NOT FINAL UNTIL TIME EXPIRES TO FILE REHEARING
                        MOTION AND, IF FILED, DETERMINED


                                            IN THE DISTRICT COURT OF APPEAL

                                            OF FLORIDA

                                            SECOND DISTRICT


STATE FARM MUTUAL AUTOMOBILE                )
INSURANCE COMPANY,                          )
                                            )
               Appellant,                   )
                                            )
v.                                          )         Case No. 2D15-5388
                                            )
LORETTA J. STATSICK,                        )
                                            )
               Appellee.                    )
                                            )

Opinion filed July 14, 2017.

Appeal pursuant to Fla. R. App. P.
9.130 from the Circuit Court for
Pinellas County; Jack Day, Judge.

Kenneth P. Williams of Moffett Vitu
Lascoe & Packus, P.C., Birmingham,
Michigan; and Dorothy V. DiFiore of
Quintairos, Prieto, Wood & Boyer,
Tampa, for Appellant.

Paul Castagliola and Alexander T.
Lewis of Paul Castagliola, P.A.,
St. Petersburg; and Raymond T.
Elligett, Jr., of Buell & Elligett, P.A.,
Tampa, for Appellee.



SALARIO, Judge.

               State Farm Mutual Automobile Insurance Company appeals from an order

granting a motion under Florida Rule of Civil Procedure 1.540(b) to vacate a stipulated
judgment in an action to recover personal injury protection benefits brought by Loretta

Statsick. Ms. Statsick filed the motion to vacate after a question regarding the res

judicata effect of the judgment arose in subsequent litigation. Her motion alleged, and

the trial court found, that there was no "meeting of the minds" as to whether the

stipulated judgment would reach claims of the type brought in that subsequent litigation.

As a result, the trial court concluded that the agreement underlying the judgment was

void and vacated the judgment. Neither the motion nor the resulting order specified the

subsection of rule 1.540(b) that warranted relief.

              We reverse on two bases. First, to the extent the trial court determined

that relief was warranted under rule 1.540(b)(4) because the stipulated judgment—

having been entered pursuant to a void agreement—was itself void, that was legal error;

a judgment entered pursuant to a void settlement agreement is merely voidable, not

void, and therefore not within the scope of subsection (b)(4). Second, to the extent the

trial court's "meeting of the minds" finding was intended to support some other basis for

relief under rule 1.540(b)—such as mistake under subsection (b)(1)—it was not, and on

this record could not have been, supported by competent substantial evidence. We

therefore remand with instructions to reinstate the stipulated judgment.

                                             I.

              Ms. Statsick is a former Michigan resident who now lives in Florida. She

had automobile insurance under a State Farm policy issued in Michigan and, while

visiting her former home state, was in a car accident there. A dispute later arose

between Ms. Statsick and State Farm over the existence and extent of State Farm's

obligation to pay PIP benefits to cover medical expenses Ms. Statsick claimed to have




                                           -2-
incurred as a result of the accident. In 2011, Ms. Statsick sued State Farm in circuit

court in Pinellas County, Florida, to recover those benefits.

              As the case proceeded toward trial, State Farm served Ms. Statsick with a

written offer to stipulate to the entry of a judgment made pursuant to a Michigan rule of

civil procedure.1 The offer was for "stipulated entry of a judgment for [Ms. Statsick's]

whole claim in favor of [Ms. Statsick] and against [State Farm] in the amount of Thirty

Thousand ($30,000) Dollars, inclusive of attorney fees, interest and costs now accrued."

After an exchange of correspondence clarifying that the offer did not extend to Ms.

Statsick's attorney's fees on a related claim she had made under uninsured motorist

provisions of the State Farm policy, Ms. Statsick accepted State Farm's offer.

              At a hearing shortly thereafter, the parties agreed on the record to the

language of a judgment for the court to enter. It provided simply that "judgment is

entered" in favor of Ms. Statsick and against State Farm "in the amount of Thirty

Thousand ($30,000.00) Dollars, [i]nclusive of attorney fees, [i]nterest and costs now

accrued, pursuant to Stipulation of the parties under [the Michigan rule]." The trial court

then entered the judgment to which the parties had agreed. State Farm paid, and Ms.

Statsick accepted, the $30,000 payment required by the stipulated judgment.

              In 2014, Ms. Statsick brought a second action against State Farm in

Pinellas County for additional PIP benefits arising out of the same policy and accident

but based on medical expenses incurred subsequent to the 2011 litigation. That case



              1
                The parties argue extensively about the applicability of Florida and
Michigan law and various alleged differences between Florida and Michigan law. As
our analysis in the text will make clear, these arguments are largely irrelevant to our
resolution of the case. We note, however, that the parties do not dispute that it was
permissible for State Farm to make this offer pursuant to the Michigan rule.

                                           -3-
was assigned to the same trial judge who handled the 2011 case. State Farm moved

for summary judgment arguing that Ms. Statsick's new complaint was barred by res

judicata as a result of the stipulated judgment in the earlier case. Ms. Statsick argued

that the preclusive effect of the stipulated judgment did not reach claims for PIP benefits

based on expenses incurred subsequent to the operative complaint in the 2011 case

and that the parties did not contemplate when they submitted the stipulated judgment

that it would resolve claims for such medical expenses.

              After a hearing at which both parties presented extensive argument, the

trial court stated, apparently in view of the parties' significant divergence of opinion over

whether the stipulated judgment barred Ms. Statsick's new claims, that the parties had

not reached a "meeting of the minds" when they resolved the 2011 case. It later

entered a written order denying State Farm's summary judgment motion, which

purported to make an express "factual finding that there was no meeting of the minds

regarding the Stipulated Judgment."

              Ms. Statsick then filed a motion in the 2011 case pursuant to rule 1.540(b)

to vacate the stipulated judgment, attaching as exhibits the stipulated judgment and the

order denying State Farm's summary judgment motion in the 2014 case. Rule 1.540(b)

provides for a trial court to relieve a party from an order or judgment in specified

circumstances, such as where the order or judgment is void; where mistake,

inadvertence, or excusable neglect warrants relief; or where there has been some newly

discovered evidence that is important. Fla. R. Civ. P. 1.540(b)(1), (2), (4). Ms. Statsick

alleged that relief under rule 1.540(b) was warranted because the trial court's factual

finding that the parties had no "meeting of the minds" in its order denying summary

judgment in the 2014 case rendered the parties' agreement to stipulate to a judgment

                                            -4-
void and, as a result, rendered the stipulated judgment in the 2011 case unenforceable.

Ms. Statsick's motion did not identify a specific ground of rule 1.540(b) under which she

sought relief, although the content of the motion implied reliance on rule 1.540(b)(4),

which provides for relief from void judgments.

              The trial court agreed with Ms. Statsick concerning the "meeting of the

minds," found that "the contractual settlement agreement underlying the Stipulated

Judgment is void . . . as the parties failed to have a meeting of the minds on the

essential terms of the agreement," and vacated the judgment. Like Ms. Statsick's

motion, the trial court's order does not identify a particular rule 1.540(b) ground

warranting relief, although it too implies that the trial court found the stipulated judgment

void and ordered relief accordingly. State Farm timely appeals.

                                               II.

              We ordinarily review an order granting a motion under rule 1.540(b) for

abuse of discretion. Belk v. McKaveney, 

, 337 (Fla. 2d DCA 2005). But

see Wiggins v. Tigrent, Inc., 

, 80 (Fla. 2d DCA 2014) ("The de novo

standard of review also applies to the review of an order [entered pursuant to rule

1.540(b)(4)] determining whether a final judgment by default is void for lack of personal

jurisdiction . . . ."). Application of this standard to this case is complicated, however, by

the fact that neither Ms. Statsick nor the trial court identified the provision of rule

1.540(b) under which relief was to have been granted. In this case, that makes a

difference.

              The most obvious candidate in terms of a basis for relief in view of the trial

court's determination that the agreement leading to the stipulated judgment was void is

that the judgment itself is void under rule 1.540(b)(4). A determination that relief under

                                             -5-
rule 1.540(b)(4) was warranted on that basis depended, in turn, on the legal conclusion

that when a settlement agreement forming the basis for a stipulated judgment is void,

the resultant judgment itself is void. That conclusion presents a pure question of law,

which we evaluate de novo. See Casteel v. Maddalena, 

, 1255 (Fla. 2d

DCA 2013) (holding that where a trial court's decision to apply rule 1.540(b) presents

"purely a question of law, we apply a de novo review to that decision").

              A judgment is void when it is entered by a court lacking jurisdiction over

the subject matter of the case or jurisdiction over the person of the defendant or where

there is a violation of due process. See Tannenbaum v. Shea, 

, 1061

(Fla. 4th DCA 2014) (recognizing that due process violations affecting notice or the

opportunity to be heard may void a judgment); Miller v. Preefer, 

, 1282

(Fla. 4th DCA 2009) ("A void judgment is one entered in the absence of the court's

jurisdiction over the subject matter or the person." (citing Sterling Factors Corp. v. U.S.

Bank Nat'l Ass'n, 

, 665 (Fla. 2d DCA 2007))); see also Dep't of Health &

Rehab. Servs. v. Morley, 

, 404 (Fla. 5th DCA 1990) (describing the

"general rule that if a court has jurisdiction over the person and the subject matter, an

error in the judgment does not make the judgment void, but rather reversible on

appeal"). As a matter of law, then, the trial court could not declare the judgment in the

2011 case void absent allegations and proof that it had no subject matter or personal

jurisdiction in that case or that a party was not given notice or an opportunity to be

heard. Neither was alleged or proven here.

              Instead, Ms. Statsick appears to have alleged and sought to prove that the

stipulated judgment was void because the underlying agreement was void for want of a

meeting of the minds. Florida courts have held, however, that this kind of problem in a

                                            -6-
settlement agreement renders a resultant judgment merely voidable, not void.2 See

Greenwich Ass'n, Inc. v. Greenwich Apartments, 

, 1118 (Fla. 3d DCA

2008) ("The plaintiff first argues that the 2001 judgment must be stricken as void

because the settlement agreement that it incorporated was . . . void . . . . We disagree,

and hold that the 2001 judgment was voidable, not void."); 

("[D]oes the incorporation of a void agreement into a final judgment likewise render the

final judgment void? The answer is no."); see also 

("[B]ecause the trial court had jurisdiction over the subject matter of the 1992 litigation

and personal jurisdiction over the parties, the inclusion of an illegal or void provision in

the settlement agreement resolving that litigation does not render the final judgment

incorporating that settlement agreement void per se; such a judgment is merely

voidable."). Although "[a] voidable judgment can be challenged by motion for rehearing

or appeal and may be subject to collateral attack under specific circumstances," such a

judgment "cannot be challenged at any time as void under rule 1.540(b)(4)." Sterling

. Thus, to the extent we are reviewing a legal determination

that the 2011 judgment is void under rule 1.540(b)(4), that determination was error as a

matter of law.




              2
               Ms. Statsick argues that Polk County v. Sofka, 

(Fla. 2d
DCA 1999), holds differently, but she misreads that case. The facts of Sofka are
convoluted, but the bottom line is this: Sofka involved motions to enforce a settlement
agreement that asked a trial court to overturn an order granting a new trial; it had
nothing to do with an order under rule 1.540(b). See 

. There is
some dicta in Sofka about a meeting of the minds, see 

n.3, but it says nothing
about whether the absence of a meeting of the minds in an agreement involving the
entry of a judgment renders a judgment entered pursuant to that agreement void under
rule 1.540(b).

                                             -7-
              The parties, however, also argue that the trial court's decision may have

rested on other provisions of rule 1.540(b), such as mistake under subsection (b)(1),

fraud under subsection (b)(3), or that prospective application of the judgment is no

longer equitable under subsection (b)(5). The abuse of discretion standard applicable

under rule 1.540(b), although deferential, requires that the decision to exercise

discretion and afford relief under any of these subsections be supported by competent

substantial evidence. Sourcetrack, Inc. v. Ariba, Inc., 

, 768 (Fla. 2d DCA

2010) ("[D]iscretion can only be exercised by a court after it has received competent,

substantial evidence permitting a discretionary decision."); see also Rude v. Golden

Crown Land Dev. Corp., 

, 353 (Fla. 2d DCA 1988) ("Absent such

evidence, a court's vacation of final judgment constitutes an abuse of discretion."). That

evidence is entirely absent in this case.

              Relief under any of these subsections of rule 1.540(b) hinges on the trial

court's factual finding that there was no meeting of the minds as to whether the

stipulated judgment would bar a suit for medical expenses incurred after the operative

complaint in the 2011 case. That was the only factual allegation made in the motion to

vacate, that is the only factual issue tethered to the record, and that is the only factual

finding the trial court made. The problem is that this record lacks any evidence to

support a finding that there was no meeting of the minds. The hearing on Ms. Statsick's

motion to vacate the stipulated judgment was limited to argument of counsel. No

evidence was presented either through witnesses or documents that would have

permitted the trial court to make the factual finding that it did. See, e.g., PS Marinas 3 v.

Marina Funding Grp., Inc., 

, 169 (Fla. 3d DCA 2004) ("A determination of

the intention of the parties includes a consideration of the surrounding circumstances

                                            -8-
when the agreement was entered into."); Speigel v. H. Allen Holmes, Inc., 

, 297 (Fla. 4th DCA 2002) (holding that a trial court's findings regarding meeting of

the minds must be supported by competent substantial evidence). Because there was

no evidence to support the finding upon which the trial court granted the motion, a

decision to vacate the stipulated judgment based on that finding under any subsection

of rule 1.540(b) was an abuse of discretion.3 See Bank of N.Y. Mellon v. Estate of

Peterson, 

, 1222 (Fla. 2d DCA 2017) ("[I]t is incumbent on the party

seeking to vacate a judgment under that rule to come forward with evidence to support

its position, see Rude [v. Golden Crown Land Dev. Corp.], 521 So. 2d [351, 353 (Fla. 2d

DCA 1988)], and arguments of counsel do not constitute evidence, see, e.g., Justice v.

State, 

, 540 (Fla. 2d DCA 2006) . . . .").

              Ms. Statsick relied on the trial court's separate factual finding in the 2014

case to provide evidence that there was no meeting of the minds, but that finding is pure

surplusage without legal effect in this case. It was made in an order denying State

Farm's motion for summary judgment in the 2014 case, which argued that the stipulated

judgment was res judicata as to Ms. Statsick's claims in the 2014 case. The legal

issues the trial court had to resolve in deciding whether to award summary judgment to

State Farm were two: (1) whether State Farm had shown that there was no genuine

issue as to any material fact concerning its res judicata defense (and, if so, whether Ms.

Statsick had rebutted State Farm's showing) and (2) whether State Farm was entitled to

judgment as a matter of law. See Fla. R. Civ. P. 1.510(c); see also Sherry v. Regency



              3
                 We reject Ms. Statsick's argument that State Farm admitted in a motion
for stay filed in the trial court that there was no meeting of the minds because, when
State Farm's statements are viewed in their context, that argument is not tenable.

                                            -9-
Ins. Co., 

, 177 (Fla. 2d DCA 2004). It was required to answer those

questions on a limited record of specific summary judgment evidence identified prior to

the summary judgment hearing by State Farm in support of the motion and by Ms.

Statsick in opposition to it, not a full record after an evidentiary hearing or a trial. See

Fla. R. Civ. P. 1.510(c); State Farm Mut. Auto. Ins. Co. v. Figler Family Chiropractic,

P.A., 

, 974 (Fla. 4th DCA 2016) ("[T]he rule . . . requires that the

evidence in support of and in opposition to the motion be specifically identified[] prior to

the hearing." (emphasis omitted)).

              Given the limited scope of the summary judgment inquiry and record, the

trial court was not in a position to make a finding of fact that conclusively resolved

whether a meeting of the minds supported the stipulated judgment.4 See Horner v.

State, 

, 790 (Fla. 3d DCA 1963) ("The very nature of the rule which

permits summary judgments, which recites that they may be entered when 'there is no

genuine issue as to any material fact' indicates that it is not the function of a trial judge

to make findings of fact and any made are purely surplusage." (quoting former Fla. R.

Civ. P. 1.36(c))). The most it could have found in this case is that there was a genuine

issue of material fact about whether the parties had a meeting of the minds and, as a

result, that State Farm was not entitled to summary judgment on its res judicata

defense. The trial court's finding in the summary judgment order in the 2014 case is

thus immaterial to Ms. Statsick's motion to vacate in the 2011 case.



              4
                In this regard, we note that at the summary judgment hearing the trial
court itself hypothesized that there was another possible explanation for the parties'
dispute as to the preclusive effect of the judgment—"[i]t may also have been the product
of one or both of the parties deliberately going ahead with something ambiguous hoping
they would come out on top when it was fought about later."

                                            - 10 -
              Having determined that the trial court's order on the motion to vacate must

be reversed, we further conclude that remand to determine whether the stipulated

judgment was the product of a meeting of the minds is unnecessary. See Coleman

(Parent) Holdings, Inc. v. Morgan Stanley & Co., 

, 955 (Fla. 4th DCA

2009) ("An evidentiary hearing is unnecessary if a [r]ule 1.540(b) motion merely

undertakes to rehash matters previously litigated at trial or raises inconsequential 'de

minimus' matters."). The transcript of the hearing resulting in the parties' agreement to

the judgment shows beyond dispute that the parties agreed, on the record and without

ambiguity, to the judgment that the trial court should and did enter. That record further

shows beyond controversy that the sole subject of their agreement was the entry of that

judgment. That the parties now disagree about whether the judgment precludes claims

for medical expenses subsequently incurred by Ms. Statsick does not change the fact

that their minds met on the entry of the judgment that was the subject of their

agreement. See Lunas v. Cooperativa de Seguros Multiples de Puerto Rico, 

239, 241 (Fla. 2d DCA 2012) ("The making of a contract depends not on the

agreement of two minds in one intention, but on the agreement of two sets of external

signs—not on the parties having meant the same thing but on their having said the

same thing." (quoting Hanson v. Maxfield, 

, 739 (Fla. 1st DCA 2009)));

see also Robbie v. City of Miami, 

, 1385 (Fla. 1985) (same). In the final

analysis, there is no question that the parties agreed to the same thing and that they

received what they agreed to.

              The question of whether the stipulated judgment reaches claims for

medical expenses incurred subsequent to the operative complaint in the 2011 case is

not a question of whether the parties agreed to the judgment in the 2011 case—they

                                           - 11 -
did—but rather is a question of what the preclusive effect of that judgment is. Put

differently, whether the stipulated judgment to which the parties agreed reaches Ms.

Statsick's claims in the 2014 complaint is a matter of preclusion law, not contract law.5

See Gallagher v. DuPont, 

, 346 (Fla. 5th DCA 2005) ("Although a

judgment may be entered pursuant to a settlement, once the judgment is entered, its

enforceability is not tied to the terms of the settlement." (citing Sands v. Granoff, 

(Fla. 3d DCA 1987))); cf. Livingston v. Frank, 

, 244 (Fla. 2d

DCA 2014) (holding that res judicata barred a subsequent claim related to the subject of

a takings case that had been resolved by way of stipulated judgment). The stipulated

judgment "is entitled to the same preclusive, res judicata effect as any other judgment

issued by a Florida court." Arrieta-Gimenez v. Arrieta-Negron, 

, 1186

(Fla. 1989); see also Sea Quest Int'l, Inc. v. Trident Shipworks, Inc., 

,

1119 (Fla. 2d DCA 2007) ("The fact that the earlier action was concluded based on a

consent judgment does not prevent the prior judgment from precluding the subsequent

litigation."). Whether the stipulated judgment is res judicata as to Ms. Statsick's claims

in the 2014 case is not before us in this appeal, and we express no opinion about it. We

hold only that the parties' present disagreement about the res judicata effect of the

judgment they agreed to enter presents no basis for vacating it under rule 1.540(b).6


              5
               We address questions of preclusion by reference to Florida law because
we are a Florida court evaluating a judgment rendered by a Florida court. See generally
Restatement (Second) of Judgments ch. 6, intro. note (Am. Law Inst. 1982).
              6
               Even if the record supported the factual finding that there was no meeting
of the minds, we would reject the argument that there had been a mistake remediable
under rule 1.540(b)(1). See Eagle FL VI SPE, LLC v. T & A Family P'ship, Ltd., 

1277, 1280 (Fla. 2d DCA 2015) ("Nor does [rule 1.540(b)(1)] allow a party to avoid
the consequences of a decision to settle litigation even if the party regards the
settlement as 'bad' in retrospect." (quoting Smiles v. Young, 

, 802-03

                                           - 12 -
The preclusive effect of the 2011 judgment on the 2014 litigation is what it is, regardless

of what either party may have thought it was at the time they stipulated to its entry.

                                            III.

              For the foregoing reasons, we reverse the order granting Ms. Statsick's

motion to vacate the stipulated judgment and remand the case to the trial court with

instructions to reinstate that judgment.

              Reversed and remanded.


WALLACE and SLEET, JJ., Concur.




(Fla. 3d DCA 1973))). We would likewise reject the arguments that the record supports
a finding of fraud under rule 1.540(b)(3) or that prospective application of the judgment
is no longer equitable under rule 1.540(b)(5) because no evidence supports either
ground.

                                           - 13 -