Case Name: David Chub vs. Electric Insurance Company
Court: Massachusetts Appeals Court
Jurisdiction: Massachusetts
Decision Date: 1983-11-01
Citations: 17 Mass. App. Ct. 61
Docket Number: 
Parties: David Chub vs. Electric Insurance Company.
Judges: 
Reporter: Massachusetts Appeals Court Reports
Volume: 17
Pages: 61–63

Head Matter:
David Chub vs. Electric Insurance Company.
Essex.
October 14, 1983.
— November 1, 1983.
Present: Grant, Perretta, & Smith, JJ.
James J. O’Malley, III, for the plaintiff.
D. Alice Olsen for the defendant.

Opinion:
Smith, J.
In his amended complaint the plaintiff sought recovery from the defendant under G. L. c. 93A, § 9, for alleged unfair claim settlement practices, see G. L. c. 176D, § 3(9), with respect to his claim for uninsured motorist benefits under motor vehicle liability policies issued by the defendant. After a hearing on a motion for summary judgment brought by the defendant under Mass.R.Civ.P. 56, 365 Mass. 824 (1974), a judge granted summary judgment dismissing the action, and the plaintiff has appealed.
A cause of action grounded on a supposed violation of G. L. c. 93A may be an appropriate matter for summary judgment, provided that there is no genuine issue of material fact, Lowell Gas Co. v. Attorney Gen., 377 Mass. 37, 39 n.l (1979), Noyes v. Quincy Mut. Fire Ins. Co., 7 Mass. App. Ct. 723, 725 (1979), or if the opposing party has not been adversely affected by a violation of G. L. c. 176D, § 3(9), Van Dyke v. St. Paul Fire & Marine Ins. Co., 388 Mass. 671, 678 (1983). In support of its motion, the defendant submitted the plaintiff s amended complaint, the defendant's answer, the plaintiffs answers to interrogatories, and the plaintiff s response to the defendant's request for admissions. In response, the plaintiff did not submit any affidavit or other documentation, and the record is silent on the question whether the motion judge's attention was directed by the plaintiff to any document previously filed in the case.
The record shows that the plaintiff, while driving his mother's car, was involved in a two-car accident in which he suffered injuries. The liability insurer of the other automobile initially refused coverage and the plaintiff sought recovery from the defendant, which had issued policies to the plaintiff's parents. Those policies contained uninsured motorist coverage. The plaintiff claims that the defendant violated G. L. c. 176D, § 3(9)(f), inserted by St. 1972, c. 543, § 1, which states that it is an unfair claim settlement practice for an insurance company to fail to "effectuate prompt, fair and equitable settlements of claims in which liability has become reasonably clear." In his answers to the defendant's interrogatories, the plaintiff stated that the defendant was "extremely slow in evaluating case and making an offer once it finally conceded there was coverage." The plaintiff also stated that the defendant's settlement offer was "extremely low." In the same answer, the plaintiff states that he obtained a settlement of $16,500 from the liability insurer which had initially denied coverage. The plaintiff does not show in this record that he sustained any injury, suffered any damages in excess of the $16,500 he ul timately received from the tortfeasor's insurer, or was otherwise harmed by the defendant. The omission is of critical importance because, even if the defendant had violated G. L. c. 176D, § 3 (9) (f), a point we do not reach, the plaintiff "had to be adversely affected by that violation in order to be entitled to recover under G. L. c. 93A, § 9." Van Dyke v. St. Paul Fire & Marine Ins. Co., supra. The plaintiff's counsel claimed at oral argument that he brought to the motion judge's attention the plaintiffs further answers to the defendant's interrogatories wherein he had outlined damages that he had suffered as a result of the defendant's unfair claim settlement practices. Those answers have not been reproduced by the plaintiff in the appendix; Mass. R.A.P. 18(a), as appearing in 378 Mass. 924, 940 (1979). Kunen v. First Agricultural Natl. Bank, 6 Mass. App. Ct. 684, 688-689 (1978). There was no attempt by the plaintiffs counsel under Mass.R.A.P. 8(c), as appearing in 378 Mass. 924, 933 (1979), to furnish a statement agreed to by the defendant and approved by the motion judge as to whether the further answers to interrogatories were brought to the attention of the judge during the proceedings below. Therefore, on the record before us, we conclude that the summary judgment was properly granted.
Judgment affirmed.
The defendant's motion, reproduced in the record appendix, specifically referred to these documents.
Both parties agree that the denial of coverage by the liability insurer of the other automobile rendered that automobile uninsured for purposes of the defendant's policies.
At the argument before us, the plaintiffs counsel identified the damages now claimed as the counsel fees that the plaintiff incurred in obtaining monetary damages from the insurer of the other automobile.