Filed 9/3/ 24 Sandoval v. Barajas CA2/1

NOT TO BE PUBLISHED IN THE OFFICIAL REPORTS

California Rules of Court, rule 8.1115(a), prohibits courts and parties from citing or relying on opinions not certified for publication or ordered published, except as specified by rule 8.1115(b). This opinion has not been certified for publication or ordered published for purposes of rule 8.1115.

IN THE COURT OF APPEAL OF THE STATE OF CALIFORNIA

SECOND APPELLATE DISTRICT

DIVISION ONE

JAM I E SANDOVAL

,

Plaintiff and Appellant,

v.

RAMIRO PADILLA BARAJAS,

Defendant and Respondent

. B 326203

(Los Angeles County Super. Ct. No. BC691447 )

APPEAL from an order of the Superior Court of
Los Angeles County, Upinder S. Kalra, Judge. Reversed

. Law Offices of Farrah Mirabel and Farrah Mirabel for
Plaintiff and Appellant. Toschi, Collins, Doyle & Houvener and Meredith C. Doyle

, for Defendant and Respondent.

________________________2 Plaintiff and a ppellant Jamie Sandoval appeals from a n order setting aside a default judgment and underly ing entry of
default he obtained against defendant and respondent Ramiro
Padilla Barajas in a lawsuit regarding an automobile collision between the parties. We conclude the trial court abused its discretion in concluding that Barajas’s reasonable reliance on
his insurer to address the default was sufficient to establish the diligence case law requires in order to set aside a default on the grounds of extrinsic mistake

. Barajas did not provide any basis

on which the trial court could conclude his insurer had been diligent in seeking to address the default once discovered

— indeed, the trial court found the insurer had acted unreasonably. Particularly given the substantial prejudice to Sandoval from setting aside a years

- old judgment, and the resulting heightened level of diligence Barajas needed to show to justify setting it aside

on equitable grounds , the court abused its discretion in granting Barajas’s motion to set aside

. Accordingly, we reverse

.

FACTS AND PROCEEDINGS BELOW

A

. Proof of Service of Complaint and Summons On January 25, 2018, Sandoval filed suit against Barajas alleging Barajas was at fault in their March 19, 2016 automobile
col lision in which Barajas’s vehicle drove into Sandoval’s vehicle

. On March 7, 2018, Sandoval fil e d a proof of service of
the summons and complaint. A professional process server
declared that he had served Barajas by substituted service

. Specifically, he declared that he had made four unsuccessful attempts to personally serve Barajas at 15040 Parthenia Street, Apartment 33 in the city of North Hills, Barajas’s residence

at the time, over the course of a week in February 2018. The3

declaration described how, having failed in these attempts,

o n February 24, 2018 at 10:00 a

. m

. , the process server left the summons and complaint with “Maria ‘Doe

, ’ co

- occupant (refused last name)” and mailed copies of the documents to Barajas’s
residence as well

. (Capitalization omitted.)

B. Default and Default Judgment On May 3, 2018, Sandoval filed a request for entry of
default. T he request form included a declaration of Sandoval’s counsel that, on A pril 30, 2018
, “ a copy of [ the ] r equest

. . .

was mailed

. . . to

. . . [Barajas’s] last known address, ” identified
as the Parth en ia Street apartment

. On May 3, 2018 t he court
entered default as requested. On August 16, 2018, Sandoval
filed a request for default judgment, which t he trial court grant e d

an d entered on the same day. The court issued an abstract
of judgment on March 4, 2019

. Sandoval’s counsel declared
that he mailed it to Barajas at the Parth en ia Street apartment
, as well as to Barajas’ s then

- current insurance carrier

.
C

. Motion to Set Aside On July 1, 2022, Barajas filed a motion that, in substance, sought to set aside the entry of default and default judgment

. 1 He supported his motion with declarations, including his own.

1 Barajas’s motion to set aside does not expressly seek to set aside the entry of default

. It is instead captioned as a “motion to set aside default judgment and quash service of summons.” (Boldface & capitalization omitted.) Both below and on appeal, however, the parties treat the motion as one that, in substance, sought to set aside both the entry of default and the default judgment. For example, although the motion’s prayer for relief does not expressly request that the default be set aside, it4 1. Barajas d eclaration

The Barajas declaration describes the incident as “ a motor vehicle accident on March 19, 2016 on eastbound Van Nuys Boulevard near the intersection of Canterbury Avenue in the City of Arleta in which . . . Sandoval

. . . negligently made a
U

- t u rn in his 2012 Dodge Caliber in front of my 2013 Dodge Charger and then veered into a parked vehicle.” Barajas declared “[o]n information and belief,” that Sandoval “was at fault for the incident and his insurance carrier accepted liability.” As to service, Barajas declared that he had not received the

summons or complaint, and that he “ was not aware until recently of any alleged substituted service via [his] wife Maria Perez,
which [he] dispute [d]

. ” Barajas declared that he first learned

includes a request that the court permit Barajas to file an answer, which would only be possible if the court also set aside the default. The court appears to have shared this understanding; its order on the motion grants t he “ m otion to

s et a side/ v acate d efault and d efault j udgment

. . . and q uash

s ervice of s ummons .” (Capitalization omitted & italics added.) The court’s tentative ruling, which was ultimately adopted and incorporated into the order, refers to a “ m otion to s et

a side/ v acate d efault” (capitalization omitted), and t he court’s order also required Barajas to “file a separate answer within 10 days.” (Capitalization omitted.) Because the motion appears to have been one that, in substance, the court and the parties understood as seeking to set aside both the default and the default judgment, we likewise treat it as such. In any event, the same extrinsic mistake requirements would apply whether Sandoval is seeking to reverse an order setting aside only the default judgment or an order setting aside both the default and default judgment. We shall refer to the motion as simply “the motion to set aside.”5

anything about the lawsuit from a March 24, 2020 Department
of Motor Vehicles (DMV) “ o rder of s uspension” (capitalization omitted) that he received “around [that date].” It inform ed Barajas that his driver’s license had been suspended because
he had “failed to pay the judgment awarded” in a lawsuit,
which the document identified by full name and case number. (Capitalization omitted.) He “understood the notice had something to do with a dispute relating to Jamie Sandoval”
and forwarded it to his insuranc e company “in an attempt

to determine what [it] meant.” The insurance agent, Joel Velasquez

- Hernandez, told Barajas “ he did not have any information on this claim or any c ourt proceedings. ” (Capitalization omitted.) Barajas declared he only became aware of the litigation in April 2022 when his counsel informed him of it. According to the declaration of Barajas’s counsel, she contacted him at this time
after his insurance carrier contacted her in April 2022 “ to assist in the filing of [the] motion [to set aside] . . . following a period
of settlement negotiations ” between the insurance company and
Sandoval/his counsel.

2. Declaration of Barajas’s i nsurance a gent Velasquez

- Hernandez declar ed that “Maria Perez and

. . . Barajas [had] called and informed [him] in 2020 that

. . . Barajas ’ [s] license had been suspended [and] that they were unsure if litigation had been filed relating to

. . . Sandoval.”
At that time, Velasquez

- H ernandez “tried to investigate what

was going on with the claim” but “was not able to determine any
info rm ation regarding the status of this claim, and informed

. . . Perez and

. . . Barajas of such.” Velasquez

- Hernandez “did not have access to the policy file [covering Perez and Barajas] or any6

related documentation prior to 2018 when [he] purchased the policy.”

3. Declarations of Barajas’ s w ife and f

ormer

n eighbor

Both Barajas’s wife ( Perez )

, and his former neighbor at
the Parth en ia Street apartment, Alvaro Rojas

, declared that
Perez assisted Rojas with his catering business on Saturdays
and Sundays, and that o n the morning o f Saturday February 24,
2018

— the date and time the proof o f service stated a process server had handed Perez the summons and complaint at the
Parth en i a Street apartment

— Perez was at Rojas’ s apartment next door, assisting him with food preparation

. Both Perez and Rojas further declared that no on e came to the door or handed her any papers that morning, and Perez declared she had never
received them.
Perez further declared that, both at the time of her declaration and on February 24, 2018, she had “blonde hair, bluish green eyes, [was] 5 feet, 4 inches to 5 feet, 5 inches tall, and [w eighed ] approximately 300 to 325 pounds.” 2 The proof
of service of the summons an d complaint, by contrast, described the “ Maria ‘ Doe ’ ” to whom the papers had been provided as being
“5 feet 1 inches [tall and] 160 pounds” with “black hair, brown eyes.” (Capitalization omitted.)

4. Supplemental b riefing and e vidence At the initial hearing, t he court requested supplemental briefing and evidence on specific issues, including “any and all

2 The Velasquez

- Hernandez declaration provided a consistent description of Perez as “ hav [ing] fair skin, green

eye s , blonde hair, and [being] heavyset. ”7

communicat ion with the insurance companies in regard

to [the] accident and civil complaint and default judgment” ( c apitalization omitted) and how Barajas could reasonably claim
he did not receive case

- related documents mailed to what he acknowledged was his residence at the time

, particularly when
he had received the DMV notice in the mail

.

a. Supplemental evidence regarding mail issues In his supplemental declaration, Barajas stated that “[e]ach apartment in the [Parthenia apartment ] building
had its own mailbox, accessible with a key

. [¶]

. . . A round the
time the s ummons and c omplaint were reportedly mailed

. . . and around the time the r equest for e ntry of d efault was reportedly mailed

. . . [Baraja s and Perez] frequently found [their] mailbox and other mailboxes on the property belonging

to other apartments unlocked and open. [ ¶ ]

. . . [They] brought this up to the property manager, . . . [wh o ] would blame the
mail carrier for the issue. [ ¶ ]

. . . As a result of [his] mailbox frequently not being secure, [Baraja s ] believe[d] that others
could access [his] mail around the time that the s ummon s and c omplaint and r equest for e ntry of d efault were mailed.” (Capitalization omitted.) Barajas further clarified that he had received the DMV suspension notice at a n address other than the Parthen ia Street apartment

— namely, a Bradley Ave nue address in Sylmar
reflected on the DMV notice as well. Barajas further declared that, although he “ did not call the c ourt after receiving the [DMV notice,]” he “ did call the DMV

. . . and [his] insurance agent, Joel Velasquez

- Hernandez. [His] understanding of [his] conversation
with

. . . Velasquez

- Hernandez was that after 2 years the8

information regarding this case had been erased, and there was
no further action to take. ” (Capitalization omitted.)

b. Supplemental evidence regarding communications with insurance carriers Both parties offered supplemental declarations with
information relevant to communications with the parties’ respective insurance c arr i er s: Farmers Insurance (Farmers),
which c o vered both Perez and Barajas, and AFA Insurance,
which covered Sandoval. Barajas offered a declaration of Charlene Poon, the
Farmers adjuster handling claims related to the instant matter.
Poon ’s declaration describes and attaches several written
communications in 2016 and 2017 that appear to confirm that
the claims related to the collision had been resolved

. Namely, “Farmers wrote a [December 9, 2016] letter to

. . . Perez, indicating that a final settlement had been reache d with AFA
Claim Services” and that AFA had “accepted 100 [percent] liability on [Sandoval’s] behalf

. ” “On January 10, 2017,
Farmers

. . . sent

. . . AFA

. . . a letter enclosing the property damage release executed by

. . . Perez for the amount of $7,664.29 to be paid to” Farmers/Perez. “ [ I ] n addition to the property damage claims paid

. . . AFA

. . . paid a personal injury settlement of $12,000 .00 to

. . . Barajas on April 19,
2017 regarding the subject incident” and “paid

. . . Sandoval $18,676.23 f

o r a property damage claim after the subject
incident.” A supplemental declaration of Sandoval’s counsel states
AFA refused to cooperate with counsel’s extensive efforts in 2016, 2017, and 2018 to clarify the basis for AFA’s liability
determination and AFA’s apparent lack of investigation9

preceding it. “ AFA had never contacted [Sandoval’s counsel]

to take Sandoval’s statement and there was no witness other than the drivers,

. . . [¶] . . . [t] here was no police report for the subject accident. ” Sandoval’s counsel describes her numerous efforts to “ dispute [AFA’s] accepting liability on behalf of [Sandoval] without taking any statements or conducting any investigation ,” and AFA’s failure to respond to her inquiries and requests and refusal to produce the claim file

. O ne document attached to Sandoval counsel’s declaration suggests AFA’s acceptance of liability on Sandoval’s behalf might have been based on some confusion on the insurer’s part. Namely, a January 9, 2017 letter from AFA to Sandoval’s counsel declining to reconsider AFA’s liability determination refers to
the claimant as “Catalina Montoya,” although, by all accounts,

no one by that name was involved in the collision. The letter otherwise appears to be referring to the Sandoval

- Barajas collision, in that i t includes the date of that collision, applicable claim number, and other details of the accident

— for example,
the street name and the direction in which Sandoval was traveling. Also in this letter, AFA states that the collision was “initially reported to us by Steve Franquez” who “reported that [Jamie] Sandoval was turning out of [ a ] parking space on the street and attempted to make a U

- t urn [,] causing the collision.”

D

. The Challenged Order After argument the court took the matter under
submission. In a December 8, 2022 order, th e court granted Barajas’s motion to set aside

. The court explained its decision
in a written ruling

.10 1. Evidentiary r ulings

T wo of the court’s rulings on evidentiary objections form
the basis for one of Sandoval’s arguments on appeal. Namely,
the court sustained Sandoval’s objections to Barajas’s declared description of the accident and his “information and b elie f ”
statement that Sandoval’ s insurance had determined Sandoval
was at fault. Sandoval object ed on th e bases that (1) the testimony constitutes an “ [ i ] mproper legal conclusion as

to stating [Sandoval] was driving ‘ negligently ’ ” and as to stating
Sandoval had been deeme d to be “at fault”; (2) it is speculative and improper “ [ t ] o the extent the testimony is lay opinion”; (3) it is argumentative; and (4) it misstates the evidence. The court’s order does not specify why the court sustai ned Sandoval’s objections to this testimony.

2. Ruling g ranting m otion to s et a side The court granted Barajas’s motion to set aside on the equitable ground of extrinsic mistake. The court’s written ruling explained why the court had rejected several other bases for relief proffered by Barajas. 3 Namely, the court concluded the judgment

was not void on its face, because Sandoval ’s proof of service

was valid on its face. Second, the court concluded the judgment
could not be set aside pursuant to Code of Civil Procedure
section 473.5 4 for lack of actual notice because the two

- year jurisdictional time limit for seeking relief under that section had

3 In so doing, the court made some findings potentially relevant to the issues raised on appeal. We therefore summarize the court’s reasoning in rejecting these arguments.

4 All further statutory references are to the Code of Civil Procedure.11

passed. Finally, the court rejected Barajas’s argument that
the judgment should be set aside because of extrinsic fraud.
The c ourt f

ound the declaration of the registered process serv er
to be credible

, and that the declaration “ establishe [d] more likely than not that the person identifying herself as ‘ Maria ’ was a competent member of the household ” in that she was “ an adult over 18 who appear [ed] to be a co

- occupant of a residence, [but]
refuse [d] to provide a name .” (See § 415.20.) “ In addition, the

c o urt accept [ed] as credible that the documents were mailed

to [Barajas] as noted in the p roof of s ervice. ” (Capitalization omitted.) On these bases, the court concluded no t only that Barajas had failed to establish extrinsic fraud regarding the proof of service, but that none had occurred. The court, however, did find that Barajas was entitle d

to equitable relief b ased on extrinsic mistake : namely, he had
made out “ ‘ a meritorious case

, ’ ” “ ‘ a satisfactory excuse for

not presenting a defense to the original action

, ’ ” and “ ‘ diligence
in seeking to set aside the default once

. . . discovered. ’ ” (Capitalization omitted.) As to the first requirement, the court concluded that Barajas had “ declared that [Sandoval] made an illegal U

- t urn that caused the accident” and that “[Sandoval’s]
own carrier

. . . received corroborating information [to this effect] from an independent third party, Mr. Franquez.” (Capitalization omitted.) The court further found that both Barajas’s failure

to respond to the initial complaint and notices of default and Barajas’s delay in seeking to set aside the default and/or default judgment were attributable to negligence on the part of Barajas’ s insurance carrier. “ In sum, o n this record, [the court concluded] it would be unjust to allow a [default] judgment [ and the underlying default ] to stand against [Barajas] because of [his]12

insurance carrier’s repeated breach of its duty to promptly defend [him ] .” Sandoval timely appealed the court’s order.

DISCUSSION

“ A motion to set aside a default judgment [and the underlying default] is addressed to the sound discretion of the trial court, and, in the absence of a clear showing of abuse of discretion where the trial court grants the motion, the appellate
court will not disturb the order. ” ( Weitz v. Yankosky (1966)
63 Cal.2d 849, 854 ( Weitz ).) “It is the policy of the law to favor, wherever possible, a hearing on the merits.” ( Ibid. ) Nevertheless, “ [w] hen a default judgment has been obtained, equitable relief [therefrom] may be given only in exceptiona l
circumstances

. ” ( Rappleyea v. Campbell (1994) 8 Cal.4th 975, 981 ( Rappl eyea ) , italics omitted .) Such circumstances may
exist as a result of “extrinsic mistake

— a term broadly applied when circumstances extrinsic to the litigation have unfairly

cost a party a hearing on the merits.” ( I bid .) Thus, a “stringent
three

- prong test” applies when a defendant seek s relief from

a default and default judgment on this basis . ( Id. at p. 982.)

“ ‘ First, the defaulted party must demonstrate that it has a
meritorious case. Second[ ], the party seeking to set aside

. . . must articulate a satisfactory excuse for not presenting a defense to the original action. Last[ ], the

. . . party must demonstrate diligence in seeking to set aside the default once

. . . discovered. ’ [Citation].” ( Ibid

. ) Sandoval argues the court ’s ruling that Barajas had
satisfied these elements was in consistent with “ ‘ the applicable principles of law

, ’ ” and thus the court abused its discretion in setting aside the default and default judgment

. ( Horsford v.13

Board of Trustees of Calif ornia State Univ ersity (2005) 132 Cal.App.4th 359, 393 ; see ibid

. [ “ ‘ [a] ction that transgresses the confines of the applicable principles of law is outside the scope
of discretion and we call such action an “ abuse ” of discretion ’ ” ].) We disagree and address each requirement below.

A

. Meritorious Defense Requirement Sandoval argu es that , in assessing whether Barajas had

a meritorious defense, the court improperly relied on evidence
it had excluded

— namely, the Barajas declaration’s description
of Sandoval making “an illegal U

- t urn,” to which the court
had sustained Sandoval’s objection. (Capitalization omitted.)
But other evidence

— including the determination by Sandoval’s
insurer of his liab i lity

— also support that Barajas had a meritorious defense

. Thus, even if the court relied in part on inadmissible evidence in co ncluding Barajas had established

a meritorious case, 5 we cannot say this renders the court’s conclusion an abuse of discretion, given the other evidence supporting that same conclusion

. ( See Montenegro v. Diaz (2001) 26 Cal.4th 249, 255 ( Montenegro ) [in reviewing for abuse of discretion, “we must uphold the trial court ‘ruling if it is correct on any basis, regardless of whether such basis was actually
invoked’ ”].)
Sandoval next argue s the claimed other evidence
is insufficient to satisfy th e meritorious defense element

, noting, for example, the lack of a declaration from the witness

5 A lthough it is not clear that the court meant to exclude all parts of Barajas’s declaration describing the accident

, even if we exclude it all , sufficient other evidence supporte d the meritorious defense element , as discussed above

.14

(Franquez) referenced in his insurer’s report. This argument challenges the adequacy of the evidence to prove f ault or liability

, which was not the issue before the court. T he court needed only

to determine whether Barajas had a colorable response to the allegat i ons in the complain t

. ( See Weitz, supra , 63 Cal.2d at

p. 854 [“appellate courts are much more disposed to affirm an order where the result is to compel a trial upon the merits than they are when the judgment by default is allowed to stand and
it appears that a substantial defense could be made”].) For this reason, courts have accepted far less than evidence proving a defense to satisfy the meritorious defense element. ( See Stiles v.
Wallis (1983) 147 Cal.App.3d 1143, 1148 ( Stiles ) [“ merely attaching a verification to a proposed answer is sufficient to
demonstrate meritoriousness ” ]; Rappleyea, supra

, 8 Cal.4th at

p. 983 [unverified answer combine d with declaration of “ lawyer
who informally aided defendants

. . . that he believed ‘ these
d efendants have a very good (and certainly a justiciable) defense
to the p laintif

f ’ s claim ’ ” sufficient] , capitalization omitted .) The

cou rt did not abuse its discretion in finding Barajas had satisfied
this element.

B

. Excused Failure to Respond in Litigation Requirement Sandoval argues that “the superior court made precisely

zero findings [as to] . . . Barajas’ [s] diligence prior to the entry
of his default, even after finding that he was duly served with process” (italics omitted), and that “the trial court’s finding was solely that

. . . Barajas’ [ s ] purported reliance on his insurance

company after the default judgment was entered

, was an excusable mistake.” As a preliminary matter, t his is not an accurate characterization of the court’s ruling. Rather, the15

court concluded that both “the delay in presenting a satisfactory
defense and in promptly seeking relief [was] attributable to [Barajas’s] insurance carrier.” ( Italics added.) Moreover, the court did not abuse its discretion in concluding Barajas had been diligen t

. First, a lthough the court
failed to make an express finding that Barajas did not receive
the summons and complaint and the request for default, we may infer from the court’s ruling an implicit finding to this effect. At the initial motion hearing, the court expressed skepticism that Barajas did not receive notice of the litigation before entry of
the default and/or default judgment, but then expressed no such

concern s after receiving supplemental evidence regarding the unreliability of Barajas’s mailbox. From this and the court’s overall ruling, we may imply the court found Barajas did not receive these documents. In reviewing for an abuse of discretion,

we “ indulge all legitimate and reasonable inferences in favor of upholding the trial court’s findings ” ( Bookout v. Nielsen (2007) 155 Cal.App.4th 1131, 1137

– 1138) and may affirm on any basis reasonably supported by the evidence. ( Montenegro

, supra , 26 Cal.4th at p. 255.)
Such a n implicit finding is also supported by the evidence.
T he court could have deemed credible Barajas’s uncontradicted
declaration that he never received the litigation documents
mailed to him, and the declarations supporting that Perez was not the “Maria ‘Doe’ ” who accept ed service of the summons
and complaint

. Such findings are not in tension with the court’s conclusion that the complaint’s proof of service was not fraudulent, and that service was proper. This is because, i n order
for the substitut ed service on Barajas via Maria Doe to be proper,
Maria Doe needed only to appear to be a member of Barajas’s16

household

— which could be true, even if she was not a member
of the household

. And if one accepts Barajas’s supplemental
declaration that others could and did access his mail box at the Parthenia Street apartment, often leaving it open, Barajas

may not have received the litigation documents that the proofs
of service stated were mailed to him, despite, as the court found, those proofs of service being truthful

. Second, Barajas could reasonably have relied on his insurer’s representations in 2016 and 2017 that Sandoval’s insurance carrier had accepted full responsibility for the accident if, as we conclude the court implicitly found, Barajas was
unaware at the time that S andoval had sued him in connection
with the accident . As a result, the court could have accepted
that Barajas reasonably believed that any dispute regarding
the collision had been r esolved by his insurer’s settlement with Sandoval’s insurer . Inde ed, there is evidence suggesting AFA (Sandoval’s insurer ) made a payment to Barajas as a result of a
settlement

. Our state S upreme C ourt has held that reasonable reliance on a third party, including an insurer, to protect one’s interest in a dispute can excuse a failure to respond to litigation which results in a default and default judgment . (See Weitz

, supra, 63 Cal.2d at pp. 855

– 856.) That is what the trial court’s decision impliedly found and what distinguishes the instant
matter from the cases on which Sandoval relies

. In the cases
Sandoval cites

, the defendant s provided either no excuse at all, or no reasonable excuse. (See, e.g., Sporn v. Home Depot USA, Inc. (2005) 126 Cal.App.4th 1294, 1301 [“ [T] here is no statement that the papers were lost, stolen, forwarded to the wrong person, or eaten by the dog. Nothing in the record discloses what caus ed
defendant to ignore the summons and complaint, [or] the letter17

from plaintif

f ’ s lawyer

. . . . No excuse, satisfactory or otherwise,

was presented”] ; Stiles, supra , 147 Cal.App.3d at p. 1148 [defendant seeking to set aside “flagrantly ignore [d] the responsibility to present a defense” and failed to “demonstrate

a satisfactory excuse for not responding to the original action
in a timely manner” ].)

C

. Diligence in S eeking R elief

W hether a defendant was sufficiently diligent in seeking
relief from a default and/or default judgment “ ‘ de pends upon the circumstances of that particular case’ ” ( Benjamin v. Dalmo Mfg.
Co. (1948) 31 Cal.2d 523, 528 ( Benjamin ) ), and “[w]hether a party has acted diligently is a factual question for the trial court” ( Huh v. Wang (2007) 158 Cal.App.4th 1406, 1420). “ [I]n ‘ t he determination of that question, a large discretion is necessarily confided to [the trial] court’ [citation], [but] there must be some showing

— some evidence

— as the basis for the exercise of such
discretion.” ( Benjamin, supra , at p. 528.) Here, the court attributed the delay between Barajas’s learning of the default / default judgment and the motion to

set aside to the negligence of Barajas’s insurance carrier , not

to any lack of diligence by Barajas

. The record supports this
attribution . The court implicitly found the DMV notice was the
first notice Barajas had received referencing a lawsuit. M ultiple
d eclarations establish ed that Barajas promptly reached out

to his insurer upon receiving the DMV notice . Given that
his insurer had previously informed him the matter had been
resolved via an insuranc e claim

— and that the notice was
from the DMV, not a court

— the court did not err in finding
that Barajas reasonably re lied on his in surer to address the problem brought to his attention by the notice . (See Weitz,18

supra , 63 Cal.2d at pp. 857

– 858 [ a defendant ’s “reli [ance] upon another interested party

. . . reasonably justified under the
circumstances ” is a factor “ in determining whether a delay in moving to set aside a default judgment is excusable”] .) Nor does
the record support that, after the DMV mailing, Barajas received any further communications suggesting that his insurer was
not, in fact, resolving the issue. ( See Cruz v. Fagor America,
Inc. (2007) 146 Cal.App.4th 488, 508 ( Cruz ) [“ [i] n cases in which
courts have found that a defendant ’ s reliance on a third party was reasonable, the defendant received no further information about the status of the litigation a fter submitting the complaint to the third party”].) Moreover, the court could have deemed credible and reasonable Barajas’ s declared testimony that he
considered the issue resolved after his insurer confirmed

— two years after an apparent insurance settlement

— that there was

no record of any litigation about the accident. But that Barajas acted reasonably in relying on his insurer to investigate and address the default judgment referenced in
the DMV notice does not end our inquiry as to diligence. At least two cases have held that, “in order to obtain relief from default, [such a defendant] must also establish justification for the inaction of the [insurance] carrier.” ( Scognamillo v. Herrick (2003) 106 Cal.App.4th 1139, 1149 ( Scognamillo )

, citing Don v.
Cruz (1982) 131 Cal.App.3d 695, 702.) This additional requirement is necessary because, under such circumstances,
the insurer is effectively the real party in interest, and may be
held accountable for it s lack of diligenc e . (See Scognamillo,

supra , at p. 1149; Don, supra , at p. 702.) T o do otherwise invites an insurer to “ ‘shield[ ] itself behind the blamelessness of its insured’ ” and thereby potentially “make[ ] a shambles of orderly19

procedure.” ( Scognamillo, supra , at p. 1149; see ibid. [“ ‘ “[w]hen inexcusable neglect is condoned even tacitly by the courts, they themselves unwittingly become instruments undermining the orderly process of the law” ’ ” ] .) Barajas failed to establish his insurer’s diligence below

— indeed, the court expressly found that Barajas’s ins u rer had “repeated[ly] breach[ed] . . . its duty to promptly defend [Barajas]

, ” a finding neither party challenges on appeal. “T he greater the prejudice to the plaintiff from vacating the default [,] the greater the burden on the defendant of proving diligence and
vice versa

. ” ( Falahati v. Kondo (2005) 127 Cal.App.4th 823, 833

– 834; see Rappleyea, supra , 8 Cal.4th at p. 984

. ) Here, setting aside the default would substantially prejudice Sandoval i n that
it would force him to try his case over eight years after the accident took place. G iven the substantial showing o f diligence needed to justify the prejudice to Sandoval from setting aside a

years

- old default judgment, Barajas, although “a blameless
insured [,] is to be charged with the inexcusable neglect of [his] insurer[ ]” for the purposes of the diligence element of extrinsic
mistake

. ( Scognamillo , supra, 106 Cal.App.4th at p. 1149.) Accordingly, the trial court abused its discretion in concluding Barajas had established diligence sufficient to permit the court to set aside the default and default judgment.20 DISPOSITION

The order is reversed

. The parties shall bear their own costs on appeal.

NOT TO BE PUBLISHED

.

R OTHSCHILD, P. J. We concur:

BENDIX , J.

WEINGART , J.