Court Opinion

ID: 2704748
Source: CourtListenerOpinion
Date Created: 2014-08-04 20:30:51.546281+00
Date Added: 2024-06-11T12:57:37.860734
License: Public Domain

[Cite as Sanders v. Nationwide Mut. Ins. Co., 2011-Ohio-1933.]

         Court of Appeals of Ohio
                                EIGHTH APPELLATE DISTRICT
                                   COUNTY OF CUYAHOGA

                             JOURNAL ENTRY AND OPINION
                                      No. 95228

                              SANDRA A. SANDERS
                                                  PLAINTIFF-APPELLANT

                                                     vs.

                  NATIONWIDE MUTUAL INS. CO.
                                                  DEFENDANT-APPELLEE

                     JUDGMENT:
       AFFIRMED IN PART, REVERSED IN PART, AND
                     REMANDED

                                  Civil Appeal from the
                         Cuyahoga County Court of Common Pleas
                                  Case No. CV-693116

        BEFORE:            Sweeney, J., Boyle, P.J., and Celebrezze, J.
        RELEASED AND JOURNALIZED:                       April 21, 2011

ATTORNEYS FOR APPELLANT

Timothy A. Shimko, Esq.
Timothy A. Shimko & Associates
2010 Huntington Building
925 Euclid Avenue
Cleveland, Ohio 44115

Robert L. Tucker, Esq.
Hanna, Campbell & Powell, L.L.P.
3737 Embassy Parkway
P.O. Box 5521
Akron, Ohio 44334

ATTORNEY FOR APPELLEE

Gregory E. O’Brien, Esq.
Cavitch, Familo & Durkin Co., L.P.A.
Twentieth Floor
1300 East Ninth Street
Cleveland, Ohio 44114

JAMES J. SWEENEY, J.:

        {¶ 1} Plaintiff-appellant Sandra A. Sanders (“plaintiff”) appeals the trial court’s

denial of her motion for partial summary judgment and the court’s granting defendant-appellee

Nationwide Mutual Insurance Company’s (“Nationwide”) summary judgment motion.           After

reviewing the facts of the case and pertinent law, we affirm in part and reverse and remand in

part.
       {¶ 2} On October 29, 2006, plaintiff’s home was destroyed by a fire.              Plaintiff

submitted a claim to Nationwide, who insured the home at the time.           Nationwide       made

various payments on the claim and began an investigation into the fire. The investigation

concluded that plaintiff’s 17-year-old son, W.S., intentionally set the fire in plaintiff’s house.

On July 24, 2007, Nationwide notified plaintiff that it was denying coverage of the claim,

stating its reason for the denial as follows:

       {¶ 3} “[W]e have concluded that the fire was caused intentionally by or at the

direction of an insured and that the damage could reasonably have been expected to result

from an insured’s acts, or was the intended result from such acts, including criminal acts.

       {¶ 4} “Your Nationwide homeowner’s policy form HO-34A states on page D1 as

follows:

       {¶ 5} “Property Exclusions

       {¶ 6} “(Section I)

       {¶ 7} “1.     We do not cover loss to any property resulting directly or indirectly from

any of the following.     Such a loss is excluded even if another peril or event contributed

concurrently or in any sequence to cause the loss.

       {¶ 8} “* * *

       {¶ 9} “g) Intentional Acts, meaning loss resulting from an act committed by or at the

direction of an insured that may reasonably be expected to result from such acts, or is the
intended result from such acts.    Intentional acts include criminal acts.   Such acts exclude

coverage for all insureds.”

       {¶ 10} On May 19, 2009, plaintiff filed a complaint against Nationwide, alleging

breach of contract and “bad faith tort.”   On May 19, 2010, the trial court denied plaintiff’s

motion for partial summary judgment and granted Nationwide’s motion for summary

judgment.

       {¶ 11} Plaintiff appeals and raises six assignments of error for our review.

       {¶ 12} Appellate review of summary judgment is de novo. Grafton v. Ohio Edison Co.

(1996), 77 Ohio St.3d 102, 105, 671 N.E.2d 241. The Ohio Supreme Court stated the

appropriate test in Zivich v. Mentor Soccer Club (1998), 82 Ohio St.3d 367, 369-370, 696

N.E.2d 201, as follows:

       {¶ 13} “Pursuant to Civ.R. 56, summary judgment is appropriate when (1) there is no

genuine issue of material fact, (2) the moving party is entitled to judgment as a matter of law,

and (3) reasonable minds can come to but one conclusion and that conclusion is adverse to the

nonmoving party, said party being entitled to have the evidence construed most strongly in his

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

paragraph three of the syllabus. The party moving for summary judgment bears the burden of

showing that there is no genuine issue of material fact and that it is entitled to judgment as a

matter of law. Dresher v. Burt (1996), 75 Ohio St.3d 280, 292-293, 662 N.E.2d 264, 273-274.”
       {¶ 14} Plaintiff’s first assignment of error states as follows:

       {¶ 15} “I.   The trial court erred in denying plaintiff Sandra A. Sanders’ motion for

partial summary judgment because, under Safeco Ins. Co. v. White (2009), 122 Ohio St.3d

562, she was an ‘innocent co-insured’ entitled to coverage under the Nationwide policy.”

       {¶ 16} “‘[A]n insurance company is under no obligation to its insured’ to cover a loss

unless it ‘falls within the coverage of the policy * * * and not within an exception thereto.’

Homeowners’ insurance policies typically provide coverage for harm accidentally caused by

their insureds; intentional torts are excluded. Most policies contain an intentional-act

exclusion, which states that the insurance company will not be liable for harm intentionally

caused by the insured.”     (Internal citations omitted). Allstate Ins. Co. v. Campbell, 128

Ohio St.3d 186, 2010-Ohio-6312, 942 N.E.2d 1090, ¶1, 2.

       {¶ 17} In Safeco v. White, 17-year-old Benjamin White pled guilty to attempted

murder and felonious assault after stabbing Casey Hilmer.      Hilmer sued Benjamin for battery

and his parents, the Whites, for negligent supervision and entrustment.   A jury found in favor

of Hilmer against Benjamin and the Whites.      The Whites had homeowner’s insurance, as well

as a separate umbrella liability policy, with Safeco.     Benjamin was an insured under both

policies.   An exclusion from coverage for intentional and illegal acts clearly applied to

Benjamin’s stabbing Hilmer.       However, Safeco also denied coverage for the negligence

based claims against the Whites, arguing that it had “no obligation to defend or indemnify the
Whites in relation to claims arising out of their son’s intentional act.”   Safeco Ins. Co. of Am.

v. White, 122 Ohio St.3d 562, 2009-Ohio-3718, 913 N.E.2d 426, ¶9.

       {¶ 18} The Ohio Supreme Court found that the following question ultimately

controlled the case: “Do policy exclusions that preclude coverage for the intentional and/or

illegal acts of an insured also preclude coverage for related negligent acts of other insureds?”

Id. at ¶29.    The Court answered the question in the negative, focusing on whether the

negligent acts proximately caused injuries separate and distinct from the intentional acts.       Id.

at ¶36-38.

       {¶ 19} The instant case is easily distinguished from Safeco, however, because the

coverage being sought here does not stem from the negligent actions of an insured, arising

from the intentional act of another insured, for the benefit of a third party.   Rather, plaintiff is

seeking coverage for damages caused by the intentional actions of one insured for the benefit

of herself, another insured.   There is no allegation of negligence, and nothing in the record

shows damage caused by anything other than W.S. setting the house on fire.                See, also,

Bocook v. Sand & Beaver Valley Farmers Mut. Ins. Co., Highland App. No. 02CA4,

2002-Ohio-6307, ¶12 (precluding insurance coverage for damages caused by the plaintiff’s

children setting the house on fire because the policy clearly and unambiguously excluded

“coverage for losses caused by the intentional acts of an insured”).
       {¶ 20} Accordingly, the Ohio Supreme Court’s holding in Safeco is inapplicable to the

case at hand.    The trial court did not err in denying plaintiff’s partial summary judgment

motion, and her first assignment of error is overruled.

       {¶ 21} In plaintiff’s second assignment of error, she argues as follows:

       {¶ 22} “II.    The trial court erred in granting Nationwide’s motion for summary

judgment — and erred in denying Plaintiff Sandra A. Sanders’ cross-motion for partial

summary judgment — because W.S. Sanders’ adjudication of juvenile delinquency was

inadmissible and could not properly be considered to establish intent for summary judgment

purposes.”

       {¶ 23} Generally, criminal convictions are admissible to prove that an insured acted

intentionally.   See Evid.R. 803(22).     In the instant case, however, W.S. was not an adult

“convicted” in the criminal justice system.       W.S. admitted in juvenile court to attempted

aggravated arson in violation of R.C. 2909.02(A)(2), which states that “[n]o person, by means

of fire * * * shall knowingly * * * [c]ause physical harm to any occupied structure * * *,” and

R.C. 2923.02, which defines attempt as “purposely or knowingly * * * engag[ing] in conduct

that, if successful, would constitute or result in the offense.”

       {¶ 24} Plaintiff argues that W.S.’s adjudication of juvenile delinquency was

inadmissible to show his intent pursuant to Juv.R. 37(B), which states as follows: “No public

use shall be made by any person, including a party, of any juvenile court record, including the
recording or a transcript of any juvenile court hearing, except in the course of an appeal or as

authorized by order of the court or by statute.”    The Ohio Supreme Court has held that the

“purpose of Juv.R. 37(B) is to keep confidential juvenile court records involving children,

since their welfare is at stake.”   State ex rel. Scripps Howard Broadcasting Co. v. Cuyahoga

Cty. Court of Common Pleas, Juv. Div. (1995), 73 Ohio St.3d 19, 22, 652 N.E.2d 179.

Juv.R. 37(B) is to be balanced or “construed consistently with the constitutional right of public

access * * *.”   Id.

       {¶ 25} Nationwide sought to admit W.S.’s juvenile court adjudication as evidence that

W.S. intended to set plaintiff’s house on fire, which is directly related to the ultimate issue of

insurance coverage.    Nationwide     argues that the “admissibility of evidence of a juvenile

adjudication is controlled by R.C. 2151.357(H).”     However, R.C. 2151.357 does not apply to

the instant case; rather, it governs the effect of sealing juvenile records, and there is no

evidence that W.S.’s delinquency record was sealed pursuant to R.C. 2151.356.        See State v.

Collins, Cuyahoga App. No. 89529, 2008-Ohio-578 (holding that “where the child has been

adjudicated, the records are sealed only upon motion and hearing”).

       {¶ 26} Nonetheless, R.C. 2151.357(H) stands for the proposition that if a juvenile

record is sealed, it is inadmissible to impeach the juvenile in court.         Otherwise, sealed

juvenile records are “admissible as evidence for or against the child in any action or
proceeding in any court * * *.”        R.C. 2151.357(H).     Compare with Evid.R. 609(A), which

states that evidence of certain adult convictions is generally admissible to impeach a witness.

       {¶ 27} With this guidance in mind, we find that W.S.’s juvenile adjudication of

attempted arson was admissible to show his intent.         See Black v. Richards, Perry App. Nos.

08 CA 19, 09 CA 4, 09 CA 12, and 09 CA 13, 2010-Ohio-2938 (holding that the insured’s

adjudication of delinquency after admitting to “complicity to engage in arson * * * is

sufficient to trigger the intentional acts exclusion” under the insurance policy); Horace Mann

Cos. v. Harris (Aug. 11, 1997), Madison App. No. CA96-11-051 (holding that “[a]n insurer

may avoid providing coverage or a defense for a juvenile insured where the insurer establishes

that the juvenile insured has been adjudicated delinquent”); Michigan Millers Ins. Co. v.

Anspach (1996), 109 Ohio App.3d 618, 621, 672 N.E.2d 1042 (analyzing whether an

insurance company “had a duty to defend and indemnify” an insured who “was tried in

juvenile court and found delinquent by reason of having committed the offense of involuntary

manslaughter”).

       {¶ 28} Plaintiff’s second assignment of error is overruled.

       {¶ 29} Plaintiff’s third, fourth, and fifth assignments of error will be addressed

together, and they state as follows:

       {¶ 30} “III.   The trial court erred in granting Nationwide’s motion for summary

judgment because, even if admissible, [W.S.’s] adjudication of juvenile delinquency was at
most some evidence of his intent, which could be and was opposed by countervailing

evidence, thereby creating a genuine issue of material fact.”

       {¶ 31} “IV.      The trial court erred in granting Nationwide’s motion for summary

judgment because W.S. Sanders’ adjudication of juvenile delinquency was not binding on

Sandra A. Sanders, who was not a party to that juvenile proceeding.”

       {¶ 32} “V.      The trial court erred in granting Nationwide’s motion for summary

judgment because W.S. Sanders’ adjudication of juvenile delinquency did not trigger the

‘criminal act’ portion of the Nationwide exclusion.”

       {¶ 33} In Physicians Ins. Co. of Ohio v. Swanson (1991), 58 Ohio St.3d 189, 193, 569

N.E.2d 906, the Ohio Supreme Court held that “to avoid coverage on the basis of an exclusion

for expected or intentional injuries, the insurer must demonstrate that the injury itself was

expected or intended.    It is not sufficient to show merely that the act was intentional.”

       {¶ 34} However, the Ohio Supreme Court has held that an intentional act exclusion to

insurance coverage will not apply “where the insured was mentally incapable of committing

an intentional act.”    Nationwide Ins. Co. v. Estate of Kollstedt (1995), 71 Ohio St.3d 624,

627, 646 N.E.2d 816.

       {¶ 35} The Kollstedt Court adopted this court’s definition of insanity “within the

context of an intentional-injury-exclusion clause in an insurance contract: * * * an act of an

individual cannot be treated as ‘intentional’ if the insured was suffering from a derangement of
his intellect which deprived him of the capacity to govern his conduct in accordance with

reason.”     Kollstedt, at 626-627 (quoting Nationwide Mut. Fire Ins. Co. v. Turner (1986), 29

Ohio App.3d 73, 76, 503 N.E.2d 212).

          {¶ 36} Turner was based on a wrongful death action stemming from a murder-suicide,

in which the insurance company sought an exclusion from coverage under an intentional acts

theory.     This court held that the trial court erred in granting summary judgment for the

insurance company because “[w]hether the insured was in fact insane is a question of fact for

the trier of fact * * *.”    Turner, 29 Ohio App.3d at 77.   Cf. Kollstedt, 71 Ohio St.3d at 627

(holding that in a declaratory judgment action, the court acts as the finder of fact, and “[w]hen

disputed, the determination whether an insured lacked the mental capacity to commit an

intentional act is a matter to be determined, in the first instance, by a trial court, and such

determination is to be made by the trial court on the basis of the evidence”).

          {¶ 37} In general, collateral estoppel may preclude relitigation of an issue that was

determined in a prior judgment, if the party asserting collateral estoppel shows the following:

          {¶ 38} “(1) The party against whom estoppel is sought was a party or in privity with a

party to the prior action;

          {¶ 39} “(2) There was a final judgment on the merits in the previous case after a full

and fair opportunity to litigate the issue;
       {¶ 40} “(3) The issue must have been admitted or actually tried and decided and must

be necessary to the final judgment; and

       {¶ 41} “(4) The issue must have been identical to the issue involved in the prior suit.”

       {¶ 42} Miller v. Coldwell Banker Hunter Realty, Cuyahoga App. Nos. 93529 and

93662, 2010-Ohio-5840, ¶23-27, (quoting Monahan v. Eagle Picher Industries, Inc. (1984),

21 Ohio App.3d 179, 180, 486 N.E.2d 1165.       The Ohio Supreme Court has held that, to have

a preclusive effect, “[i]t is readily apparent that a prior judgment * * * must involve the same

issues, and the same parties as the later proceeding.”    Quality Ready Mix, Inc. v. Mamone

(1988), 35 Ohio St.3d 224, 227, 520 N.E.2d 193.

       {¶ 43} This court has used collateral estoppel to find that a “criminal conviction is

conclusive proof and operates as an estoppel on defendants as to the facts supporting the

conviction in a subsequent civil action.”       Wloszek v. Weston, Hurd, Fallon, Paisley &

Howley, Cuyahoga App. No. 82412, 2004-Ohio-146, ¶40.

       {¶ 44} In the instant case, Nationwide is seeking estoppel against W.S., who is not a

party to this case.   Furthermore, the Ohio Supreme Court rejected the definition of insanity

used in criminal proceedings in favor of this court’s definition of insanity from Turner, supra,

in “the context of an intentional-injury-exclusion clause in an insurance contract * * *.”

State v. Kollstedt, 71 Ohio St.3d at 626-627.    In other words, the standard used to determine

whether a criminal defendant was capable of forming the requisite intent to commit a crime is
different than the standard used to determine whether an insured lacked the mental capacity to

commit an intentional act.    Therefore, we find that the issue of W.S.’s intent, in the context

of an insured’s actions, has never been litigated, and the doctrine of collateral estoppel is not

applicable to the instant case.

       {¶ 45} Notwithstanding     collateral   estoppel,   Nationwide       argues     that   criminal

convictions containing an “intent” element establish “beyond dispute * * * the applicability of

an insurance policy’s ‘intentional act’ exclusion” pursuant to Preferred Risk Ins. Co. v. Gill

(1987), 30 Ohio St.3d 108, 507 N.E.2d 1118.         However, we find this to be too broad a

reading of Gill.

       {¶ 46} In Gill, the Ohio Supreme Court overruled its prior decision in Transamerica

Ins. Co. v. Taylor (1986), 28 Ohio St.3d 312, 504 N.E.2d 15, and held that certain insurance

disputes are properly decided in a declaratory judgment action. Gill, 30 Ohio St.3d at 112.

The Gill Court then concluded that the insurance company had no duty to defend its insured in

a wrongful death claim after the insured was convicted of aggravated murder. Gill, however,

was decided on the facts of that particular case, “where the conduct which prompted the

underlying wrongful death suit is so indisputably outside coverage * * *.”           Id. at 113.   The

Court declined to definitively address the issue, stating “[w]e express no opinion on the merits

of [Transamerica], including whether the insured’s conviction of involuntary manslaughter,

without more, constitutes proof of an intentional act.”    Id. at fn. 5.   See, also, Cincinnati Ins.
Co. v. Colelli & Asoc., Inc., 95 Ohio St.3d 325, 326, 2002-Ohio-2214, 767 N.E.2d 717

(reversing a judgment because “[t]he holding in [Gill] is limited to its facts”).

       {¶ 47} This court, in Nationwide Mut. Ins. Co. v. Machniak (1991), 74 Ohio App.3d

638, 641, 600 N.E.2d 266, held that, although admissible, a “felonious assault conviction does

not affirmatively establish an intent to harm,” because the mens rea under R.C. 2903.11 — the

statute governing felonious assault — is “knowingly” rather than “purposely.”

       {¶ 48} In the instant case, on May 19, 2010, the court granted Nationwide’s summary

judgment motion, relying on State Farm Fire and Cas. Co. v. Harpster, Cuyahoga App. No.

90012, 2008-Ohio-3357.      In Harpster, the insured pled guilty to aggravated assault, and State

Farm used this conviction to deny coverage.          The insured “submitted an affidavit that

essentially recanted his earlier admissions of wrongdoing * * *.”       This court found that the

self-serving affidavit “did not give rise to a triable issue of fact,” and concluded that “the

evidentiary materials submitted by State Farm more than adequately demonstrate an absence

of genuine issues of material fact regarding whether Michael Harpster’s conduct could be

deemed accidental for purposes of insurance coverage, and whether he expected or intended

bodily injury.”   Id. at ¶47, 51.

       {¶ 49} We find the instant case distinguishable from Harpster, as plaintiff’s evidence of

W.S.’s mental state at the time of the offense is more than a mere recantation.     To illustrate,
we turn to whether plaintiff identified a genuine issue of material fact regarding W.S.’s intent

to damage plaintiff’s house.

       {¶ 50} The evidence related to W.S.’s intent included his March 20, 2007 juvenile

adjudication admitting to attempted arson; an affidavit from a Nationwide Large Loss Claims

Adjuster stating that the Nationwide “investigation revealed that the loss was the direct result

of a criminal act committed by an insured, plaintiff’s son W.S. * * *;” a report from the

Cleveland Fire Department concluding that the fire had been intentionally set and listing W.S.

as being on the scene; and Nationwide’s Special Investigations Unit’s report concluding that
                       1

the fire was deliberately set in the living room and that W.S. and a friend of his were the only

people in the house at the time.

       {¶ 51} According to the Nationwide investigative report, W.S. was arrested and taken

to a juvenile detention center on the night of the fire.   W.S. told the police that the fire started

after his cigarette rolled onto the floor and went under the couch.        However, Nationwide’s

investigator determined there was no evidence of the floor burning at the “incipient stage.”

Rather, the investigator determined that the “fire originated in the living room in and about the

location of the coffee table that was located in front of the couch along the east wall of the

living room.     The evidence revealed that available combustibles (papers, clothing or

       1
           This report also noted that W.S. was “[p]ossibly impaired by alcohol or
drugs.”
furniture) were ignited by open flame, subsequently igniting the couch and remaining furniture

in the room on fire.”

         {¶ 52} On November 7, 2006, a phone call between plaintiff and a representative from

Nationwide was taped and transcribed.       According to the transcript of this call, plaintiff’s son

W.S. began having mental health and substance abuse problems in January of 2006 when his

father passed away.     W.S. attempted suicide in March of 2006 and was hospitalized several

times that year.    Asked if she believed W.S. accidentally started the fire with a cigarette,

plaintiff said, “I don’t think so.   I was told it was no way that could’ve happened.”

         {¶ 53} In W.S.’s deposition, he testified that he admitted to charges of attempted arson

and possession of cocaine in juvenile court.     In October of 2006, when this incident occurred,

W.S. was seeing a psychiatrist.      Asked why, W.S. stated, “I don’t know if it was because my

father died from alcohol, or what it was, but I decided the way I wanted to deal with my

grieving was by taking drugs and alcohol to the point where I couldn’t realize what was

happening, didn’t have to worry about anything.        I just liked to forget about it all the time

and never actually dealt with it before.”     W.S. testified that he does not remember anything

about the night of the fire, other than “waking back up to the couch I was laying on being on

fire.”    W.S. testified that he does not remember starting the fire and he does not remember

telling anyone that he started the fire.
       {¶ 54} A medical specialist in Nationwide’s claims department reviewed W.S.’s

medical records in relation to his “treatment for alcohol and drug abuse” and “prior

admissions for mental disorders.”      According to the specialist’s report, W.S. was admitted to

the hospital for various mental health issues six times between January and October of 2006.

On October 27, 2006 — the date of the fire — the police took W.S. to the emergency room,

where he was admitted to the hospital for the seventh time that year.

       {¶ 55} The specialist stated that W.S.’s medical records supported that he suffered

from depression and drug and alcohol abuse “that were spiraling out of control for the year

prior to the fire.”   The specialist concluded that it “appears [W.S.’s] judgment and impulse

control [were] impaired at the time of the fire.”

       {¶ 56} As part of plaintiff’s opposition to Nationwide’s summary judgment motion,

she submitted an expert report from a clinical psychologist who reviewed W.S.’s medical and

legal records.    Plaintiff alleges that the expert report concluded that W.S. suffered from a
              2

psychotic disorder that diminished his cognitive ability, and “he neither intended nor expected

that the fire would spread and cause substantial damage to property * * *.”      Plaintiff cites to

page six of the report; however, the report in the record contains only five pages and appears

to end abruptly without a signature.

       2
         On May 19, 2010, the court summarily denied Nationwide’s motion to
strike plaintiff’s expert report as untimely. We express no opinion on the timeliness
of plaintiff’s expert report as this issue is not before us on appeal.
          {¶ 57} In construing the evidence most strongly in favor of plaintiff, we find that there

is a genuine issue of material fact regarding whether W.S. was capable of forming the intent to

damage plaintiff’s house by starting the fire.    See Kobsic v. Erie Ins. Co. (Pa.Com.Pl, 2009),

7 Pa.D.&C.5th 48 (denying the insurance company’s motion to dismiss based on an intentional

act exclusion because a co-insured alleged she “was insane at the time she set fire to the home

and was therefore not capable of forming intent under the general purview of the law”); Erie

Ins. Co. v. Stark (C.A.4, 1992), 962 F.2d 349 (holding that the court erred in granting

summary judgment because there was a genuine issue of material fact as to whether the

insured deliberately set fire to the house or suffered from “a form of ‘insanity’ that precluded

possession of the particular mental states required to invoke any of the non-coverage

provisions” of the insurance policy). In our view, the admission to arson at the juvenile court

level is evidence — possibly even prima facie evidence — of intent in the insurance context,

which creates a rebuttable presumption and shifts the burden to the other party to show lack of

intent.    Our view is supported by the Ohio Supreme Court’s decision in Kollstedt, which

rejected the definition of insanity found in the criminal code, specifically former R.C.

2901.01(N), as the standard for an intentional act exclusion to an insurance contract.

          {¶ 58} The court erred by granting summary judgment to Nationwide, and plaintiff’s

third assignment of error is sustained.      Plaintiff’s fourth and fifth assignments of error are

moot pursuant to App.R. 12(A)(1)(c).
       {¶ 59} In plaintiff’s sixth and final assignment of error, she argues the following:

       {¶ 60} “VI.    The trial court erred in granting Nationwide’s motion to bifurcate the bad

faith and breach of contract claims.”

       {¶ 61} Civ.R. 42(B) states that “[t]he court, after a hearing, in furtherance of

convenience or to avoid prejudice, or when separate trials will be conducive to expedition and

economy, may order a separate trial of any claim * * *.”     Whether to grant or deny a motion

to bifurcate is within the sound discretion of the trial court. Thomas v. Nationwide Mut. Ins.

Co., 177 Ohio App.3d 502, 2008-Ohio-3662, 895 N.E.2d 217.

       {¶ 62} In the instant case, the court granted Nationwide’s motion to bifurcate on

November 24, 2009.      Nationwide’s motion was premised on Boone v. Vanliner Ins. Co.

(2001), 91 Ohio St.3d 209, 744 N.E.2d 154, which stands for the proposition that courts may

stay discovery and bifurcate the trial of bad faith claims until the claims determining the

underlying issue of insurance coverage have been decided.          Nationwide argued that not

bifurcating the claims would be prejudicial because, in proving a bad faith claim, a plaintiff is

entitled to discover information otherwise protected under the attorney-client privilege.     See

Boone at 213-214.

       {¶ 63} On appeal, plaintiff fails to establish an abuse of discretion by the trial court’s

granting Nationwide’s motion to bifurcate.    Plaintiff argues that Nationwide failed to meet its

burden under Civ.R. 42(B); however, avoiding prejudice, as set forth in Boone, is a factor
weighing in favor of bifurcation.    Accordingly, plaintiff’s sixth assignment of error is

overruled.

       {¶ 64} The denial of plaintiff’s motion for partial summary judgment is affirmed. The

granting of summary judgment to Nationwide is reversed and remanded.

       {¶ 65} This cause is affirmed in part, reversed in part, and remanded to

the lower court for further proceedings consistent with this opinion.

       It is, therefore, considered that said appellant and appellee split the

costs herein.

       It is ordered that a special mandate be sent to said court to carry this

judgment into execution.

      A certified copy of this entry shall constitute the mandate pursuant to
Rule 27 of the Rules of Appellate Procedure.

JAMES J. SWEENEY, JUDGE

MARY J. BOYLE, P.J., and
FRANK D. CELEBREZZE, JR., J., CONCUR