 54(B) on November 

21, 2008. 

{¶5} The Pottorfs now appeal, asserting one assignment of error. 

THE TRIAL COURT ERRED IN GRANTING APPELLEE’ 

[sic] MOTION FOR SUMMARY JUDGMENT AS IS [sic] DID 

NOT APPLY THE PROPER STANDARD FOR DECIDING A 

MOTION FOR SUMMARY JUDGMENT; IT DID NOT 

APPLY THE PROVISION OF CIVIL RULE 15, NOR WAS 

APPELLANT PROVIDED AN OPPORTUNITY TO 

DEMONSTRATE THE UNFAIR AND DECEPTIVE 

PRACTICES OF APPELLEE. 
Case No. 17-08-30 

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{¶6} An appellate court reviews a grant of summary judgment 

independently, without any deference to the trial court. Conley-Slowinski v. 

Superior Spinning & Stamping Co. (1998), 128 Ohio App.3d 360, 363, 714 

N.E.2d 991. The standard of review for a grant of summary judgment is de novo. 

Hasenfratz v. Warnement, 3rd Dist. No. 1-06-03, 2006 Ohio 2797, citing Lorain 

Nat’l. Bank v. Saratoga Apts. (1989), 61 Ohio App.3d 127, 572 N.E.2d 198. A 

grant of summary judgment will be affirmed only when the requirements of Civ.R. 

56(C) are met. This requires the moving party to establish: (1) that there are no 

genuine issues of material fact, (2) that the moving party is entitled to judgment as 

a matter of law, and (3) that reasonable minds can come to but one conclusion and 

that conclusion is adverse to the non-moving party, said party being entitled to 

have the evidence construed most strongly in his favor. Civ.R. 56(C); see Horton 

v. Harwick Chem. Corp. (1995), 73 Ohio St.3d 679, 653 N.E.2d 1196, paragraph 

three of the syllabus. 

{¶7} The party moving for summary judgment bears the initial burden of 

identifying the basis for its motion in order to allow the opposing party a 

“meaningful opportunity to respond.” Mitseff v. Wheeler (1988), 38 Ohio St.3d 

112, 116, 526 N.E.2d 798. The moving party also bears the burden of 

demonstrating the absence of a genuine issue of material fact as to an essential 

element of the case. Dresher v. Burt (1996), 75 Ohio St.3d 280, 292, 662 N.E.2d 
Case No. 17-08-30 

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264. Once the moving party demonstrates that he is entitled to summary 

judgment, the burden shifts to the non-moving party to produce evidence on any 

issue which that party bears the burden of production at trial. See Civ.R. 56(E). 

In ruling on a summary judgment motion, a court is not permitted to weigh 

evidence or choose among reasonable inferences, rather, the court must evaluate 

evidence, taking all permissible inferences and resolving questions of credibility in 

favor of the non-moving party. Jacobs v. Racevskis (1995), 105 Ohio App.3d 1, 7, 

663 N.E.2d 653. 

{¶8} On appeal, the Pottorfs argue that the trial court erred in granting 

summary judgment in favor of Nationwide for three reasons. First, they maintain 

that genuine issues of material fact exist. Second, the Pottorfs assert that they filed 

suit within the required three-year time period because of the “relation back” 

provision in Civ.R. 15(C), which involves amending a complaint. Lastly, the 

Pottorfs contend that summary judgment was improper because the trial court 

should have held a hearing to determine whether the contractual limitations period 

was void due to unfair or deceptive practices and/or provisions by Nationwide. 

{¶9} Initially, we note that there appears to be no dispute that Sell was 

negligent, causing the accident. Nor does there appear to be any dispute that the 

Pottorfs had a valid insurance policy with Nationwide on the date of the accident, 

which included UM/UIM coverage, and that Sherry Pottorf’s physical injuries 
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totaled at least $20,000.00, as evidenced by the subrogation claim made by 

Nationwide to Sell’s insurer. In addition, the parties do not dispute that the 

Pottorfs’ policy with Nationwide limited the time to bring suit against Nationwide 

to three years from the date of the accident. 

Claimed Issues of Material Fact as to the Application of the

Three-Year Period to the Circumstances of This Case

{¶10} The Supreme Court has repeatedly held that “‘the legal basis for 

recovery under the uninsured motorist coverage of an insurance policy is contract 

and not tort.’” Angel v. Reed, 119 Ohio St.3d 73, 2008 Ohio 3193, 891 N.E.2d 

1179, at ¶ 10, quoting Kraly v. Vannewkirk (1994), 69 Ohio St.3d 627, 632, 635 

N.E.2d 323 (other citations omitted). Ordinarily, causes of action based on 

contracts have a fifteen year statutory time limitation. Miller v. Progressive Cas. 

Ins. Co. (1994), 69 Ohio St.3d 619, 624, 1994 Ohio 160, 635 N.E.2d 317. 

“However, the parties to a contract may validly limit the time for bringing an 

action on a contract to a period that is shorter than the general statute of limitations 

for a written contract, as long as the shorter period is a reasonable one.” Id. 

{¶11} In Miller, the Court found that a two-year limitation period was a 

“‘reasonable and appropriate’ period of time in which to require an insured who 

has suffered bodily injury to commence an action under the 

uninsured/underinsured-motorist provisions of an insurance policy.” Angel, 2008 
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Ohio 3193, at ¶ 12, quoting Miller, 69 Ohio St.3d at 625, 635 N.E.2d 317. This 

same time limitation in an insurance contract with an UM/UIM provision was 

once again found valid in Angel. Angel, 2008 Ohio 3193, at ¶ 13. Additionally, 

R.C. 3937.18(H) permits a policy of insurance that includes UM/UIM coverage to 

include a limitations period of three years from the date of the accident within 

which to bring suit under a UM/UIM provision. 

{¶12} In the case sub judice, the policy states that any suit filed against 

Nationwide under the uninsured motorist provision, which also includes 

underinsured motorist coverage, must be brought within three years from the date 

of the accident. In light of Angel, Miller, and R.C. 3937.18(H), the Nationwide 

policy appears to be a reasonable and appropriate period. Thus, pursuant to the 

terms of the contract, the suit against Nationwide should have been brought within 

three years from the accident, i.e. by July 19, 2008. 

{¶13} Nevertheless, the Pottorfs maintain that they did not know the policy 

limits of Sell’s liability coverage until the court-ordered mediation was held in 

June of 2008. Accordingly, they claim they were unaware that they would need to 

make a claim under their UM/UIM provision until such time, which is why their 

suit against Nationwide was not filed until after they learned of Sell’s policy 

limits. As a result, the Pottorfs claim these circumstances tolled the running of the 

three-year period until the discovery of the relevant information in June of 2008, 
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or at the least, these circumstances create a genuine issue of material fact as to 

when the three-year period should have commenced. 

{¶14} However, the Ohio Supreme Court rejected a similar argument in 

Angel. See Angel, 2008 Ohio 3193, at ¶ 17-19. In Angel, the tortfeasor, Reed, 

reported that he had liability insurance, but after three years, the plaintiff 

discovered Reed’s policy was cancelled three months before the accident. Id. at ¶¶ 

2, 16. The plaintiff argued that she had no way of knowing that Reed did not have 

insurance and that the two-year limitation period in her uninsured motorist 

coverage could not begin to run until she learned of his status. Id. at ¶ 16. The 

Court rejected this contention, noting that “‘all that was necessary to determine 

Reed’s insurance status was to contact Nationwide. There is no reason why it 

should have taken Angel three years to realize Reed was uninsured.’” Id. at ¶ 17, 

quoting Angel v. Reed, Geauga App. No. 2005-G-2669, 2007 Ohio 1069, at ¶ 27 

(Grendell, J., dissenting). 

{¶15} The same is true for the Pottorfs. At any time Sell’s insurance 

company could have been contacted to determine the policy limits. In addition, 

the mechanisms in the discovery portions of the Civil Rules could have been 

utilized to determine Sell’s liability coverage, if any. To the contrary, the record is 

devoid of any interrogatories, requests for admissions, and/or requests for 

production of documents, whereby a copy of Sell’s insurance policy could have 
Case No. 17-08-30 

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been obtained and any limits thereon ascertained. Therefore, there is no genuine 

issue of material fact as to whether there should be a deviation in the date of filing 

against Nationwide to some date other than that of the accident, July 19, 2005, as 

the contract requires. See Angel, 2008 Ohio 3193, at ¶ 19. 

Relation Back under Civil Rule 15(C)

{¶16} The next question is whether the amendment of the Pottorfs’ 

complaint on August 26, 2008, relates back to the original date of the filing of the 

complaint on July 18, 2007. If it does, then the suit against Nationwide would 

have been deemed commenced within the three-year limitations period and 

summary judgment would have been inappropriate. 

{¶17} Civil Rule 15 governs the amendment of a complaint. Specifically, 

Civ.R. 15(A), in relevant part, allows a party to amend a complaint only by leave 

of court or by written consent of the adverse party. This Rule also allows claims 

and defenses based upon the same conduct, transaction, or occurrence of the 

original pleading to relate back to the date of the original pleading. Civ.R. 15(C). 

However, 

[a]n amendment changing the party against whom a claim is 

asserted relates back if the foregoing provision is satisfied and, 

within the period provided by law for commencing the action 

against him, the party to be brought in by amendment (1) has 

received such notice of the institution of the action that he will 

not be prejudiced in maintaining his defense on the merits, and 

(2) knew or should have known that, but for a mistake 
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concerning the identity of the proper party, the action would 

have been brought against him. 

Id. Various courts have held that “Civ.R. 15(C)(2) permits an amendment to relate 

back only where there was a mistake in the identity of the party originally 

named[.]” Kimble v. Pepsi-Cola General Bottlers (1st Dist. 1995), 103 Ohio 

App.3d 205, 207, 658 N.E.2d 1135; Beavercreek Local Schools v. Basic, Inc. (2nd

Dist. 1991), 71 Ohio App.3d 669, 690, 595 N.E.2d 360; Columbus Bd. of Edn. v. 

Armstrong World Industries, Inc. (10th Dist. 1993), 89 Ohio App.3d 846, 855, 627 

N.E.2d 1033; see also Maloney v. Callahan (1933), 127 Ohio St. 387, 188 N.E. 

656. “A mistake of party does not exist merely because a ‘party who may be 

liable for conduct alleged in the original complaint was omitted as a party 

defendant.’” Beavercreek Local Schools, 71 Ohio App.3d at 690, quoting Jenkins 

v. Carruth (E.D. Tenn.1982), 583 F.Supp. 613, 615-616. 

{¶18} In this case, the parties do not dispute that the Pottorfs’ amended 

complaint satisfied the first requirement that it arise out of the same conduct, 

transaction, or occurrence as the original complaint. Further, when construing the 

evidence in a light most favorable to the Pottorfs, Nationwide received notice of 

the institution of the action prior to the expiration of the three-year limitations 

period. 
Case No. 17-08-30 

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{¶19} More specifically, the Pottorfs submitted a letter from their attorney 

to Nationwide, dated June 20, 2008, which informed the company of the suit the 

Pottorfs filed against Sell, Sell’s policy limits, and their claim under the UM/UIM 

coverage of the Nationwide policy. Receipt of this letter was acknowledged in a 

letter from Nationwide Representative Kristie Eilerman, dated July 9, 2008. 

Additionally, there is nothing in the record to indicate that Nationwide would be 

prejudiced in maintaining a defense on the merits. Thus, the second requirement 

is satisfied when construed in a light most favorable to the Pottorfs. 

{¶20} Nevertheless, the “relation back” theory fails on the third 

requirement. The Pottorfs do not contend that their original complaint contained a 

misnomer or that they made a mistake as to the identity of the proper party. 

Rather, they assert that they did not know Sell’s policy limitations and that they 

would need to make a claim for UM/UIM coverage. This circumstance is not the 

kind of problem Civ.R. 15(C) was created to remedy. See Andre v. Chillicothe 

Jeep Sales, Inc. (Dec. 8, 1983), 10th Dist. No. 83AP-780, 1983 WL 3814. 

{¶21} The Pottorfs were aware of their UM/UIM coverage with 

Nationwide. They also filed their original complaint against Sells an entire year 

prior to the expiration of the contractual limitations period in their Nationwide 

policy, which gave them ample opportunity to ascertain what, if any, and how 

much insurance coverage Sells had. Lastly, the Pottorfs did not file a motion for 
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leave of court to amend the complaint once counsel for the Pottorfs learned of 

Sell’s policy limits in June of 2008. Rather, they sought an agreement by Sell to 

amend, which was not filed until August 26, 2008. 

{¶22} In any event, there was no mistake in identity as to the proper party 

to sue as provided for in Civ.R. 15(C). Therefore, we must conclude that the 

Pottorfs did not meet the requirements of Civ.R.15(C) in order for the amended 

complaint to relate back as to Nationwide. 

Claimed “Unconscionability” of the Three-Year Contract Provision

{¶23} Lastly, the Pottorfs assert that summary judgment was improper 

without first addressing whether the limitations period in the policy with 

Nationwide was void due to the unfair or deceptive practices and/or provisions by 

Nationwide. In support, the Pottorfs maintain that the limitations period for suit to 

invoke the UM/UIM coverage in the policy is in a portion separate from the 

UM/UIM provisions, which is a deceptive and unfair act. More particularly, they 

contend that the UM/UIM portion of the policy appears to be complete and thus 

creates the impression that following that section alone is all an insured needs to 

do in order to make a claim. 

{¶24} Notably, the Pottorfs failed to raise this issue in its response to 

Nationwide’s summary judgment motion in the trial court. “A party’s failure to 

raise an issue in response to an adverse party’s motion for summary judgment 
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waives that issue for purposes of an appeal.” Minster Farmers Coop. Exch. Co. v. 

Meyer, 3rd Dist. No. 17-08-31, 2009 Ohio 1445, at ¶ 22, citing Grieshop v. Hoyng, 

3rd Dist. No. 10-06-27, 2007 Ohio 2861, at ¶ 36, citing Hood v. Rose, 153 Ohio 

App.3d 199, 2003 Ohio 3268, 792 N.E.2d 736, at ¶¶ 9-11. Therefore, this issue is 

not properly before this Court. However, we note that upon reviewing the policy, 

we are not convinced the Pottorfs would prevail on this issue. 

{¶25} The policy contains a Table of Contents immediately following the 

declarations page and two endorsements. There are four areas of coverage listed 

in this table, including “Uninsured Motorists” coverage, pages U1-U5. 

Immediately thereafter is a section entitled “General Policy Conditions.” Included 

in this list is a sub-section entitled “Suit Against Us” at page G3, which is located 

three pages after the UM coverage section. As previously noted, this sub-section 

states: 

10. SUIT AGAINST US 

No lawsuit may be filed against us by anyone claiming any of the 

coverages provided in this policy until the said person has fully 

complied with all the terms and conditions of this policy, including 

but not limited to the protection of our subrogation rights. 

Subject to the preceding paragraph, under the Uninsured Motorists 

coverage of this policy, any lawsuit must be filed against us: 

(a) within three (3) years from the date of the accident; or 
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(b) within one (1) year after the Liability insurer for the owner or 

operator of the motor vehicle liable to the insured has become the 

subject of insolvency proceedings in any state; 

whichever is later. 

{¶26} This language is substantially similar to the policy provisions found 

to be valid by the Ohio Supreme Court in Angel, supra, and Miller, supra. Further, 

the words used are clear and unambiguous as required to limit the time for 

bringing an action on a contract to a period that is shorter than the general statute 

of limitations for a written contract. See Angel, 2008 Ohio 3193, at ¶ 11, citing 

Sarmiento v. Grange Mut. Cas. Co., 106 Ohio St.3d 403, 2005 Ohio 5410, 835 

N.E.2d 692, at ¶ 11. Moreover, the three year limitations period has been 

expressly endorsed by the Ohio General Assembly in enacting R.C. 3937.18(H). 

Thus, the court did not err in failing to have a hearing on this matter. 

{¶27} Accordingly, we find that the trial court did not err in granting 

summary judgment in favor of Nationwide. Therefore, the Pottorfs’ sole 

assignment of error is overruled, and the November 10, 2008 Judgment Entry of 

the Shelby County Court of Common Pleas is affirmed. 

Judgment Affirmed 

PRESTON, P.J. and WILLAMOWSKI, J., concur. 

/jlr