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IN THE SUPERIOR COURT OF THE STATE OF DELAWARE

BERNICE LEWIS, 

Plaintiff,

v.

CATO, INC.,

Defendant.

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) C.A. No. N21C-03-271 CLS

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Date Submitted: June 10, 2022

Date Decided: September 21, 2022 

Upon Defendant’s Motion for Summary Judgment. DENIED.

ORDER

D. Miika Roggio, Esquire, Silverman, McDonald & Friedman, Wilmington, 

Delaware, 19805, Attorney for Plaintiff, Bernice Lewis. 

Michael J. Logullo, Esquire, Rawle & Henderson LLP, Wilmington, Delaware, 

19801, Attorney for Defendant, Cato, Inc.

SCOTT, J.
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INTRODUCTION

Before the Court is Defendant Cato, Inc.’s (“Cato”) Motion for Summary 

Judgment on Statute of Limitation Grounds(“Motion”). Upon consideration of the 

Motion and Plaintiff Bernice Lewis’s (“Ms. Lewis”) response, Cato’s Motion is 

DENIED for the following reasons.

BACKGROUND/PARTIES CONTENTIONS

This case arising from a trip and fall outside an Arby’s restaurant in 

Georgetown, Delaware due to uneven pavement. Ms. Lewis filed suit on March 26, 

2021, alleging her injury occurred on March 29, 2019. Discovery closed on April 

29, 2022. Cato filed this Motion on May 16, 2022, alleging discovery revealed Ms. 

Lewis’s injury did not occur on March 29, 2019, as previously asserted. Instead, 

Cato asserts the statute of limitations began to run on January 20, 2019, making Ms. 

Lewis’s filing of her claim barred by the statute of limitations. 

Cato explained that Ms. Lewis identified an employee of Arby’s named 

“Tagier” that was an eyewitness to her fall and Cato was able to identify “Tagier” as 

Tagier Daniels (“Mr. Daniels”). Upon getting in contact with Mr. Daniels, it was 

discovered Mr. Daniels did not work at the Arby’s location at issue on March 29, 

2019, according to his timesheet report. Cato further explains that Ms. Lewis’s 

medical records indicate she fell on January 20, 2019, due to uneven concrete and 

injured her left shoulder and arm. Mr. Daniels was working on January 20, 2019. 
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Additionally, when Ms. Lewis was deposed, she stated she had one fall at Arby’s 

and she “did not know what date it was” but she did fall. When she was asked if 

January 20, 2019, was the correct date of the fall, Ms. Lewis responded, “I don’t 

know. I just really don’t know.” However, she did confirm she presented to Beebe 

after her fall for shoulder treatment. Ms. Lewis did not produce any Beebe medical 

records indicating she had shoulder treatment on March 29, 2019. Based on the 

January 20, 2019, Beebe medical record indicating Ms. Lewis went to Beebe 

Emergency Room on that date from a trip and fall and employee timecard indicating 

Ms. Lewis’s eyewitness worked on that date, Cato asks the Court to grant Summary 

Judgment due to statute of limitations barring the suit.

Ms. Lewis responded arguing two points: (1) the statute of limitations defense 

has been waived due to Cato’s liability insurance carrier failing to inform Ms. Lewis 

of the applicable statute of limitations in accordance with 18 Del. C. § 3914 and (2) 

there is a material question of fact as to the action date of Plaintiff’s fall. 

Ms. Lewis explains that according to 18 Del. C. § 3914, an insurer is required 

during the pendency of any claim received to give prompt and written notice 

informing claimant of applicable statute of limitation for his or her claim. Ms. Lewis 

alleges that on May 8, 2019, Ms. Lewis’s counsel sent certified mail to the manager 

of the subject Arby’s restaurant informing him of Ms. Lewis’s representation, 

accident and included a request to be put in contact with Cato’s insurance carrier. 
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Five days later, Ms. Lewis’s counsel received the certified mail receipt. In addition 

to the certified letter, Ms. Lewis’s counsel faxed the same letter directly to Cato on 

July 16, 2019 and was in contact with liability claims specialist from Cato’s 

insurance carrier on July 23 and 24, 2019. Ms. Lewis alleges that despite notice of 

her claim, neither Cato nor its insurance carrier ever informed Ms. Lewis of the 

applicable statute of limitations as required by Delaware law, therefore Cato waived 

the statute of limitation’s defense.

Additionally, Ms. Lewis argues there is a genuine issue of material fact 

present regarding the actual date of the injury. Ms. Lewis contends that if her fall 

occurred on or after March 26, 2019, the Complaint was timely filed. Ms. Lewis 

suggests there is ample evidence to suggest that the fall occurred during the final 

days of March 2019 based on Mr. Daniel’s wage records and several medical records 

reference a fall in the March 2019 timeframe. 

STANDARD OF REVIEW

Under Superior Court Rule 56, the Court may grant summary judgment if “the 

pleadings, depositions, answers to interrogatories, and admissions on file, together 

with the affidavits, if any, show that there is no genuine issue as to any material fact 

and that the moving party is entitled to summary judgment as a matter of law.”1 The 

1 Super. Ct. Civ. R. 56(c); Burkhart v. Davies, 602 A.2d 56, 59 (Del. 1991).
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moving party bears the initial burden of showing that no material issues of fact are 

present.2 Once such a showing is made, the burden shifts to the non-moving party 

to demonstrate that there are material issues of fact in dispute.3 In considering a 

motion for summary judgment, the Court must view the record in a light most 

favorable to the non-moving party.4 The Court will not grant summary judgment if 

it seems desirable to inquire more thoroughly into the facts in order to clarify the 

application of the law.5 

DISCUSSION

Ms. Lewis contends that Cato has waived the statute of limitations defense

because Cato and its insurance company were put on notice of this accident and 

neither entity gave notice to Ms. Lewis about the applicable statute of limitation for 

her claim. 

18 Del.C. § 3914 provides:

An insurer shall be required during the pendency of any claim received 

pursuant to a casualty insurance policy to give prompt and timely written 

notice to claimant informing him of the applicable state statute of limitations 

regarding action for his damages.6

2 Moore v. Sizemore, 405 A.2d 679, 680 (Del. 1979).

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Id. at 681.

4 Burkhart, 602 A.2d at 59.

5 Ebersole v. Lowengrub, 180 A.2d 467, 470 (Del. 1962); Phillip-Postle v. BJ Prods., 

Inc., 2006 WL 1720073, at *1 (Del. Super. Ct. Apr. 26, 2006).

6 18 Del.C. § 3914
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This provision, by its terms, applies to a claim received by an insurer pursuant to a 

casualty insurance policy.7 However, the statue does apply to a claim under a liability 

insurance policy.8It does not confine the statutory requirement to claims made by 

an insured.9 Therefore, if a claim was presented to the insurer, the insurer had the 

obligation to notify the claimant of the applicable statute of limitations and, in the 

absence of such notification, the insurer and its insured would be barred from 

asserting the statute of limitations against the claimant.10

In this case, there is evidence that Cato and its insurance company were aware 

of Ms. Lewis’s claim based on the correspondence which flowed between the 

parties. However, there is a genuine issue of material fact regarding whether Ms. 

Lewis received the applicable statute of limitations information as called for under 

18 Del. C. § 3914. 

Additionally, there remains a genuine issue of material fact regarding the date 

of the alleged incident as the evidence presented in this Motion does not definitely

determine the actual date of the accident. 

7 Samoluk v. Basco, Inc., 528 A.2d 1203, 1204 (Del. Super. Ct. 1987)

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Id. 

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Id. 

10 Id.
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CONCLUSION

For the foregoing reasons, Defendants’ Motion for Summary Judgment is 

DENIED.

IT IS SO ORDERED.

/s/ Calvin L. Scott

Judge Calvin L. Scott, Jr.