DISTRICT COURT OF APPEAL OF THE STATE OF FLORIDA
                              FOURTH DISTRICT

   ROBERTO LOPEZ, individually and on behalf of all others similarly
                            situated,
                           Appellant,

                                     v.

   TROPICAL FINANCIAL CREDIT UNION; CMFG LIFE INSURANCE
        COMPANY; and CUMIS INSURANCE SOCIETY, INC.,
                         Appellees.

                               No. 4D19-884

                           [December 18, 2019]

   Appeal of a nonfinal order from the Circuit Court for the Fifteenth
Judicial Circuit, Palm Beach County; Meenu Sasser, Judge; L.T. Case No.
50-2013-CA-012862-XXXX-MB.

  Philip M. Burlington and Jeffrey V. Mansell of Burlington &
Rockenbach, P.A., West Palm Beach, and Jeffrey M. Liggio of Liggio Law,
West Palm Beach, for appellant.

   Michael Jay Rune II and Dana Chaaban of Carlton Fields, P.A., Miami,
for appellee Tropical Financial Credit Union; and Roland C. Goss of
Drinker Biddle & Reath LLP, Washington, DC, for appellees CMFG Life
Insurance Company and CUMIS Insurance Society, Inc.

PER CURIAM.

   Because we believe the appellant has failed to demonstrate that the
circuit court abused its discretion in this case by denying his motion for
class action certification, we affirm. The trial court conducted the required
rigorous analysis and we find that the trial court’s factual determinations
are supported by competent substantial evidence and the legal rulings are
not erroneous.

   Affirmed.

CIKLIN and KUNTZ, JJ., concur.
WARNER, J., dissents with opinion.
WARNER, J., dissenting.

    This is an appeal of an order denying class certification in a suit
involving the force-placement of insurance under vehicle installment
contracts. The litigation below arose from appellant’s purchase of a used
vehicle under an installment contract, in which he obtained insurance
through a GEICO agent at the dealership. He alleged that after installment
payments were completed and he requested title, he was charged an
additional $12,314.59 for forced-placed insurance. He filed suit against
the appellees and sought class action status on behalf of himself and
others similarly-situated. The trial court ruled that, for purposes of class
certification, appellant had demonstrated standing and had satisfied the
numerosity, commonality, typicality and adequacy prerequisites for class
actions under Florida Rule of Civil Procedure 1.220(a). However, the court
also ruled that appellant had not sufficiently established that his claims
for declaratory or injunctive relief were entitled to class certification under
rule 1.220(b)(2). Nor had he established the predominance or superiority
requirement for class action certification under rule 1.220(b)(3).

   As to the denial of class action status based upon rule 1.220(b)(2), I
would reverse. See Allison v. Citgo Petroleum Corp., 

, 415
(5th Cir. 1998) (discussing the comparable federal rule holding that
incidental damages do not prevent class action relief in declaratory
judgment or injunction cases, as such damages are those which flow
directly from liability to the class as a whole and are “concomitant with,
not merely consequential to, class-wide injunctive or declaratory relief.”).

   As to denial of certification pursuant to rule 1.220(b)(3), I would also
reverse. See Porsche Cars N. Am. Inc. v. Diamond, 

, 1096
(Fla. 3d DCA 2014) (finding that common issues predominate over
individual issues in a class action where “proof offered by the class
representative will necessarily prove or disprove the cases of the absent
class members.”). See also Wal-Mart Stores, Inc. v. Dukes, 

,
350 (2011) (“What matters to class certification . . . is not the raising of
common ‘questions’ . . . but rather, the capacity of a class-wide proceeding
to generate common answers apt to drive the resolution of the litigation.”)
(emphasis in original) (citation omitted); Sosa v. Safeway Premium Fin. Co.,

(Fla. 2011) (Individual issues raised by defenses regarding
damages do not prevent class certification.).

                             *        *         *

   Not final until disposition of timely filed motion for rehearing.


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