SARAH S. VANCE, District Judge.
Before the Court are cross motions for summary judgment filed by Plaintiff Raymond Angelin and defendant The Insurance Company of the State of Pennsylvania (ICSP). Because the Court finds that Angelin's employer executed a valid waiver of uninsured motorist coverage, ICSP's motion is granted and Angelin's motion is denied. Accordingly, Angelin's claims are dismissed with prejudice.
Plaintiff Raymond Angelin works for Cross Road Centers Transportation, Inc.
Angelin alleges that he was injured on August 2, 2015 when an uninsured or underinsured motorist sideswiped the Volvo truck.
Angelin sued ICSP in the 24th Judicial District Court for the Parish of Jefferson.
Summary judgment is warranted when "the movant shows that there is no genuine dispute as to any material fact and the movant is entitled to judgment as a matter of law." Fed. R. Civ. P. 56(a); see also Celotex Corp. v. Catrett, 477 U.S. 317, 322-23 (1986); Little v. Liquid Air Corp., 37 F.3d 1069, 1075 (5th Cir. 1994). When assessing whether a dispute as to any material fact exists, the Court considers "all of the evidence in the record but refrain[s] from making credibility determinations or weighing the evidence." Delta & Pine Land Co. v. Nationwide Agribusiness Ins. Co., 530 F.3d 395, 398-99 (5th Cir. 2008). All reasonable inferences are drawn in favor of the nonmoving party, but "unsupported allegations or affidavits setting forth `ultimate or conclusory facts and conclusions of law' are insufficient to either support or defeat a motion for summary judgment." Galindo v. Precision Am. Corp., 754 F.2d 1212, 1216 (5th Cir. 1985); see also Little, 37 F.3d at 1075. "No genuine dispute of fact exists if the record taken as a whole could not lead a rational trier of fact to find for the non-moving party." EEOC v. Simbaki, Ltd., 767 F.3d 475, 481 (5th Cir. 2014).
If the dispositive issue is one on which the moving party will bear the burden of proof at trial, the moving party "must come forward with evidence which would entitle it to a directed verdict if the evidence went uncontroverted at trial." Int'l Shortstop, Inc. v. Rally's, Inc., 939 F.2d 1257, 1264-65 (5th Cir. 1991). The nonmoving party can then defeat the motion by either countering with evidence sufficient to demonstrate the existence of a genuine dispute of material fact, or "showing that the moving party's evidence is so sheer that it may not persuade the reasonable fact-finder to return a verdict in favor of the moving party." Id. at 1265.
If the dispositive issue is one on which the nonmoving party will bear the burden of proof at trial, the moving party may satisfy its burden by merely pointing out that the evidence in the record is insufficient with respect to an essential element of the nonmoving party's claim. See Celotex, 477 U.S. at 325. The burden then shifts to the nonmoving party, who must, by submitting or referring to evidence, set out specific facts showing that a genuine issue exists. See id. at 324. The nonmovant may not rest upon the pleadings, but must identify specific facts that establish a genuine issue for trial. See, e.g., id.; Little, 37 F.3d at 1075 ("Rule 56 mandates the entry of summary judgment, after adequate time for discovery and upon motion, against a party who fails to make a showing sufficient to establish the existence of an element essential to that party's case, and on which that party will bear the burden of proof at trial." (quoting Celotex, 477 U.S. at 322)).
The parties' dispute is a narrow one. Both sides agree that Cross Roads, through its legal representative Robert Gadola, executed an "Uninsured/Underinsured Motorist Bodily Injury Coverage Form."
Under Louisiana Law, every automobile liability policy offers implicit coverage for uninsured motorists, even if the contract does not explicitly address the issue. Duncan v. U.S.A.A. Ins. Co., 950 So.2d 544, 547 (La. 2006). A motorist may waive uninsured motorist coverage, but the waiver must be "clear and unmistakable" and "the insurer bears the burden of proving any insured named in the policy rejected in writing the coverage." Id.
Louisiana Revised Statute 22:1295 provides that uninsured motorist coverage may be waived only by way of "a form proscribed by the commissioner of insurance." The Louisiana Supreme Court has held that, for a waiver to be effective, the contracting parties must complete six "tasks":
Duncan, 950 So. 2d at 551.
The Louisiana Supreme Court has, however, recognized an exception to these requirements. In Carter v. State Farm Mutual Automobile Insurance Company, an insured executed an uninsured motorist waiver form before the insurer had generated a policy number. 964 So.2d 375, 376 (La. 2007). The court held that the waiver was valid and lawful because "the Commissioner of Insurance's regulations specifically allow omission of the policy number if it does not exist at the time the [uninsured motorist] waiver form is completed." Id.; see also Kurz v. Milano, 6 So.3d 916, 920 (La. App. 4 Cir. 2009) ("[S]ince Duncan, the Louisiana Supreme Court has concluded that filling in the policy number is not essential to a valid UM coverage waiver where the evidence establishes that no policy number was available at the time of the execution of the UM coverage form.").
Here, the evidence before the Court shows that no policy number was available when Gadola signed the waiver form. ICSP submits an affidavit from Sherri Wright, a Business Insurance Account Manager with AWS insurance.
Accordingly, the Court finds that no policy number was available when Gadola executed the uninsured motorist waiver. Therefore, as made clear in Carter, no policy number was required. Because the form fulfills the rest of the Duncan requirements, it is a valid waiver of uninsured motorist coverage under Louisiana law. ICSP is therefore entitled to summary judgment on Angelin's uninsured motorist claim.
For the foregoing reasons, defendant The Insurance Company of the State of Pennsylvania's motion for summary judgment is GRANTED and plaintiff Raymond Angelin's partial motion for summary judgment is DENIED. Angelin's claims are DISMISSED WITH PREJUDICE.