HomeMy WebLinkAbout97-02149
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WtIlTI AND WILLIAMS LLl>
nYI Wllllam.1. Schmidt, Esquire
Idelltificatioll No, 366]7
1800 Dlle Liberty place
Philadelphia, PA 19101.739!i
(21!i) 8(,4-6209
Attorney for Plaintiff,
Regis Ineurance Company
REGIS INSURANCE COMPANY,
Plailltiff
COURT OF COMMON PLEAS
CUMBERLANP COUNTY
CIVIl, ACTION . LAW
v.
ImADI,EY D. MAXWELL, PATRICIA
A. MAXWELL, B&P MAX, INC.
tla COLD SPRINGS INN, JAMES
M. BAUGHMAN, and JAMES B.
ADAMS,
CASE NO. 97.2149
Defendants
AND NOW, thio
ORDBA
day of October, 1997, it ie hereby
ORDIRED and DICRIED that oummary judgment i8 granted in favor of
the plaintiff, Regis Insurance Company, on defendants', Bradley
D. Maxwell, Patricia A. Maxwell, and B&P Max, Inc.8 tla Cold
Springs Inn's Counterclaim.
BY TilE COURT I
.1,
2014un.WI"
3. Defendant, U&I' Max. Inc. t/a Cold Springo Inn, is a
corporation registered under the laws of the Commonwealth of
Pennsylvania with a principal place of business located at 25B
Park Place Lane, Mechanicsburg, Cumberland County, Pennsylvania,
17055.
4. Regis issued a policy of general liability insurance
No. RL 103953, effective February 15, 1994 to February 15, 1995
to Bradley D. and Patricia A, Maxwell and B&P Max, Inc. ATlMA tla
Cold Springs Inn.
5. Plaintiff filed this Declaratory Judgment Complaint on
April 24, 1997, seeking a determination that it has no duty to
defend or indemnify B&P Max in an action captioned Bauqhman v.
Adams. et al., pending in the Court of Common Pleas of Cumberland
County, No. 95-3715.
6. Defendants, Bradley D. Maxwell, Patricia A. Maxwell and
U&P Max, Inc. filed an Anower and Counterclaim on or about July
22, 1997.
7. Defendants' Counterclaim alleges Regis has acted in bad
faith under 42 Pa, C.B.A. 8 B371.
B. On August 5, 1997, Regis filed an Answer to B&P Max's
Counterclaim, denying all allegations of bad faith.
9. Defendants have no evidence to support the allegation
of bad faith refusal to defend, because Regis has retained
counsel to defend B&P MIX in the underlying action.
JOI46-"1I WP&,
-2-
10. Defendants have no evidence of bad faith refusal to
indemnify, because no duty of indemnification has arisen. 1~e
underlying action is still pending.
11. Regis' filing of this Declaratory Judgment Action does
not constitute bad faith as a matter of law.
WHIRl FORI , Plaintiff Regis Insurance Company respectfUlly
requests this Honorable Court to grant summary judgment in its
favor on defendants' Counterclaim,
WHITI AND WILLIAMS LLP
aYI
11itZArf / ,/t._.(:dL
DATED I
11-;;1-97
William J. c midt, Esquire,
Attorney or Plaintiff
Regis Ins nce Company
;I 0 l46An."Pi
-3-
CIRTIFICATI OF SIRVICI
I, William J. Schmidt, attorney for plaintiff, Regis
IIIs4rance Company, hereby cel.tify ~hat a true and correct copy of
Plaint Iff's Mot ion fOI' summary Judgment on Defendants'
Countel'claim was mailed on November 24, 1997, by first class,
United States mail, postage prepaid upon the following counsell
William P. Douglas, Esquire
Dougl.., Dougl.. ~ Dougl..
27 West lIigh Stl"eet
Carlisle, PI\ 17013
Lawrence J. Neary, Esquire
Connelly, Reid ~ Sp.da
108-112 Walnut Street
P.O. Box 963
Harrisburg, PI\ 17108
Steven M. lIovia, Esquire
Stoak ~ Le.der
35 South Duke Street
P.O, Box 5167
York, PI\ 17405
Harrison L. Sanders, Esquire
18 South George Street
Suite 601
York, PA 17401-1425
WHITI AND
bYI
ltJikJ4 tt..,;dt!
William J, St mldt
Attorney fpr 'laintiff,
Regis IlIs\ nee Company
Datel
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II caUl1I 01 actlon on elttler on6 or multiple countl againll the Delendanll In the
undellving acllon
1 II Denied 1 hllll an Incorrect conclulion on the pari 01 Hegls In Ihallf Ihere
Is an allogatlon in Ihe pollcV whlctlrslseslhe dulV 10 delend, then Regis halo duly 10
delend Bradley D Maxwell and Plttlicla A Maxwell In laid action and Iltid obligation II
lopar.to and dllllncl from the obllgallon 10 Indemnllv Ihould a 1011 be establllhed
WHEREFORE, Oefendantl, [)radlev [) Maxwell and Patricia A Maxwell,
relpec:t1ullv raquelt Ihal Plalnllffl Motion for Summar V Judgmenl be denied.
Reapectlullv 6ubmllled,
CONNELLY. REID 8. SPADE
Oala: -~!!J 7
( !)t
BV ~ iA{I>-_~".:..
j:.aYlr nee J. N rv, E~uIr
~II nev lor 0 endan
B adlev D and Palrlcl A axwell
108. 112 Walnul Bllee ..
p O. Oox U63
Harrllburll PA 17100
(717) 238,4776
(717) 238,4703 . Telecopler
PI. 10 No 211827
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mlITI AND WILLIAMS
BY: William .J, Sdunidt
Attorney I.D. No, 36637
1800 Ono Liberty Place
l'hiludolphla, PA 19103-'7395
(215) 864.6209
Rli:GHl INSUI{ANCE COMPANY
1031 Old Cassatt Road
Ilerwyn, PA 19312,
Plaintiff
v.
BRADLEY D. MAXWELl,
'101 Ridge Road
Lewisbarry, PA 17339
and
PATRICIA A. MAXWELL
701 Ridge Road
Lewisberry, PA 1'1]]9
and
Il&P MAX, INC. tla COLD
SPRINGS INN
258 Park Pla~e Lane
Mechanicsburg, PA 17055
and
JAMES M. BAUGHMAN
97'10-B Carlisle Road
Dillsburg, PA 17019
and
JAMEu B. ADAMS
]15 Hemlock Road
Mechanicoburg, PA 19055,
Defendants
Attorneys for Plaintiff,
Regie Insurance Company
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COURT OF COMMON PLEAS
CUMBli:RLAND COUNTY
CIVIL ACTION - LAW
JURY TRIAl, DEMANDED
CASE NO, I
CIVIL ACTION COMPLAINT VOR DICLA~TO~Y JUDOMBNT
Plaintiff, Regis Insurance Company, by and through its
counsol, White and Wi 11 i ams, hereby files this Complaint for
Declaratory .Judgment and avers:
1. Plaintiff, Regis Insurance Company ("Regio"), is an
lusurance company licensed to do bUllineoo In Pennoylvania,
regularly doing bUllinooB in Philadelphia County, with offices
~
located at 1031 old Casllatt Hoad, Berwyn, ChestEn' count.y,
Pennsylvania 19312.
2. Defendant, Bradley D. Maxwell, Is an adult Individual,
citizen and resident of the Commonwealth of Pennsylvania,
residing at 701 Ridge Road, Lewisberry, Pennsylvania 17339.
3. Defendant, Patricia A. Maxwell, is an adult individual,
citizen and resident of the Commonwealth of Pennsylvania,
residing at 701 Ridge Road, Lewisberry, Pennsylvania 17339.
4. Defendant, B&.P Max, Inc., tla Cold Springs Inn, is a
corporation organized and existing under the laws of the
Commonwealth of Pennsylvania which, at all times relevant to this
Co,nplaint, owned and operated an establ ishment known as the Cold
Springs Inn, 258 Park Place Lane, Mechanicsburg, Cumberland
County, Pennsylvania 17055.
5. Defendant, James M. Baughman, is an adult individual,
citizen and resident of the Commonwealth of Pennsylvania,
residing at 9770-B Carlisle Hoad, Dillsburg, York County,
Psnnsylvanis 17019.
6. Defendant, James B. Adams, is an adult individual,
citizen and resident of the Commonwealth of Pennsylvania,
residing at 315 Hemlock Hoad, Mechanlcsburg, Cumberland County,
Pennsylvania 17055.
7. At all times relsvant hereto, plaintiff issued a
gOlleral liability insurance policy, No. HL 103953, effective
February 15, 1994 to February 15, 1995, to Bradley 0, &. Patricia
A. Maxwell and B&.P Max, Inc. A1'IMA 1'/A Cold Springs, Inc, clo
]{lUIU~ wrll
-2-
.
Brad Maxwell, 701 JUdge Road, t.ewisberry, Pennsylvania 1'/399. A
copy of the insurance pol icy Is attached hereto as Exhibit "A",
8. Rsgis policy No. ItL 103953 contained an Assault and
Hattery Exclusion. (Exhibit "B").
9. On or about May 31, 1995, defendant James M. Baughman
filed a Complaint against defendants, James B. Adams and B~P Max,
Inc. t/B Cold springs Inn, seeking damages for bodily injury as
the result of an incident which allegedly occurred on March 25,
1994 at or near the property occupied by the cold Springs Inn.
(Exhibit "C").
10. On February 5, 1996, defendant Baughman filed an
Amended Complaint against defendants, Adams and Cold Springs Inn.
(Exhibit "D").
11. In his Amended Complaint, defendant Baughman alleges
that he and defendant Adams were patrons in the Cold Springs Inn
when an altercation occurred inside the tavern.
12, Thereafter, defendant Baughman alleges that he was
attacked by defendant Adams when he left the Cold Springs Inn and
that he sustained bodily injuries as a reeult of the attack.
13. Plaintiff believes and therefore avers that all
allegations contained in the Amended Complaint fall within the
exclusionary provisions of the Assault and Battery Exclusion
contained in Policy No. RL 103953.
14. plaintiff believes and therefore avers that it does not
owe a defense or indemnification to Bradley D. Maxwell, Patricia
2014 )6k~ . 'WI>
-3-
.
A. Maxwell and/or B&P Max, Inc. t/a Cold Springs Inn with regard
to any of the claims set forth in the Amended Complaint.
15. All parties necessary to this action for declaratory
judgment have been joined herein.
16. No other action has been started by any of the parties
to resolve the insurance coverage issues raised by this
Complaint.
WHEREFORE, plaintiff, Regis Insurance Company, respectfully
requests that this Honorable Court iSBue a declaration that
Policy No. RL 103953 doeB not cover defendants Bradley D.
Maxwell, patricia A. Maxwell and/or B&P Max, Inc, t/a Cold
Springs Inn with regard to the avermentB made and damages Bought
by James M. Baughman in the underlying Amended Complaint and that
Regis Insurance Company has no duty to defend and/or indemnify
defendants Bradley D. Maxwell, Patricia A. Maxwell and B&P Max,
Inc. t/a Cold Springs Inn in the underlying Amended Complaint,
pending in the Court of Co~non pleas of Cumberland County, Caso
No. 95-3715. Furthermore, plaintiff, Regis Insurance Company,
respectfully requests that this Honorable Court advance this
matter on the trial list and enter judgment in its favor for
costs, attorneys fees and interest.
WHITE AND ILLIAMS
BYI
I ,/ J
l C:/((14(- l4.H'(~
WILLIAM J./8 11M I 0'1'/ ESQUIRE
(,
DATED I
~l-17'7'1
2UU l6E4I.WPS
-4-
CiENEHAL LIABILITY POLICY
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,,, 'ft" MIlII !tW. tiuildti an, 11m'''' 1"',
(dllll =Iolon '~"'':"tl:l'"IM '"""" ,"lllllll.IIII...d '" Ill' IlIU"'.'
W... triMht Ih (If " .nri.' ,lilt plio" vllht IRlV'" II) lfld'tfHlilt
"""1M ".. .......1111....'. ...hl'I.'I.
l,llo I... " OIl ,11...1b1t ,..",ly willdl /It. ..I "... "'1",,111 1111.'" .,
, .,trOf04 ,,,.111.. ,....
III . .1" ,. ti Itt. .f pllf.,ml"<I b, ., .. b.hlll .1 ,II. _.. loll'"
.,.., "'","'I" ti .........1, 01
ttJ Iht ItlM' 01 1M -' 1u...I, ,...." "' ."'~ Pt".'''''' bl .,
.. HhllI .f IhI -' Ioati.' to ....Ith. Iml ., pllf.'III.f1<.. 011.111,.
ftl.... ., 11II1.1111, ."III1IM Of ",.....,04 b, III. ..... I......,
b.I"'I, ....1..1.. ...., 1101 flIPl, I. Iol. .1 ... .1 .,hll IIIl,Ibl. P'''PIIII
,,'~ftl ".:;" ~ht ,lIdoIt. .... ".Ido"hl jlh/iiUI III)"" ,,, ., a"',m'''lI1 II
lilt , ...... or ..i\ pt, .,m.d b, .' .. b.h.1I ., Ih.
'. IIIM11.' II 'lIl'fI ..." Of WV,h h... b,," p.1 I. "If by '"'
pinon 0' Of'Il1I,aflon otllt, Ih.. ..loa...; .
In ,. ,""", ....1. . I. lilt ..... I........ ,....." .",,". ..1 .f mh p'od
Ul:ta 1/ .., ,..I of ....h ,,*1.,
III I. P!tfIrtJ __ I. ...,, I"',f.,m.' b, ., .11 blh.1I .1 Ih. 'M" 1..11.'
.rll,i", '"" af Uti 'fJPlk OJ 1ft1 pwtlUfl I"".p( Itl lwl tit In.t.ti,i" p"h PI
.... """"I ''''"l1h.4 ht '.'II1f.n.. 1Il1l,.'lh,
Uti t. dim.... 1l1.lm.. fDf Ut' .UhdllWll. m~Jl..h~h.. 1.51"t, 1.~II{.Im,ml, pI
-
",A
,
"~'.i,;1 ;11 .l"f:fl '. ~fll,lHII; ,. I " )
IlAmrd Ifl\liU,1 '.1" .~" lfild!l~ d IIdlil, ,;;111' ,; '.1,...,.1, ': 'II"
d ,,1111 Ir"d..-f ., I" .'1'1:11 Ill' f.,lIdIVIfI" 'I,' H,' I,
l'.'lllllel' lit '."1' '("d.1i id '.""I,tl !I:J 11t'IH' IJI III Ii! 'i '''' (I" ":II
II) III "dll, inllu, !I' ,llip"1, IIIM_" .mdlN jilll ul liH' li..'/'dll. U'~jlH~.f
1'!rl1~.(, III ,',_ .t1,1> Itl ~HWIlI', Vit.lhl~ ~Illil lim,n _lltL 4!~itlu. IUIII ,htlfl
lull, IIqullh vf .'~n. w..I, m.lt!I"!. vi ~1I1'1 1I1l1.lIh, "jjllIWiift.rlh Ul
pullul.!lh !Illu 01 yplUl Iimd, th, atflUli(.lhfl' lil .lIt .",,1'1 {,it\,l'U lH tlliJl
ul ".Ifl_ hlil 1I11\ ,.lh,\lflfl Iluf' lIfll .f'I,IW II \llfh d'u!.'I.' dl\if'I~'
ItllUU 01 UtlliJ;' 1\ \,,!Jilttll'lId .HllltH!,l
,. rlIION'INIUIIO
t Al II III H., lollllWtf11t l\ "I II....".. Ullllt! 1111\ lI!I.WjHI' lu Iii. ul'Il1 HI l\Jllh
l'l'lh"
llilll Ihf nlm" Ultll'td I' jlt'~l&ll.h'\]!Ii Ihl! del i4IAIIII'l. 1', tfll ,<i.h"i..j! II,!, ~..H\'I"
\I! dUlifuh'll b\d HIlly liIlIlh It\jlfo\ lllllh, Illlldulll,I . ll'i"hl'~~ ,;1 ....k" II lit I', Illft
~"I, 11I\Ij1l1tlllll ,jllill!,r. \1"W~f' \lIIIJr flam.' UUiil'. lll'.lh ,,-Pl-! t !" liL~' 11111,,11
ill \IIi II. uUldHrH
Illi II Ihe 11.11\1' IIIUiI.. !, IIH,);I1<111111 HI lilt' rJl' 1~1,tj;;"h H. .. IHn"f'ld"ll "I
IIHulll,nlllf' tll. Iliillllil\illll 01 IUlIlI ,-,:fll\ll. 'Il dr\Jjjl...hill .hl! 1\. n. pillnfl
01 mlmbtl I"'floll Iwl WIt, _ith Ift.I"I' lil hi' luililiily .. "lld.
II t II Ih' ".I~ IInufI' " dfll1lnl'td Ih Ih, ilUllUlwfIi .' \,Ilft;1 Hi"" ~1 IfI
dIVldll~l, plIllItf\h1p III jlilnt yenlU/I, 11111 lil,..mUll\lII \Ii dUill\i1lt;1 .lld in,
,.'rvtln lllfll ff. dH.dlil Ilf ,hJi ~hlJldf.1 lh,'bl wtlll, Al1ifla 'Iili!ltHH Iii, uUIf'
01 tll~ dull" .. luih
ldl .01 P"lJllil luth" Ihlll 'II ,mploru 01 ftl, ..... 111111../ III iu..ltIUl1bA
..till, A;.11I1j .. ,..I .,,111. m.n'ilr Ill' th. ..... ..IIIiI..
1hl. 1I1"uliAU d{iU /lul IpfJl)' 10 '''II, ....." 1';1 Jf,~t, ....., '!IIoWI I1IIJ
ul th, PJttd\.lll Qf .nr pllln'f~hlp (If Il1ml uflhlil ~f ."Ith lh. .,.." Ii .
,..d"" Df mlmtl" 'lld _hlth II nlll dnl,n,l.d Irllht' f"ililf It . ..... t......
'" liMn. or 11,,"m
! .....dl....1 Ih. PII'"'''' .111111"..... ""de'I"""""'{. III pm."..' .'....
I,ll..' .h. ...1.,. 11"" loj", 01 ,..,.,1, .,..... ., , 'l'"m, m.1It ., iu,l.
bl...hI .. 11.""..1. ""I, 10'"' ., '''''''' 'balli, ",. ,."'p",. 1"'11,1'1,
Is IUllllld at tullDWl
I C...,,,. A Ih. 1111.1 h"'lh'l ., Ih. _p..., ,~, .11 411II"", I"'I.~,",
"'n.,,, '0' Ult .nd llin a' ",ylllI, "UUIt ttl '''ll~ .1\1"' .~.I'in.d .._
un. or <<uu. IlllWnl .. Ihe !..un of '11' OM .u.,,,.... WI I nut ,.lot'" Ih_
limit 0' ...It, Iojll', 111''''''1'''''. i. Ih. "h.,," II I/Iph.tbl. I. .'fIt~
,....,.."
I Jut-In' ta tht ,tltlV' pif~Vlt.jOO '"p'l-tin, "lath In..".."'; tfl. 'tll.1 ti.tullly
., Ih. {limp'" ,., .11 d~II"" ~'UII" .I.I! ~dlt, ,.\", III .h".~ 1Il11 ...,.""
IppllU .hall ,""I, Ill..e Ih. IlIfill il' Ii.,.., tJ:11U1 RJt;i It~ ilit... lfl lhl ~LhtdUl.
.....U....I."
t.u,.... nil hitil Ilitillil, "I In, (,ijm~flr lu. all "11th.... lI.UUII p' .I!
~.,.rt, ........'I,IJ;lill\td h. Dn. flf mpj' "I'lillt IH fU,4ni.,tliun,. .' th. ".\;11
., I., .", IlIt1i"'" ""II "'" "',,' lilt 111",1 .1 ~.rt, ...... 1"''''''1
,....4 In tht idl.dul. .. 'PVl/ulll. lo.."h ...W,....
lull,I'" I>> In. abort PUI'iMO" '"p"IIIi' ;'udl milt".....', 'hi tutilllltblhl.
uf flit (.vfllPill, lwl ,II dIm.,,, b".uU III .11 ,,,,.tt, ...... Iv .hldl Hili tllW
.",_ apa;llu "".11 nul ut.ud Ill. hUlll (it 'f','lf, i"&I' nit>ditr ,I,ttd Ul th,
ldltilulllt ".11111,1.'
h.""" 1 Z.' P 1M Hi. ~UlllJU III d.tIlIl11.ili!llJ 141, hl1ul ..I th. Lllm~'IlH
Iitblhl" all .. ii, Ilthu/. "lid ,n "t, ....... 11I'111f "'ul tif l,IJf.lillllil.Ul III II
fjlll.d U~'\.ll' tv ,ub~ .nll,ll, I , 1IIll' l.ft,I.1 f~lihtumi ~tllli tI, I>lfll'IOtlld
it 1""Il' oul ill iiiA' .t.I>llH.'U
IV 'UlltlIlUIIOU
Ihl' UI\W4lU,' ijJi/hU I.til, I~ ....il. lIjUf' III "".,t, ...... "hid, tJU,\l1l
_Ithi" Ih. """ '.nUt"
~"..
.,
..
4". t
" II'
'" 00 11
(Id U4i
Thll .ndutumtnt hum, . pili gllh'lIuhl y to _1111 II .Illlt I'Ht tlll'lll"" un \h.. If.l tl,liuH It..l' l.1111f ~{jl!~, ufllr\~ ulh'l"IU \I,I,d htl';"
(lM ,....." -.lOIft.,lIo" h ",p.d Old, "h.. II., .ndor.."",,1II ,,,.., uAill.....t I. '""'.,.... III ....., I
hdo'Hm'ftlllt.<II.. 2/15/94 rphl, N. Rl 103963 I~o'.''''''lil No
Bradle)' O. . Patrl, II A. MaKwell . D . P Hu. Ine. AlIMA
NlmtdInIU'" l/A Cold Spring' Inn
AddiIIONl P"m,.m , _,_-1JltJ ,
("0.111I'1'''' ~t -.-. TA;{hi;j~" ..~.MAl.ii;il-'--""
~_."...-'...._><o_
-"'"""'.,-......._........~=
1IIII,ndo'HIlIfnl modih"IIOlh 1I11,,',ml U II IIt.'dld b, Ih. p,."""nl.lthl ~hl' 1t1.1",.lo Ih, \ullo"'1lt
C/IftlItJdM QUlm IlAelllY IQIIAIICI
MAlUACllIIllIlItl COIlIUCIOll. IIUllIlY IIUlaA"'1
OMlU, 1A/Cll0ll0' Ifllll"A"" lilt. 1\ , INllliAllCI
OWIIUlltl COIlllACIOllI 'IOlltIlVl ilia. II , INlllil"'l
llOllUll'UlIISUIAlICI
....11AIl1" IISUIANCI
.' . ----,-'*"""".,...---
p---""~_.---_.,--_....+.,>'~,.-,.""._--...'"'...."._.^--_.,
~I.., IIIlIon_nl
II II lC,ttd Ih.llhf ,111.IKln 1tl,III\IIo builll, ,>It', 10 ,n, '.'I'!"" ,!Ih. ",,"4 'I d.I'!'d lhd "vllltd ~llh, lullll"'"
This InIUl'"'' "" 1101 ,ppl,
(!l toNtl,..., loen, ,mplo,.. 01 lt'l ,mild '"11.' .u1 ,I'''d '" 11<11 U'''' 01'''' I"'V,,,lflll.1 bl Ih. 1111I"1., "h"h!hU'IlII; fllll '"
httd llIblt II .n .mplll," Of In I/1t .Ihll U~II,I"
(i) 10 In, .bltt,lion.' th' .,; I. mil'IIl.,I, 0' unlllb." ",!h .".11111 b""lI 01 d.m"n "'1'''' D.I Dllh, _.dII, 1t1jlI".,
(iii) 10 NdIY 1Alur, '.II.,RId b, Ihl I(IllOll (1,,14 ~illnl O,.lh., ., "1111 011" .m~I<i,,, ollh. ",.... II IIPn,.ou'." u""" Ill.., I.
IlKh tnlpIIl," ,fllln. oul oflnd 1ft Ih. \00111 DI hll ."'plo,"".' ~, 'h. ..,...;,
!1II1 mlullOn flltJllII 10.N 11,"lIllnd '0111 Dr ,n, ~"'u. D' D,...'IlI'.. lu' dlrt'I'" 0.......'..,"....'.' 11l4lu4m. ;.11I....1&1 ,.',
.llIIlo>> 01 "/VIm,
Tlltl "Ikil",n deflllOl .ppl, 10 hlll"l, ,,,.,,,.d 0, lt'l ",...d ulld., III "11d,"h"..If"t
Gl 00 In4 14
tUPl,,.hl Iflloll." ''''"'\ UlI., I., IUl
LUll 1U or 1.1 A811.111 /JIlJ.llUltwrr
I< AI.- I ( II ,'II )
ftalt .fi4Qu,,,Jl\' ~Ul.. luch In.unn(e II II ,"ul'd.J 'Ii till" l'll!l/lIdlllll 1'( HI' li~11t"1
rd.aU.. \.0 \M r~Uwl"l
COHl'IIlJtJ:IIIIVl ODlDIAL LIAlILlTY IUV1\AIICI
CtlHl'LI111I OrlllATIOft' AIID I'lIOWCTI LlAlILITY IftlUlWlel
COIlTl\AC1.VAL LIAlllITY IUV1\AllCI
IWIII,AC1\l1IJ:III' AIID COlfTllACTOU' LI All LI TY U'VIIAIlCI
0lIIl1llt' AlID OO.111ACTOftS' I'lIOTI:CTIVI l.lAlI LITY IUVIIAIlCI
MIN'. WDLOI\ll8' AlID TIllTAlITI' LIABILITY IftlVllAllCI
.
2/15/94 1'101 A, N. .und.r. ".. 'ol'lll
RL 1039&3
. Petrich A. HaxJ611 . B . P Hu, Inc, ATUlA
A/(/
. AuUl.rh.a .1....Wrt
1ll.'UWUI
LDIlft or LUll LIft lIlIUIIAICll
T/A Cold Sprlngl
1\1. ....r....... .,r..II.o
. per. It "U01 10.
....... \0 Bradley O.
Inn
.., ..... lulU'U" llGIIIJUl
...h OOlllr....n.. Lal I
. 300,000.
. 600,000.
'1\0\&1 I'oU., ..........u LlolI
.......u....o()....I.\e4 Opt"'''''''''
::~~=~~t'l.l~ Adm".ln. InJul~. 300,000.
'I I. ..r... 1811 lb. pr..lllonl or Ih. poll., ..pilon.d "L1HlTl or LIAlILIft" t.l.llnt
\.0 ....ll1lnJuq LI.~IlI\" Prop..l, ~.. LII~I1H" por.onll InJur, L11~IUI, .n.
Ad..,,,.I., hJUJ7 L"~UII, lit an, I I .re ....nd.d io nod .. rou.,..
LIlIIl'W ,. ,....q..".
........11.. of Ih. _IlIr or III Inturedl Wldor Ihlo poll., f.) pltlOnl or or.lnl..I'-nl
whO ,u.~ln ~'1r inJury, property d.....1 p.rlonll InJyry or ,dv.rt'lln, InJury, or
tl) Ill." .... or lul\1 brQUlht QO ,c~QU"t or bodily tnJurr. proptr\t d~ll. ,.'lonl1
I.Jw" or "V.'Illlns InJu", Ih. C.-p~l'l .l.bllll, I. llmll,d .. (0110'"
1o?i111 1tJUJ7 Lla~lUtJ. I'ruportJ 1Juo&" I'.noual I.JUJ7 o.nd Ad.orll.l". InJu" LiaUa
1.1 .,.. UallI 0' 1I.~1I1t1 .Ult4 In th. 8<b04u11 of Ihll .nd.,.....nl .. .pplhl~lo 10
....n ..lIIrn..." II Ut. ,"UI 110" .r Ih. COlllp",'. Ih~II", (0' IU d...... Ino.u4lnl
...... tor un and Iou ~r utvl... b...u.. of bodily InJur, Ind prop..I, ........ and
.11 '.r....1 InJu" ..4 Ad..rlllln. InJu" ,u'lllntd b, on. or MOl" p.,.on. 0' o,..nl..tlon.
I' . '.Iul\. or .Il, ..,. .courr'rH~I, providld that wtth rupec\ W It\)' PCf:l,.lrrtnn (or "hiGh
.otlo. .r lhl. polio, I. .I..n In II.u of ."urllr, or ,h.n Ihl. po,I., I. ..,llrl.d "'
pr...' ~t UllInahl r..ponll~lI", und... Ihl provl.lon. or Ih. ""lor V.hl.1I "n.nol.1
a'lponll~1111' Lt, or .., .1'1' or provln." I..h 11~11' .( 11.~llllr .h.ll be ,ppll.d 10
~::~.. th. 'Optr.U 110111 ,.qulr.4 b, .ueh I., ror .~II, Injury LI.~1111' Ind Proptrl,
. . Lla~l1ltl " Ih. u\lnl or Ih. ....r... ttqulrod ~, .u,h 1.., but Ih. ..ponti
.,pUIIU.. of .uoh UalI .hlU n.I In.r.... Ih. IoU1 lion o( Ih. COIIJ".". 1I.~I1I\',
(",) It an1 ...r.p\.. uaount h luhd in thl above 811he4ul. or tht' .ndors....n\. under
"""\.&1 1'\>1101 AMT......" Lion", Iho iolfl 11~1l. or Ilobllll, .r Ih, Co"",.n, ror III
dlJM,,, lnulvdtnt ......... lubJlct t.o thl "PnIlJur.tlwCt.nq>l.Ud Optntlonl, Ptr'Dn'~ Injury
ami Ad't'.rthln. 8ub-Au"..tt Lien ",hh'h (Jecurl durin, tach ao"ual period "'hU. thit
JfOHel II In torc. oQIIIMnc1n. fro. ih .fr.cth. date, ,hall not eac..d thl U.UI of
itabUlt, l"tAl1 In the lk:hI4\ll. vt thh .ndur.eMlit all'Tut&l J'uller Aa&r....tA L1a1\.M.
((I) It &11.)' IUr...t.. ___unt. fa Itated In tta. a\IOVI Schedule tlr thSl elldo......nt, undtr
....,'ooucu-ClAllpl.Ud ("",tIUC}II.. J)'rlou..l InJury and Advfltlllnll tnJul'Y SUb-......u..\.4t
I~'.I\.. th,n, .ubJect t4 the .oove JlrovhlDn rupHlln. "..('h OCCUrlflnclll. \h. total
1I1\1111"y uf the CUlftpA",y f(Jr 1.1 dAM';" we.u.. or "j! \Ic,dlly lnJut:-t (If J,rop.rt.y d&ll\ll"
",Ithln "h. f'roout:U H'llf'd alill within th. COlflphted O!Jf'ralltml Itau".! ronlbln,d, "nd aU
4...... f~r ".,.r.tJll.l InJuryll, or "adver\ t ,I hi IIlJU, 'Y /. wht (h uCt:\lf" dill' 1 na lach .."nUll
ptrl"" "hUI thi. Jl(JJhy .. In fun"' CDllIfIfllt:lul rl"fll'll III etf.t:tl". d.tl, .hUl not. ..ued
thl UaUI of UabU1t, ItaUd in tht ncb.-dul. of ',hit 'tldorUlI'lent II ltpl"oducu"COIIpltt.ed
(~r.Uml't ",nonel JnJu..., Ind AJvuthl1l8 lUJul")' IJub.A&&u....... Liatt.".
(\1) 'or the lAHl'(l'. (If d.hntilntnll ni!!' limit. of 01. C(jJIll'.'I)'I, llahllity. all bodily
tn.1YfY, ~1.~I"lly d......t 1Iil'IIuIllll Itljvr-y Iii "I .dvlrl.l.lli~ Ifl.IIJII .r1l!"~ oul. (,f l'l;n\.lrl\WUI
",r , _'>lP. t fill '1II'I/lUI' to .\ihlllllltlall.v tliP 1'1/1." ,t'ltt't" ~ ({"I'll t I (,I.!t, at II. ~ t. u,nlldll'.d
aa ...hhl& (lilt uf ull. Ot'tijlffnrlt.
REGIS In.urallc, COOlI'"'y
RA8 23 (6/91)
Thll .ndorum.nt tonal a part of Ih. polley 10 IIhlch it 11 attach.d, "he-
llve on Ih. Inc.ptlon daU of Ih. policy unhu aUud olherlllu h.uln,
(Th. fo11olllnl InfofmUlon Ie uqulrod only wh.n Ihh .ndoru..nt 11 luu.d
.ub..qu.nt to Ih. pr.p.ratlon of the polley.)
to~' . p.rl at Policy No.
U15/94
RL 103953
, 12101 A, H. .t.nd.rd tlm.,
Thi. .ndor....nt. .tt.ctlv,
IlIu.d to
Bradley O. & Patrlch A. Maxwell' B & P Max, Inc, AT"'IA
T/A Cold Sprlngl Inn
AUAULT AIfI) lAnaI! DCI.USION
In con'ld.r.tlon of the pr..lllm ch.rlod for Ihl. In.ur.nc., It I. und.r.tood
.nd 'IU.d that the policy 10 IIhlch Ihl. .ndon...".l II .1I8ch.d h ..,nd.d .nd
.odltled a. tolloll'l
Action. .nd proc..dinl' 10 recov.r dlm..o. for bodily Injuri.. or property
d.m..e .rhln. trom the fo11owllll .re exclud.d from cov.raa. 8nd the Company h
undar no duty to d.f.nd or to Ind.mnlfy en In.ur.d In any acllon or proc..dln.
,llelln. .uch d'.',"1
1. A...ult .nd Balt.ry or ony act or omtuton In connection lIith the
pr.v.ntlon or .uppr..elon of .uch .clal
2. Her.tul or off.n.Iv. conl.ct belllo.n or .mona tllO or ..ore p.r.on.,
3. Appnhenlion of hat1lful or offonllve conlBcl botll..n or e..onl tllO
or .ore p.raon., or
4. Thr..t. by word. or d..da,
Thll IXclulion '1'1'11.. ua.rdl..a of Ihe d.ar.. of culp8bilJty or Intlnt .nd
IIlthout r'l.rd tal
A. Whither th. .ct. au alh..d to b. by or at the Inatruct Ion or .t th.
dlr.ctlon of th. In.ured, hie officer.. employeea, 8aent. or ..rv.nt.,
or by .ny other p.raon lawfully or olhorlll.e on. at or near the pumhe.
owned or occupied by the in.ur.dl or by any olher peraonl
B. Th. all.a.d failure of th. inaur.d or hi. offic.rs. ...ploy.e., ...nt. or
..rvant. in the hiring, .uparvhtoll, uUntlon or control of .ny p.non.
wh.thsr or not sn officer. employ.., ..enl or aerv.nl of Ih. In.ur.dl
C. The .Ueg.d hilure of the Inaured or hh offlcera, ."ploy..., .g.nt.
,or ..rv.nt. to .ttempt to pr.v.nt, bar or hall .ny .ueh conduct.
.
Thta .xclu.'on app'lI. as well to any clat..e by any other ponon. firm or
organt~etlon. aseerltng rl.hts derived from ur cnntlngent upon any pereon ....rltn.
a claim exclud.d und.r Claua.. A. Bur C (ahove)1 spoclfica"y excludln. frolll
cove rag. clai... fori
I. Emotional di.lress or for lnas oC soctsty, servlc... coneorllum and/or
income,
2. netmbur.e..ont Cor expen.es (Including but not limited to medical .xp.n....
hospital expennes alld wages) pal<l or Incurred hy Bueh lither p.uon. flrlll
ur organlzatlonl
3. Any obligation 10 share dnmage. wllh or repay aomeune whu muat pay dellla.e.
heeouan of the Injury.
HAil 21 (f,/91)
(,II )..1.'11
Ib II!))
TlfIS IN(JOH5fMlNf CI/AN<i1:S TIle POLICY. PLEASE RrAD IT CAREFUllY.
It 0;' 41> Oll B!J
PENNSYLVANIA CftANGES.-"CANCELLATfON AND NONRENEWAL
ltll', ~lld{)lllt'IlIt'IH IIHllhfllH, IIl',llfaflrt' JHlIVHII'd Ulldt" 1t1l' folluwmll:
lJ01t11l ANll MACtllNlllV UllilIlAI;1 "AllI
1I1j~;INI5~;OWNIIl:; I'uucy
COMMlIlCIAl AlJlO UJVlllAlil "Alll
COMMUIC'AI CHlMI CnVlllAGI "Alll'
COMMIIIC'AI m Nt flAI I I All II Ill' COlil IIAI,1 PAIlT
COMM! llelAl "'WI'( IllY COVfflMil PAlII
COMMlllCIAl INl AND MAlliN!. COVI. RAc;1 PAri I
fAIIM [OVUlAr;! PAIlI
IlllI lOll IIAlIllll I' COVI flAGI "ArI r
I'IJIllJllON I 'All II Ill' COVlflACil"Aln
"1l0I1lJrT',/UlMPII JlllOl" IIA liONS llAfJllll" COVUIAGE PAIn
. 11"., ,'"d,,,.."","'"1 dlJ''', IIlJl "I'Ply 10 (()\<I;ra~" pwvlded 101 employee dlShonusty lCovelage FOil" Al or
pI/hili 1""11111\1'" 111',1I11lW'.fy llll\lj",t~p f mfW, nand P),
A. Ill" CANi'111 AII,lrj 1,'"11",," "01(( Y 10Ildll((II' "
f('pldU'tf by !tH' IliHlllNllll:
CANCll.lAlION
I. I,,,, III~.I N.lIll1'd 11151111'1! 5hoWIl "' III1! n"elar a
IIOflll IIl,JY LHH 1'1 lfw. policy hy WlltJrl~ Of MIVInH
notJLl' of C.1fllt'/liltloll
2. CANctl1 A liON Of POliCH 5 IN IIIICT IOn
liS; tHAN W [JAYS
WI! IIldY till" "I III" policy by malilllQ or dlllivel'
"'v. Itl lhe Ii".1 Nallwd 11l5lJlf~J wllltell llotire of
C.lI11I!lIalioll al leasl 30 daY" hclore 11m t!ffllclive
d,lfl' of GlflCl?lIahon.
J. CANClIIAlION Of POIICII S IN In I CI rOll
1>0 DA V'j 011 MOIl!
II HII':' polir y h,I', bf'I'fl in dtll( t IOf fi} fI,lVS or
Im'lt' or If 1I1l'l pullf y I~. it ft,'rlewallll d poliCY we
1",',111'11, WI! may ral1n~1 thl~i policy only '01 nnt!
C)I fllOfp 01 tfw fullowlng rPiY,IJIlS
.t. '(fJIJ 11,1\1,' lIIf1dp a 1I1,Jh!lI,jf tJWlft'Pff".f!fllillIOn
....Illl 'I .Jlfl'll', Ifll' 1l1t;tHiltHlily III fhe 1I"lk No
III (t of ( .If1l t'1l,JItOll will lw f11.tlh~d IH dpl,v
I'!l'.' ,II h',I',' I~, d,JYi, lJf'fOfI' ifill l'lfl'(:IIV"
doliI' of I .HlIl'll,tlllJll
tl. Yllll II""'!' 1,1111111 to p"y ,IIHPlIllIJlll wilt'" dw.',
WIH'IIII'1 1111' IHl'f1IItH11 I', II,IY.lIJ!t. dllf'l fly 10
II', ii' 1l1l1 ",,~"IIl'. or li1dlll'llIy 1/lldl'l.1 'IfPIIII
11111 1111.1/11 "p1.111 ,,' ",ll'fl'dllllol 1.11'1111 No
II'" ", po, j.tf.JllutI ...111111' III.1l11'd ," h'.I'11 II,
dl~ . 1'1,1, I" IIII' ,,111" Illt'., d.111' ill ' .1111 '"
I il" ,
r-'~..".
/II'J1"tfl..V n
c. A (ondlllon, laclollll In~~ e.pc, "'1\1 c Il1.llc
11.1110 lfl,>wab,llIy ha$ cllo1n~ed substantial
Iy or a substanllal condition, rac.tor UI loss
e.pellcncc malellalto insurability has be
come known durlflll the policy pellod. No
lice or cancellation w,1I be mailed or
delivlHell atteast 60 da\"!i helore the cHee.
tlvc datc of c.lncellallOn.
d. loss of Ie Insurance or a subsl,lntldl de
crease In remSUlal1<:e has occurred, whICh
Iuss or dIK,ease, atlhe lime of cancellalinn.
shall be cCltllierl to the Insurance Cormnis
sillnr.r as directly aHectinQ in force poliCieS.
Nollce 01 c:'1ncellallon will be mailed 01 de
livered alleast 60 days helme the e"ectlve
date of cancellation
e. MattHiallallllle 10 cOlliI'll' Willi policy lellns,
ron<lltions (J/ contractualllullc',. Nollce ur
tallcclla'"lll Will he mailed or (It'liv,,,,,,1 at
Il'ast [(I <tlys heln,e IIle .."..dive ,bit! of, ,1n
fellallon
f. Diller 'P,I'IOlI~ Ihat ItIP IIl'JIH,H1re [oronll!i
')10111'1 fIlay apP,o\{I'. Notlu! of cancpllatlOll
11I',11 h.. n""It'd or dl'liVl'ItJd alll'd5t 60 'faY'1
tH'Imf' tlw tdferllvl! diit(' of f'=JI1ccllallou.
I his l10lILY III"Y ..\-io hI' , allll'lIt'd frOlll III( ell
fltm UI}Clllljl',(llV(~fY Illiilltu- lJOliry was OIJl.1Iflt!fj
Ihroli~h If ,llJdIJll'J11 '.t.JII'1I1flllt'l, 1Jf1l1'II)IOWI 01 (011
(:flilhtwrlt 01 lilt h fl\"Ii'fl,tlllllht' .If I ('plfl111 " of
Ihl! f1',h)" Irl !tll' 1I.IIdld ,1<,',IHIIt'tlIJl; II',
4. WI' will 111.111 'lI d"'I'~j" '"'' IInllll' to 1t,1' '"',1
rl.l!Ill'd 11,' IH"'!' ,! I' 1:11 1111/1.' "I,ltl".', ~Il' ,WtlltJ
.,1
.
II', Nolll!' III I ,1111 t'l1,l\lI'll ~ill ',1111' It t ',1'1'\ JIll
11',",1111', fill t ,11111'11.111(\11
S, Nol,( I! of raorell3\1(1I1 W,II ,',III' 'lie 1'111'( I'Vl' 11,111'
III ( ,JlH 1'11,)11011 lilt' I,ulll .... 1'1'1 Hid ~.1I t'lld (\1\ Ih,lt
1l,111'
6, II IIl,~ paltry IS raorell,',1 Wf' will ~eollllll' 111\1
NJI1Wti hl~UfC(t Itfly 111('111111111 If'llllld dill' II wt'
tdlH el, the IrlufHt ~III tlt' pIn 1,11.1 .)1111 will hp
IPlumed wlllun 101111\1111",1,11,1""'1 ,llh'l Ihl' rtlpr
IIVli (1Iltt' of (r\IH 1,11.1111\11 111111' 11'\1 N.IIllt'lt III
\wrtl (dill 1"". thl' Il'hjlIl111'oI~ Ill' hll,l~ ""In plO
l.lld and wIIIIJl'Il'lurfll'11 WIIIIlII .HllI,ly'J IIIll'I Ihtl
I'fh'( IIVI' ddlt' 01 (.lIle t'U.tllllfl 1 tH' I .tIlt rll~llofl
~1I1 Iw rtlN live' f~\'f'lI II ""t' tI,tv., 11111 fH.lthl of
olll're\1 a ref"'HI
7. II nohll' 1'1 flldll('tt II Vwllllil' II. 11,.:,..It'Il'tI tH 'lit.'
I 1.l'.!.I1MII flloul {l11ll.1llln~' ,^dl 1'1' 1,,,111111'111 IHOJI
"I nollC r
8. I Ill' lolh)""llIH .Ht' ,lilliI'll ,Illlt '011111"',1'11.' dfl" p'OY!
\1011':. 10 tlw fon1ft1fV
I NllNR1 NIWAI
111\1' dl'lldl' flollll ,PllI'W 1111', IHIIII~' ~l' ~dl 111.111
'" IIl'lIvl'! \\III1I'/l nullle 01 rll)III1'I"'I'I,II, ,1,1111'8
lIu' "pprlflf fl1.1r,()fl" fll' fl(HII(IIWW,ll. 10 Ill(' ru",
NJIIIl',1 III~("I',I.IIICJ~1 UJ (I,IV' brlolO'IIH' f"I"
lalloo dale ollhl! pollcV
2, INCREASE OF PREMIUM
" Wll 1It(ICd\C Vour tenCWil1 PI(~fIl"J"', Wt~ will
1Il",IOl Ilellvel 10 IIle fll~1 Nallled 11l~"'elj
I Wllllell llllllrr 01 Ollr "IIelll 10lll(lea~e Ihe
l"f'1Il1111l1 al 'easl 60 days helo., Ihc ,lIer
l,vI' dall' 01 Ihe prell"um "'(lea\" an,1
b, An e\hm,llc 01 Ihe IIlCleaSe alleasl ]Ollavs
helare Ihe clferl,ve dale 01 PICllllU'" ,n
('ea!>>f'
Ally "otll (' 01 flOfuenewal 01 renewal pfrHlHHI1
IIIl 10',1\1' 1'1,11 he lIla,lell or dellve,cd 10 IIII' 111\1
N,lflltll1lrl\Uflld\ la!.1 known atJd,,!\\ 1I110lu ('
,\ 1Il,IIII'd, ,I 1'1,11 he IJv le8'~II"t'l1 o. fll\I Ila\\
""'II "fOlllnl m.llh"H wllllw \Uflllll'lll limo' 01
nulu r
.
I
110" II,lIUIlQ ..,....
I 'f Q 1.("'''
Thl. .n.o'....n. f~"" . ,." .f 'h' ,,1'., If whl~h " I. .'I,~b",
,""llv. on 110. InG.pll~n ".1. of th. polll' wRl.., '1,..4 ,.h.IVI.' h".I',
(Th. 'ollovln. In'ol.,llon I. r,~wl'" ,nl, Vh'R Ihl. ,.,,0'.....1 I.
1..II.d .ub..~II.nl 10 Ih. PI,p"'Ilon " 110. ,oll'Y')
fhl. .ndol....nl, .".<11..
'one. I pl,I of poll<y No.
UU/94
IiL 103953
UICll ..11.
.un",," UM
IUII.d 10
IIr,dl'rll. , ',Irld. A. M'J...lI , P . , loIu, Inc. A"~
l/A Cold Sprlnu, Inn
IIAIU~fl(l. UIUII lIUU ;;1f11(.l.....1IT
In Gon.ld.r.llon 0' 110. ~...Iua ,h.,..d 10. 1101. In'lI,an'a, It I'
IInd"8Ioo" and lar..d Ib.1 Ih. ~ollq 10 wht,b Ihll Ind......"1 It IHuh..
I. ...nd.d Ind ~.lfl.4 .. '0110""
Th. In.ur.d, II "fl," .. ...y LI 11..,,0.Lly '1~"1l.4, ,".11 .oL,,1l III III
....In.tllI'. under 011 h by .uy pu .'''' 11....4 Ly lb. ,..lIp.ny .I\d '\.lb.u lb. u ....
.nd ,10,11 '..01',,'1' ..llh Ih. (:..lIp.IlY III ...., ..110" po..lbl. .n4 .10.11 "ovld.
110. Coop...y ..Ilh .ny dOCO'''I,lI 11011 10 Ih. '010 ""H.II..o wt Ih. (:<llI!P'''' II
,on.ld.,.d 1.1...nl 10 ~. p.eduo.d Ly .h. lo.n..d '1 .".h I.....o.bl. II.. .n"
ph.. II dul,o'"d \;, Ih. 1:...."'0' .od .h.11 1'''01\ '01'1.. Ih.II..1 lu Il. .."..
. " I; 1.16,,1)
ti I I j_
'" '-Iii
kIWIS IH~UIlAHi:K U>>tI'AHY
1101. '1~,"""h'"1 '.>lm.. 1'.11 "' II.. lillllcy lei "hl\h II II '11I,h.4,
.'I'Cllv. 1111 110, 11I"l'lluII ~'l' u/ 110. l'ull'Y 11111... .1.I.d olh.r"I.. h.r.l"
(lh. lull.."III, IIIIulI-Hlgll II r.qllll.d ..nly "'10," Ih,. ."dllr.....nl ,. 1,,".4
.ub..qu'"l 10 Ih. pr.p.r'llun ul Ih. poll'Y.)
Thl. .ndur.....nl, .tl.lllv.
Ulb/94
Rl 103963
Il,OI IlI11dl!d "II' '"1'''
. 1'.11 01 Policy Hu.
8radley U, . Pltrllla A, Huwell . P . P Hu. Inl, ATI~
riA Cold Sprlngl Inn
Thll .n401.,...nl mudlll.. .uch 'n'"lln.. .. II ,tlurd.d br Ih. pruvl,'c;n. pt lh.
pulllY r.I.IIII, II Ih. teillu"ln"
IlIu.d tu
COliPRI!.HtHliIVE (.(HIHAL tlAlIl.llY IHIUMHel
COHPLITlP OHMTlOHIi ANll 1'~(JDIICTl UAIllllV IN.UUNe.
rON'llIACllJAl. I. I All L 1 'IV I N~UkAHCI
HAHUfACTUURS AlW IOIH HAVIllHli 1.1 Aft 1I,IlV lH'UUNea
OWNIRI ANIl WNTIlAClOHli I'ftOnCTlVI I.IAlll.I'lY IUIUIIA"CI
OWNERS, I.ANlIl.OftDli AlW HHAHU I.IABILllY IHliUftMlI.:a
filiI' 1.IA811.11Y IIUUIlANn
PllUoNAL ANP AllVlftll Ii 1 HG I HJURY LI A8I I. IlY INluwca
PIIIHII18 HIPltAI. PAYHENTS COVIRAGI
UDAll rOIll1 COHPRllllHSlVl 1;[tJUAL I.IAIILllV tHlIonalllllT
"..~...~=..~"....'.~_._,"...".~_.._-_.~-~--------~.._._._--~.....~._.-_._'-
APDlT'OHAI. coyallAu. . LUll CO/ffAJUNATIOll I.IAllI.ln
Th. followln. Qov.t... I. .dd.d,
I,JAIl COHTAHINATlON
.
1, lp.ut(u. A.r....nt.
.. W. will I'lY Ihu.. .un.. thll Ih. IIl.Ulld ~.u.... 1..,lIy 111011'111"
lu ply I. d.ml,.1 ble.u.. 0/ "~o411y InJIII," .II.In. lIul II' lh.
1111"11011, 1111,111'1011 U, '~"lfl'tlOIl ot Iud III IllY fo.., \t.
h.v. Ih. rla"l 'lid JolW In d,'.nd .ny ",ull" .,.kllla Ih... d......,
W. may II "u, dlll,.ll"n l"VUII,'t. any "O"Ulll't.'1 .ntil Ulll.
any dall" UI ".ull" 11111 mlY ,"ull. IUl'
1I) 'l'ho am""", IN "j II I"W I'" d.ml,U I. \I_II.d ..
da,cllb.d I" tlHl1M Of INiOMANCI .. mudlll." by
thll endtH iiHh&illl i otutJ
(1) Ou, tl.h, ""J Jllly \" J.h"d ond ",ha" w. IlIv. "util
"I' th. 1/'1'11,,;1;(. 111111. "I 11I0"lall'" III Ihl pay...nl
ul jIJdr.f;lfT\\,lit *, iloft t li'HHillttt tll tJU'lflif... L'uttt int:yrrt4
hy Hti.
lijl i ','1,'1
.'_'h'fC; I _,t J
arc IJ (V,vll
lIOII INIURANCI COM'ANY
rOLICY NO,
RL 103953
Br.dley D. , p.trlcl. A, Hakw,ll , B . P Hlx, In" AllHA
T/A Cold Spring' Inn
ADVIIOI' NOTlel TO 'OLICYVOLDII.
UIUltD lOI
Thh h . .\lftIlary of ch.nl" In your 'olley, Nil coy.nlo II proyld.d IIy
this .u....ry nor c.n It b. con.tru.d 10 'opl.e. .ny proylslon of your polllY'
You .hou1d ,..d your polley .nd r.yl.w your d.el.rstlon p..a for co.pl.'.
Inform.Ilon on the eoy.r.... you .r. pfll~ld.d. If th.,. I. .ny eonfllct
batw..n tha policy snd thl. summ.ry, 1~ rlOVIIIONI or TUI POLICY 'BALL
'''VAIL.
YOllr r.naw.l policy conl.ln. . cov.r'I' Ilmll'llon for .n, Il.blllly cl.l.
InyolYln. I..d or l..d p.lnl conl.mlnollon, Your Il.blllly In.ur.nea cov"'"
will p,oYld. up 10 "0,000 of bodily InjulY tO~'f'I" (Inelu4lnl 1a..1 eo.I.),
',0' .ny l..d eontllllnlllon clllm far wllleh you .n h..lIy Il.bll,
Addltlon.11y, 1101. INSURANCE COMPANY will ,omplal.ly ..ellld. COYa'.I' for
bodily Injury "ollltlnl from I..d conl.mln.llon fallowlnl your n,xI ,ollCY
r.naw.l. This m..no you will h.v. Ih. Ilmll.d 'a~.t'I' lor "0,000 of bodily
Injury II.blllly In'lIr.ne. (lncludln, 1.,.1 '001.1, for IWIl YO.r" If your
cov.,.,. 10 contlnllouo wllh RlGIS INaURANCE COMPANY for Ihl. po,IOd.
You .hould b. .w.,. th.t Ih. Inj..t.tlon of I..d p.lnt by youn. chlldr.n esn
pOlanll.lly r..ult In ..rlou. br.ln d.m..., lh. I..d p.lnl h..lth hs..rd
un b. nduc.d by nmoVln1 lh. l..d p.lnl, ItEGI8 INaURANCK COMPANY will
proYldo Ilmlt.d coy.r'I' for Ih. n'.I two ,..ro lu alYI you Ih. opportunlly
tOI ch.ck your prop.rty for I..d conl.mln.lluIII .od, to .Ilow . r..ooo.bl.
..ount of t hll to nmllY' Iny I..d h.... d.
....mb.r th.t thlo polley will cool.III . lul.l o..lu.lon fot 10ld ,onl.mln.tloo
In two y..r., .nd I p.rtl.1 Ilmlt.tlon .ppll'o .ff.etlv. wllh thl. policy. W.
.u....t you l.k. lotloo .. .oon .. potolbl. to Id.otlfy snd r.mOYI 1.ld h.,.rds
to prot.ct your..lf f,om I pOI.nll.1 ll.blllly ,I.IM due to 1..4 eontl.ln.tltn,
.TC 13,(9,U)
exhibit B
Milas I nsu,,"c. ("IO.,.ny
MAR n (6/91)
1'bl. on4..u.....' lur.. . 1'.'1 uf Ih. pullty to vhlch U Ie a'Uch.d, .ffac-
Ilv. u" Ih. 1.."p,lll" dart of Ih. l,olllY unh.. .t.U4 oth.rvl.. h.nln.
(Th. follovllli Infll,..llon I. ,.qulr.d IIn'y vh... thl. .nd..r...."t 'a I..u.d
.ub..qll'''1 I" Ih. p..paratlll" III Ih. pullty.)
fh'. .lId..r....nt. .ff.ctlv'
Z115/94
RL 103963
. IZtOI A, H. .,."d.r4 tl..,
f~r.. . pa.t gf rolltY M".
luulll 10
IIr'lIl.y D. . p.trlct. A, Huwell . B . I' Itu, Inc. ATI""
T/A Cold 5prlngl Inn
....ULT UP IATTlay DeI-UllOM
In eon.'4a,all,," III Ih. pr..lu. ,h.r..d lur Ihl. IIl'U""", II I. und.,.t....d
anll a,..1II lh.t lh. pulley lu whl,h thlt .ndur....nt Ie all..h.1I It a..nd.d .nd
...111'1.11 .. 'ollov.,
.ttton. .nll prut..~lnl. tll ,..nV.r d...... lur bod'ly InJu,',. or prop.rty
41..'. utatn. tII'. Ih. lullm,,11I1 ." ..dud.d Ira. cov.n.. .nd the Coal' any fa
IIn4a, nu duty III d,fond ,., 10 IlId.wIIII, "' 1"'lIl1d In any a<llo" or prllcu4ln.
Ill.,ln. .lIdl d....u.
I.
...ault .nd 1.II.ry or ,,,, ..1 ur ...I..lun III 'OIlIl..,lulI wllh Ih.
pr.v.ulton IIr .uppr...lun 0' .ueh .tt.,
Mar.flll ur gff.n.lv. conl.,1 b.lw..1I or ..011' Iwo ur .or. p.r.on.1
App..".n.ton of har.lul or oft.n.lv. contatt b.lw..n or a.on, two
or ....n "a'lon.1 <lr
TII'u" b, lIurda or d..da,
2.
},
4.
lhll Uclllllllll ai'l" I.. ".udh.. 01 the d..n. "f ,u1p.btllly or Intent and
IIlthuu~ ,...,4 101
A, Whslhar Ih. .el. a" .Ih.'d lu L. by or ar Ih. 'nollu.llolI 0" at Ih.
dl,..llo" of Ih. III.U,.d, hi. o"lc.,., ..plo'..., ".111. or ..rvant.1
0' I;y 1111 olh.r IJaloon hvtulI, o. olh"vl.. 0", at III n..r Ih. pnata..
ulIll." or occu~ltd 10, Ih. In"llodl or b, any olhll par,olll
I, Th. al1...d rallu,. 01 Ih. 111...,,01 Ilr hit offholl, ..,.."y..., a..nU IIr
..rv'"I. III tb. blr'n&, .up.rvl.lolI, ..I."tloll or c..nltol of any v.,.on,
vb,lb.. or 1I0t all olll..t, ...plo,.., "'111 or ..rV.1I1 0' Ih. III.ur.oIl
c. TIi. Illt.'o1 tallo,. of Ih. III.ured 01 hia offl<:"., ...ploy..., ."1111
ul SII v.nl. I u .11 "'1'1 10 ,'IIV.III, Iou eH h." .", ...cb cOlldue',
11,10 ""USI.Hl 'l'l..la. .. w.11 III .11' .hl,u b, .ny Illh" PU'"I1, fir. or
tlIW..ut"..ltuii. ""...l.1ulI .t.htM d.,lv~tI "0m UI fOHttuM"llt UPUII any p.r.un ....rtlol
. <\.1.. ...Iud.d olld" (:1,..... A, R "' C (.Io"Y')' ",,,-111.,11, ..d..dlll, fro.
,-"v."_II' L lat.. t'II'
I, t."II,,".1 dl.t,... or for In.. "f ."tl.ty, ..'vl.... rllll.ort'". and/or
t h~u..'
J. ....'bul......1I1 fll' ..,,,,,.., (1"1'''..11111 h.H IIllt 1I.II.d 10 ..dle.1 ..1'.11....
t"..~II.1 ..1'.".... ."d wa...l paid "' 1"l'lIrr.d b, o".h olh.r 1""011, fir.
4H '11 M..d 1M t llUlI
l. A"1 t.ldl,allolI III .h.u d....Il.. wllh III 1'1'" ,,,",,,n. who mUll p.y da.a."
1'0'0",. ..I II" 1111"'"
MAR n (to/'ll)
exhibit C
14. Au a direct lOIlUll. or his injurloll, I'laintitt
hAU !ncuned and may horeatLur lnolu' mediclll tlllpul\811S llnd
lnoome IOIlUUII.
.
CQIJli'L.l
ilAKU,Ji._llAUQllHAtLn. JMllfLD. I\U,,"1i
ABIAULT-AND-DATTERY
,
Ill. !'acllgral,hu 1 till uuyh 14 IIro Inooq)()rtlted herein
by rererenco and nU'llle Il part hereof.
16, '1'ho Ilfureuaid /lctlons of Defendant., JAMES a,
ADAMS, wore intuntiona1, wllltul, reckless, and diuctly
caused I'lftint:1ff to be in gr/.lvu foar for hia Ufo and for
.
hiu own porconal utlfety.
17, 'l'ho tlrol'uuaid /.Ictiunll of llofendunl, JAMES II,
ADAMS, wore commlltllll IllJainul tho will and consent of
"
..
l'll'lintif f.
10, ,~O aforosald lnjuriuu of Plaintiff woro cauued
floluly by tho nwklfHHlnllull nlld wlllfulnolJEl of Ilefendant,
JAMl!:ll II, MJJ\Mf.l, ami ill IIll WilY were caused by Pin illti r r ,
WIII!:Itii:f'OIlIi:, l'ialntHf I .1 JIM ILIl M, IIAIJOIIAAM~ domalldll
judQmllllt of Dafoudllnt I JAMIW II. ADAMfl, for {Junural damagau
in all amuullt 111 llXCll!l1l of '!'wtlnty Five 'l'hoUlli'lnd Dollars
($25,UOU,OO), tor INnllivu damages 111 an amuunt in excess
or 'I'Wtmty f'lv8 'l'hOUl!Ifllllt (Jollnrll ($25,000.00), for cOlltS ot
suit, and tor whatevllr further relief the Court may deem
.
4
tlppl UpdllLu,
~ULltit_U
ill\HU... tk.JlAUI1IiM1\ILv .1UIIlUt HAl.WfIAL lltll T HI, tw\UWllU
t/d/h/o COL~ IrltHQI_lHU. tNC.
LIUUOlllilAlU&.ny
Ill, I'/utl\llilphu I Ihlou\Jh III dill IlH:OIlIUllllull IIlHtllu
by tutanmcl! 1111I1 1I1/Illu n litH \ \ hUI uut ,
20. At tho IItullltJlllll Ilmll lIu.1 1,111110, Illirlfllllolltll,
ltOB~lt'r HAKOWUKl lIulI '1'../, HAKllWUKl, \./11/11//1 (,OW ill/lUNGS
INN, INC., throllyh Ihull illllhllth:ull lI\1IlUlij, Ilurvontll, Ami
Ilmployeull, III:llu\I wllhlu Ihu ".:ol)U Ilf Ihull ..ml1luY\lIlIlIt,
suld and lllllvull nlcohullc bUVlllllYIIU tll Iluttllldllut, JANJ.:U 8,
IIDAMS, WhllU IlllfllUllllllt, .JAHltU II, AIIANa, Willi vlllltJly
Intoxlclltllll, loud, bolutulollU, IlIllI cOlllhllllvlI, cOllttluy to
the provllllollll of thu I'lIuullylvlUllA 1.IIluur ('",Iu At 4" 1'./:1.
4-493.
21. All a dlulI't fllI,\ p1UX11Ui\lu ItHOU1t of Ih.. afulllljlllll
Actiuns or Ilufllllllllul/J I II 011 l!:It'I' HAKOWuK 1 /lUll 'I', ,J, HAIUJWUK I,
tldlhl/l COW tl1'1I1t/Oll 1I1ll, IUI'" l'ltllull tf IJllffulllll Iho
lIforlllluhl illJullou.
WIIERIU'OIlE, 1'1/1ll1t1lf, .JAHIW H. IlAUlJIlHAH, llulIlll lid Ii
jUdgment ot IlUfUlIlll1"t fj, IWIII!:Il'l' HAKOWIlK 1 1111I1 'I'..J, HAIWWUKt,
t/d/b/ll COLli tll'llltWIJ 11m, IN!.:., Jullllly ,,"11 uftvtI.ally with
the Ilatollllftllt, JANli:Illl. AUAHU, till y_"...1 IlulAll'. in 1111
"mollllt III IUlCUll1I uf 'l'w_lIly I'lv. 'l'ho" II 1..111 Po 11 I""
.
I)
(sari,ouo.OO), fUt (lO"t" of Mult, Aod for whlltuvtn furt.h.f
tuHut thll Cuurl llI/lY duom ftW1uLlrllltll.
.
(;QUft'l'..Ul
.JAHe:'_H.~JlAUllllHAIL.Y ..IlWllR't.JtAlWiIlLln4..T...Il..lfAlQltlJU.
tLdLbJiLk01J}.ll'lU"lJ./l..lWt,-lH~ .
HIQLHIII:wa
;1;1, PAtftglaphs I \.llluuyh H au Inctnll\)fftted hlueln
by tflterence and 1OI\lIu a pll r t haluof,
23. At tho t1fOltHlIlId limo o/lll 1'1Il1)O, DefendAnt.e,
RODII:R'l' HAKOWIlKI al\ll 1',J, MAKOWIlKI, t/d/h/a cow Ill'lUtma
INN, JtlC" throuuh tllBlr authot 1"0<\ auants, lJurvalltlJ, llml
employeoQ, al:lilllj within tho 1l\10pO of 1.11011 ulnploymunt, hAd
HIIlPon t.u hUllllVIl that Ilofllndilllt, ,1AMli:1l II. AllAMfJ, wall 11
(181'1100 ut known vlulunt 11l0panllitllllO, lllld 1IIlllpllu thAt
knowledge, luok nu IlIUllllU1UIl whllt IlUuVlll tu llV II~I llotlltllllmt.
JAMEfl n, AIlAMIl, frolll tho /luhjact (1lUmlu6u, or to t.llko
whntuvor lllll:Url.ly IIl1mlllllllH lhal wot II nlH1IHHJill y tll (Illlvunt
tho afonHlllld IwUonll uf lluf!llHltlllt, ,1AHti:U II, MJMoIfl, whIch
diroctly nlld ptDlcllllUtuly cauIJtld thll nfllttltlll\ll IlljUlllllI to
1llointiU,
WItERIi:P'Olllt, llllllutltt, ,1 AH IUI M, lIAUOIlHAN, denUlIlllll
j udumllnt of ll11te/lllllntll, 1l01l1i:1l'1' MAKOWllK I IIIlQ 'I', ,I. HAKOWIIKl,
t/d/b/tt COLD Ul'UlNml INN, Itl(~" jointly ftlld IlIlVlltlllly with
6
IIA/,n"Uti' 'A'UIl'"
..... UlIt~. l' A' I ......
IlU"l'lIl
''I'. ','.d",1 ...."111
,."" I.' I:',
.",.
IN '1'1110: colin'!' Of COMMON I'I.EAII O~' CUHDERIJ\ND COUNTY,
PENNSYLVANIA
JAMIt:II M, PAIlUlUIAN, I CUll No. I
Plaintiff I J
I i 11' ) (./4 ~'C.A'lq~ ;' t tlr--'
VII. I
I
JAMKII D. ADAMS, Individually, I CIVIL ACTION - LAW
and, 1I0DEII'I' MAKOWllK I, ami I
'!'.J. MAKOWllKI, Individually, I
and t/d/l>/lI COW Sl'lllNOll I
INN, INC. I
Ilofondllnts I JUIIY 'I'RIAI. DENMlDED
"QTl~~~Q~riHU
YOU IIAVE DUN SIlIW IN COUltT. If YOll wlllh to do fend against
tho cIaimo lIut CUI th Ln thu fon.!(JoLn\l (llll,l06, you must tllku
aclion wLthln twonty (20) dilYs Ilttllr thio Complaint and
Nollco /In. /JIll VUlI, by unturLng d wlltlon nppollrancll
porllollally 01 by nttolllUY /1/1(1 flllllY in wrillng with tho
Court your dllfunlluf) or ohjucliollll to tho claima sot forth
IIQIllnllt you. YOll tHo Will nO(I th/l\. it you fl\i 1 to do 110 tho
CI\1l0 may I'ltwlllJd without you 1\/111 /I judgmll/lt may bo ontorOlI
Illlilt/lllt you IIY t hlt Cll\lll without fUlthor notlco for OilY
mU/luy Cllll/llud In thll Clllnpl<1Lnt 01 COI tiny uthllr claim or
rllllul ruqultlltud by tllll 1'I111nttff, YOU HAY L09~: HONEY OR
l'IIOl'i:ll'l'Y 011 O'fm;lt 1111I11'1'9 1 HIJOIITAN'I' '1'0 YOU.
YOU 9110UI.I) 'l'AKi: '1'1119 l'AI'KIl '1'0 YOlllI I.AWYKIl A'I' ONCE. 11'
YOll IlO tlO'I' IIAV~; Oil l\tWW A t.AWY"1l Oil CANNOT AF'f'OIlU ON~:, 00
'I'll 011 'l'I<:I.J;:1'1I0N~; 'I'm: OH'l'E sJ;:'1' ~'OIl'1'II UI<:I.OW '1'0 ~'J1W OU'I'
WlumE YOU CAN 111<:'1' 1.I<:GA1. m:l.l'.
CoUIt'I' ^IIM I N Ill'l'Il^TOU
CUMIIEIlI.^NIJ co (:OUIlTlIlJ\I!i1':
I ('OlJll'l'lIolllil': IlUlJ^IlE
('^U!.' Il/.l': I'^ \'lO I lUll.,
( '/1'1 I ~ 4 0 I, lOll
4 I II I'LO(HI
TRUB COPY FROM RECORD
In TIIIlmony whltlof. I here unto eel my hand
oW 1- r MltAd our. II. earu'le'lL'
Thl . 1,1 _ ~\ " 19
, 4
- .:....u..__ - ,1/-
\ Pt~"lJlil"ary
!! - '/ 'J
VIlif\UlCMUllf
'"
1 vority that the fltlltements made in the tongoing
pl.,eading 111'0 truo and COHect to the bost ot my knowledge,
intormation, and ballot. I underotand that tols& statements heroin
are Rllllte t.l\lbjoct to the llenaltloll of 10 Pa,C.Il. oeotion 4U04
relating to unsworn falsification to authorities.
"
Dated I
71'/11
j_~1 1Il-' f}"'}.t-
James M. baughman
.
Exhibit 0
IN Tllli ('ounT OF COMMON "!.IiAS
(JII CUMIIURI.ANU COUNTV, l'UNNSVI.vANIA
JAMIiS M, IIAlJOIIMAN,
1'llIlnllrf
CANli NO,I 1I~.J715
.
VS,
,'AMES II, AJ)A"tS, hllllvhlulllly,
lI11d, II " I' MAX, INC"l/d/h/1l
COUl Sl'ltlNOS INN,
llefClIlllIlIIN
CIVIl. AC'~EldttPy FROM RECORD
In Ttatlrnllny whllool, I hit. unlo sel my hand
af\/1I"~ 1011 01 u1d Court II Cartl.I., Pa,
fhll. ~!,,' dlY.~." ]:'7:''(l 19 ~ ~ .-
'., )~,lt, .~,
,11m l' TIU7\J, .IEI\1ANIlF. I Prothonotary
NOTlCl.\TO HIWl.\Nl!
YOU IIA VI<: IIImN SIlED IN (,OIlRT. If YOII \vhh 10 IkkllllII1l1lillSI Ihe daillu lei follh ill
Ihe fmegolllg (lages, YOII 1111"1 IlIke 111'1100 wilhlll Iwellly (20) dllYs aflel Ihl5 Com(llalllt IIIllI
Notice are served, hy ellletillg II wlllll'III1(l(lI'IIII1I1l'l' (lI'ISOllilIlY!If hy 1I111111wy RIIlI WIIISllI wrilillg
with lhe CIIUIl your dclcmcs!If ohjl'rliollN III Iht' ('\lIilllS M'I fllllh IIgaillsl yuu, You RIC wllllled
thul If yuu fail III till &0 Ih" 1'11\1' IlIi1Y (lJtlu't',1 wllhlllll YOIIIIIHIII JlldglllClIlllIlY he ellle.ed agulllSl
YIIU hy Ihe Coull wilholll fllllhl'l 1I11Iil'c fill III1Y 1I11IIlCY r1uhlll',1III Ihe ('urlIJllalllllll for allY III he.
rlairlllll relief Il'que\ll'd hy 1111' I'lilillllll YOIl MA V !.OSE MONEY Olt 1'lHll'Elln' (lIt
O'l'IIEIl IU<IJITS 1I\II'OltTAN'I' TO VOIl,
.
YOU SIIO\11 ,II TAl( E TlIlS l'A1'1m TI) VI HIll LA w\'Im AT ONCE. IF VOIl DO
NOT IIAVE OIt I{NOW A "AWYEIl 011 ('ANNOT AFHHW ONE, 00 TO Oil
TEI.E1'II0NE TIW (WFII'I<: SET 1101tTlIlII<:1.0W 'I'll FINIl OUT wllmn: yOU ('AN
lIET I.EOA" IIm,l',
^VISO
\ISTEIIIIA IHUlI IIEI\IANIIAIHI I':N LA l'OlnE. Hi IIsll,.1 .It.sml
!lefel\lIl'lsl' I'" hiS 111I(')ilS "'I"'U'I;IS t'lI Iii, l"I)~illil' sill"ielll"s, Ikhe IlIlIIur u!'doll
(11)11110 .11' Yl'illlt' (20) !Ii", II I'illlh lto! lil /todla 1'0 'I"e H'l'ihio lu dClllul\llu Y .,1
IIvi~o. I",ll"t ,'d'e 1"1"1'111:11 11l1l111l1ll'l'I'oci:II"l'Iilill'lI I"'ISOIIU 0 (l0l ullogullo Y
"ruclIIllI I'll 1,1 I '\lilt, 1'"1 I'SI'IIIO SIts dl'il'mil' II "" IIhJt't'iIlIll'S n las IlcIIIUI\lIIl\ ell
.u IUlllliI
IN TIm COURT 011 COMMON I'U~AS
OJl CUMJIliRLANI> COUNTY, I'HNNSYLVANIA
JAMES M. IIAUUlIMAN,
l'lulnurr
CASE NO.1 95.3715
.
VS.
CIVIL ACTION. LAW
JAMES II, AIlAMS, Indlvlclulllly,
011I1, II & I' MAX, IN('"lilllh/ll
COU) SI'IUNWI 1NN,
Ilrrrndllnh
JURY TRIAl. IlEMANUEU
AMIiNL!IilLCQM1'LAJNT
ANI> NOW, TO \V1T, this 51h dllY or Fd,ruary tlj%, ('otlles the Plalnllff, JAMES M.
BAUGIIMAN, hy his 1I110rllt'y. 1I11nison L. Salulers, ES1luile, Rlul ror his causes of actions slales
as follows:
t. I'loIIIIIH, JAMES M, IIAllOIIMAN, Is IIn adull Individual residing 01 9770.n
Corlisle !luud, IllllslHJlg, YUlk ('ounly, l'enllSylvllnlu, 1'/1l(l),
.
2, !lcfcndlllll, JAMES II, ADAMS, Is IIn udullllllllvidulIl residing 01 315 lIetlllllck
!lolld, Mechllnkshllll\. ('lllllhl'''1I1111 ('uullly, l'ennsylvlIlIllI, 171l'l,) ,
,I, (lcfcIHlulIl, II Xi I' MAX, INC" 101hl! hl'sl uf 1'llIlnlHf's knllwlcdgll, Inrortllnlllln
1111I1 hdid, III IIl1lilllCS fdl~VIIIII IH'Il'lo, IIwned, fI10hllllhl('ll, IIlul ullt'ralCd D pi nee llr IclallUllde
IIIlSiMinll"r IIIIlVCIl1I1f pllhli<' ,hillkillll l'slllhllshllll'nl knllwlIIIs "The ('uld Springs Inn", lucnled
1I1l'lK l'iIIk PilleI' Lillie, Ml'lhllllinllllrg, ('ullllll'''allll CUllllly, I'I,nmylvlInlll, 171l5'l, Olllllcgistclcd
wilh Ihlll'cnllSylvllllllllh'llilllnll'lIl "' SIIIII', ('lIIpflfulh1nlhfrCl/U, liS ('OLl) SI'!lINOS INN, wilh
Ihe sallie corporal 0 address as slaled ohovc,
4. Al all lime" relevanl herein, Defendarll, II & P MAX, INC" IIdlbla COLD
SPIHNOS INN, was a Pcnnsylvanla corporal Ion suhJecl 10 the licensing and resulallnn of lho
Pennsylvania Liquor Code al 47 I',S, Sccllon 1-101 Cl.scq,
5. At all limcs ll'lcvant hCIl'lo, Defcndaot, II & I' MAX, INC., tldlblo COLI>
Sl'lllNOS INN, acll'd Ihroogh il.~ IIUllulI iled ogcnls, servonls, ollll clllployccs, who wcrc uCllnll
wllhln Ihe scopc of Iheir clllploynlcnl.
6. The ncls nnd Ill'corrcnccs hl'reinufler slnlclllook plncc on Mardi 25, 1994, belwecn
approximately 1:4'1 n,lll, IInll npplo\lmnlely 2:.10 11.111., nt or neM Ihc Cold Springs Inn, III lis
aforesaid local lon,
7, Allhc ufolcsahllilllc nnd placc, Defcndant, JAMES 11. ADAMS, wns u patron of
Ihe Cold Springs Inn, whcll! he 111111 been selvl,d nkoholk bcvcragcs by agents, servants, 11I111
employees of ()cfenllnlll, II & I' MAX, INC., lldlbla COLD Sl'llINOS INN, during uml ufler
which he 111111 hCl'ome visibly Inloxll'nlcd, loud, bolslerous, nnd l'ombativc,
H. Al Ihe nforcsnid time und plul'c, I'lnlntll( was involvcd in brcuking up 0 f1ghl
bl'lwern IIdclulanl, JAMES II. ADAMS nnd IInolher pillion. AI Ihnlllllle, Ilcfcndant. JAMES
II. ADAMS, pnshed Plaintiff nnd loudly staled Ihal hc would be "wllllln!! for" I'lalnliff whell he
lell Ihe premises.
I). Whl'nl'laintilf walkl'd oUI of Ilw 110111 of lite ('old Springs Inn, Ildclulanl, JAMES
II. AIIAMS, RUarke,1 hllll vlolenlly. puslll'll hllllllllulmt n guulllrall, slruck hilll Icpcnll'dly with
.
.'
17, The afmclald oCllmu IIf Ilcfendnnl, JAMES II, AIlAMS, were cOlf1millcd allainsl
lhe will and consentllf I'lalnllrr,
18. The aforesold illJurles IIf I'lalrllirr were clIused solely hy che reckles5lleu and
willfulness Ilf IJcfellllunl, JAMES II. AIJAMS, a 11I1 in IIn way were caused hy I'lalnllrr,
.
WlIE1UWOllE, I'lainliff, JAMES M. IIAlJOIIMAN, dCIIIOllI1s Juclgrncnlllf Defendanl,
JAMES II, AIlAMS, for gcncllll dllmages In on anl/lIlnl in escess III Twenly Five ThousOllll
Dollars ($25,000,110), fur punilive dllllluges in an amounl In eKcess Ilf Twenty Five Thousand
Dllllors ($25,1100.00), fur cuMs of suit, ollll fur wholever furlher relief lhe Courl may 'teem
approprlale.
rnUNT1I
.lAMES M, IJAUilllMAN v.Jl.lLl'-.MAK.lNCu
lId1hln COLU _lil'IUNtiSJN.N
UQl1ll RLlAIHLll'l'
19. I'aragrophl I Ihrnugh III 1111' IOl'lllporolcd heleln hy reference and mode a porI
Ihereof,
20.
AI the uflllcsllhl lill1c 1111I1 I'IIlCC, IJcfe/lllnnl, II & I' MAX, INC" l/d/h/a COLIJ
.
SI'HINWIINN. lhrllugh ill IIl1lhmlll,,1 agcnls, selvllnts, IInd employccs, oClinll wlthlnlhu scopu
of Iheir l'nlployrncnl, sohl 111111 M'rvcd alcoholic hCVCllIIWI 10 Ilefl'ndllnl, JAMES II. AIJAMS,
whl'n lJefcllIlunl, JAMES II. A IIAMS, WOI vlsihly Inlllslcllll'd, loud, )lolsternlll, IItlll Cmnll/llivu,
ronhary 10 IIIl' provisions 'If till' I'l'nnsylvllnlll I.lquor ('0111' /II 47 I'.S. 449],
21. As II dill'rl /lnd prmlnl/lIl' Il'sU11 of llw IIflllCSIIIlI/lcllllnS IIf IJcfendonl, II & I'
.1
.
YERII!'ICATION
1 verify that tho ntatements made in the foregoing
plll,/lding aro truo /lnd conect to tho beet of my knowledge,
intonnlllion, /lnd beliot, I understand that talso otntemontB horein
IUO modo Bubjoct to tho ponnllioB of 10 Pn,C.B. Boclion 4904
relllling to unsworn fnld f lcation to nulhodtl06.
~
Doled:
,I /
;l'l/'/(
. I
12 tImoJ!J I'" -t) .../--
.,.
JamBS M. Paughman
~RRTIFICATE OF SERVICE
I, HARRISON I.. SANDEI{S, ESQUllm, do hereby cerlify lhall served the
foregoing AMENDED COM1'LAINT on all cuunsel of recmd hy placing the same In the
.
lJnllcd Slalcs mall, pOllage prc-paid. first class, addrcssed as follows:
Lawrence J, Neary, ESllulre
CONNELLY, REII) & SI'ADE
108. 112 Wnlnul Street
1',0, nox 963
IIARRISIIUIHl, I'A 17108
Gnry Lysallht, ESlJulre
1350 Fishing Cree\l Road
lIarrlshurll,l'A 17112
William I', Douglas, ES1lulre
1l0UOLAS. DOUGLAS & DOUOLAS
27 Wesl IIIl1h Slreel
Carllsle,l'A 17013
DATE:_
.st/fh~
&!;~~,d; ~~
IiARIUSON L, SANDERS
1.1>, No, 38152
Sulle 601
18 SOIlIh (]corge Slreel
York,l'A 17401.1425
(717) 1l45-55:l7
Allorncy for 1'IIIInllff
:1' ;
: i
!j '., \ " i ~I i Ii I i 11 h It, V:\ t;l'; ;
:~,;! ld A'd
':; /\!jl
'ill I !~ '.1 l,
'i,', \\:
I 11'\: ,I I -\ I J ; J ~ i
! .'WII
1.'11
II';. J ~ il 1'1 1'~-.pUt.)-' '.tit?' 1! ( pi
!'Il
^ f j t, i \ lllll , y, I <i7 I, f. [-'r I '/ '-~ il I ijj _ \11 hi' h' I j; ',~ ,~ \) j l' :it. ~ j iJ n ~},
"j;J lllQ
''''-, .,'.iYE. ttH? WI .,t;)q t_I,,:rjJ.~A.LHL
w ,,:;t~ t.~1:;' I t: ~ '-1
"I
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"
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d, , " , , ,'\ I , , ,
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i'dh J-iJ,. "j "tiLt.,
Ilt'f11'1i t' hll;\!
IA I',',',',
,1.1.li1l'l:I,1 Atli'
;!,1
, : I ~ I' ... ' \, ,1 f 1 1 ;-i.
tl~' 1/ I;' I
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,\ i : ,~" :-1
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I: ,j -1i tIt, ~; t ..-,-, I
"I
"f '!
i ! i:'!i i f; j U 1
t. wIt. hi 11\ i I
II,'
,I' ll~' "'11!'f" tlji;~," Ill'P,'llf\'.J I,l!, ~-ft'"liti"f! !i' ttlt;!
:\11'-.,'11'
t, h~" I'" ~_; f .
1 I! 1 ; I...;t,',i
"f 11 >i.J
"
''','''11 ~~ ~
n",:r.=:;~~ ,"~~I~ ~ ,
t ,~
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r;,
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.\\ 1 1 , .j\'l I
I, " '11-'
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~ - .-
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(11
'-J~LL Q, 114~, ~
~
IN TilE COURT OF COMMON I'LEAS OF CUMBERLAND COUNTY,
I'F.NNSYL VANIA
REGIS INSURANCE COMI'ANY
1031 Old ClIS8att Roud
lJerwyn, I' A 19312
l'lulntlff
V,
IJRADLEY 1>. MAXWELL
701 Ridge ROlld
Lewlsherry,I'A 17339
and
PATRICIA A. MAXWELL
70 I Ridge ROlld
Lewlsherry,I'A 17339
and
IJ & I' MAX, INC. 1/11 COLD
SI'RINGS INN
258 I'ark I'llIce Lune
Mechllnlcshurg, I'A 17055
and
JAMES M. IIAUGIIMAN
9770.1J Cllrllsle ROlld
DlIIshurg, I' A 17019
and
JAMES II, AI>AMS
315 lIemlock Roud
Mechllnlcshllrg, I'A 19055
Defcndlln'.
I
I
I CASE NO. 97.2149
I
I
I
I
I
I
ICIVIL ACTION. LAW
I
I
I
I
I
I
,JURY TRIAl. I>EMANDED
I
I
I
I
I
I
ANSWER 011 mWENI>ANT. JAMES M, IIAU(lIlMAN TO I'I...AINTIJIII'S
COMI'LAIN'I' F01U.mCLARATORY JUDGMI~NI
I . 6. Admitted,
7. Admitted In I'lIrl, I)enll'd In I'url. To Ihe ulcnl Ihlll l'lulnllff's 1~llhlhll
II A II Is II Irlle ulIClllccllrulc COllY uf 1'llIlnllff's gcnerulllllhlllly In8urnnce policy fill'
Defendants, Bradley D. & I'ntrlcln A, Mnxwelland n & I' Max, Inc. ATIMA T/A Cold
Springs, Inc. clo nrad MnxweU, 701 Ridge Roud, Lewlshcrry, I'ennsylvanla, 17399, Ihls
allegntlon of 1'lalntl<<'1I Ilaragrullh 7 Is odmltlcd. In 011 other resJ1ects, after reu.~onuhle
Invesllgatlon, Defendant James M. nnughman Is without Informlltlon or knowledge
sufficient to form n hellef liS to the truth of the remnlnlnllllllclllltlons In l'lalntl<<'s
Ilaragrllllh 7, and sllld ollegallons are thereflll'e denied, SlrJcl proof Is demonded at
trhil.
8. Admitted In pori, Denlcd In port. To the cxtent thai l'lalntl<<'8 Exhlhlt
"0" Is n true and nccurole COllY of 0 generolllllhlllty polley Issued by l'lolnllrr to
Defendants, Drlldley D. & I'otrlcln A. Maxwell nnd II & I' Mox, Inc, ATIMA T/A Cold
Sllrlngs, Inc. clo IIrad Moxwell, 70J Ridge Rood. I.cwlsberry, I'cnnsylvonla, 17399, and
'0 Ihe extent that sold Ilollcy contlllns lIn exclusion titled "As.~lIult & IIl1l1ery Exclusion,"
these nllegatlons of porllgrllph 8 ore udmllled. In all other rcspccts, lifter ren.sonahle
Investigation, Defcndllnt JlImes M, IIl1ughllllln Is without Inforlllatlon or knowledge
sufficient to form 0 belief liS 10 the trulh of the rCllllllnlng lIlIcglltlons In l'lolntl<<'s
Ilorlllll'lIph 8, nnd slIld 1I11cglltlonl lire Ihcrefore dcnled, Strict proof II demllnded at
'rllll,
9 . 11, Admlllcd.
12. Admlllcd In IIart. Uenled Inllortl It Is admllted that Defendant Jamea M.
IInullhman, hn.s alleged that he sustained bodily Il\Jurlcs at the Cold Springs Inn and
2
Ihal Ihosc I"'urles were, In purl, I,rlllllmulely caused by actlllns IIf Defendanl Adams,
'I'll 'hc exlcnllhall'Brogruph I Z Imlllles 1111I1 Uefendunl Adums's odlons were Ihe
exclusive legal coule IIf Uefendunl Uuullhmun's hOlllly InJurlesl such IIl1egullonl IIf
1'lolnlllT's purllgrul'h 12 ore sl'eclneolly denied,
13. Plolntlrr hlllJ sluled concluslunl of IIIW III which nil response II rellulred
under 'he I'ennsylvonlll Rules of Civil I'rocedure. Uy WilY IIf furlher IInswer, Defendonl
lIoughmon sl'eclnclIlly denies Ihollhe ollegollllns conllllned In his Amended COlllplolnl
fall within Ihe olleged exclusionary provisions of Ihe Insurllnce 1IIIIlty In lluesllon.
14. l'lolnllrr hos sloled conclusions of low III which no response Is re1lulred
under Ihe PellnsylvBlIllI Uules of Clvlll'rueedure. lIy wlIY IIf fur' her onswer, Defendonl
lIoughlllon speclneolly denies Ihlll l'lolnllrr docs nol owe 1I defense or Indelllnlncollon to
Defendllnt IIrlldley D. MUllwell. I'ulrlclll A. MUllwell, lind/or n & I' Mox, Inc. 1/11 Cold
Springs Inn wllh rellllrtllll Ihc c1l11I11S sel fllrlh In Uefentlllnl IIIIUghlllOll'S Amcnded
COIIII,llIlnl,
15-17. Admllled,
WIIERIWORE, Defelllhllll Jllmes M. OBulllunun, respedflllly rClluesls that Ihls
COUl'l enler u declnrlllory JudKmenl selling forlh Ihe rlghls, dulles and obllgollonlof Ihe
I'orlles herein lIccordlnglll Ihc alleKllllons sel fllrlh In Ihe fllrcgolng Answer of
Defendonl James M, UlIughmBn 'I'll 1'lalnlllT's Coml,loInl 1101' Declorulory Judgmenl,
]
Respectfully Nubmllted,
Daledl May 14. 1997
. )
HARRISON L. ANDERS, ESQUIRE
Allorney for Defendllnl,
JameN M, IIl1ughmlln
1.0. '38152
Sulle 601
18 Soulh George Slreel
York,l'A 17401.1425
(717) 845.5537
4
VERIFICATION
I verify that the statements made in the foreqoinq
pleadinq are true and correct to the best of my knowledqe,
information, and belief. I understand that false statements herein
are made subject to the penalties of 18 Pa.C.B. Bection 4904
relating to unsworn falsification to authorities.
Oa ted I "7:1f,fj. I ~I I 9 '17
(! am. j." ,11-
,
James M.
-6....,.l
Baughman
CERTIFICATE 0(1 SERVICE
~
I, IIARRISON L. SANDERS, ESQUIRE, do hereby eertlfy that I served
the foregoing ANSWER 011 I>EIIENI>ANT JAMES M. BAUGIIMAN TO
I'LAINTIF(I'S COMPLAINT FOR DECLARATORY JUI>GMENT on all counsel of
record by placing 'he same In the United Slales mall, postage pre.pald, Orst e1as..,
addressed lIlI follows I
William J. SChlllldl, ESllulre
WIIITE & WILLIAMS
1800 One L1herly l'lace
Phlladelphla,l'A 19103.7395
"
..
Wllllnm I'. I>ougll\... ESlJulre
I>OUGLAS, UOUflLAS & I>OUGLAS
1.7 West IIIgh Street
Carlls1e,I'A 17013
Lawrence J. Neory, ESllulre
CONNI~LLY, REII> & SI'AI>E
108 . 111. Walnul Slreel
1'.0. 1I0x 963
lIarrlsburg, I' A 171 08
Sle\'en M. 1I0\'ls. ESllulre
STOCK & LEAUER
35 Sou'h I>uke Slreet
1'.0. Ill" 5167
York,l'A 17405
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Court Admlnlalr.tor, Fourth Floor
Cumberland County Courthouae
1 Courthouae Square
CarUIle, Pannaylvanla 17013-3367
Telephone: (717) 240-6200
Reapec!fully Submitted,
CONNELL V, REID & SPADE
Dale:
'/ lJ~ )1]
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By l ,";; ~ N41~;~,-'\..------~
A ey for ri:fe~danI8. l1
Bradley D. & Patricia A. Ma.well
snd a & P Max, Inc., Va Cold Springs Inn
106 . 112 Walnut Street
p, O. DOle 063
Harrisburg PA 17106
(717) 238.4176
(717) 236-4703 - Telecopler
Pa ID No 25627
13. Denied, In the Plaintiffs Amended Complaint It clearly states In paragraph
27; "At the aforesaid time and place, Defendant B & P Max Inc" Vdlb/e Cold Springs Inn,
knew, or by the exercise of reasonable care should have known, of the aforesaid pothole
and should have realized that the aforesaid pothole Involved an unreasonable risk of
harm to business Invltees such as Plaintiff, and should have expected that such persons
would not discover or realize that aforesaid dangerous condition and would fall to protecl
themselves against It."
This allegation requires the carrier to defend B & P Max, Inc., Vd/b/a Cold Springs,
Inn, for all counts of the Complaint.
14. Denied. The Amended Complaint clearly contains an allegation which falls
within the purview of the coverage prOVided by the contract, and a defense, as well as
Indemnification, Is required.
15, Admltled
lB. Admltled.
WHEREFORE, Defendants, Bradley D, Maxwell, Patricia A, Maxwell and B & P
Max, Inc" Va Cold Springs Inn request that this Court declare that a defense Is due and
owing B & P Max, Inc., Vd/b/a Cold Springs Inn.
COUNTERCLAIM
17, The Plaintiff, Regis Insurance Company, does not have good cause to file
this action, nor do they have good cause to deny coverage, Including both a defense and
Indemnification, to B & P MaK, Inc, IId/b/a Cold Springs Inn.
10. The Plaintiff, Regis Insurance Company, Is acting In bad faith as defined
In 42 Pa. C.SA ~0371
19. The Defendant Is entitled to damages as outlined In 42 Pa, C.8A 66371,
due to the bad faith conduct of the Plaintiff, Regis Insurance Company,
WHEREFORE, Judgment Is requelted In favor of B & P Max, Ino.. IIdlbla Cold
Springe Inn, and against Regis Inlurance Company, In accordance with 42 Pa. C,S,A.
68371, along wilh costl of suit.
Respectfully Submitted,
CONNELLY, REID & SPADE
Date:
7/ .;1.~)q...,
I
By:
L rence J. N ry, Esqulr
Attorney for Defendants, '-
Bradley D. & Palrlcla A. Maxell
and B & P Max, Inc. Va Cold Springs Inn
108 - 112 Walnut Street
P. 0, Box 963
Harrisburg PA 17108
(717) 238-4776
(717) 238-4793 - Talecopler
Pa, I,D, No, 25827
VERIFICA TION
I, Bradley 0, Mallwell, being authorized to make such verification on behalf of B
& P Mall, tnc" do hereby verify that tile statements made in the foregoing Answer and
Counterclaim are true and correct. 1 understand that false statements herein are made
subject to the penalties of 18 Pa. C.S, Section 4904, relating to unsworn falsification to
authorities,
Date: 7- r 9t
B & P MAX, INC,
~/'<AA/{f,{l' tWu-" &J
BRA LEY 0, MA EL
VERIFICA TION
1 verify thai the statements made in the all ached Answer and Counterclaim are
true and correct. 1 understand that false statements herein are made subject to the
penalties of 16 Pa,C,S. Section 4904 relating to unsworn falsification to authorities,
Date: 'I7-f-t(('
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BRADLEY 0, MAX L
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WHIT. AND WILLIAMS
BY, Will hm .}, Schmidt
Attorney 1.0, No. ]66]1
1800 One Liberty Place
Philadelphia, 1'1'\ 1910}.711l!i
I:ns) 864.620\1
Attorney. for Plaintiff,
Regi. tn.uranee Company
U 1.:0 I tJ I NBUltANCii: COM1'ANY,
I'!alnt! ff
v,
COURT OF COMMON PLEAS
CUMIlJi:Rl.AND COUNTY
CIVil, ACTION. LAW
BRADLEY lJ, MAXWELL, I'ATRICIA
A, MAXWELL I U'P MAX, INC.
t/a COLD IlI'RINOS INN, JAMES
M, PAUOIIM1\N, and JAME8 p,
ADAMS,
JURY TR IAI. DEMANDED
CASE NO. 91-21411
Defendants
PLAINTIrr's ANSW.R TO BRADLIV D. AND PATRICIA A. MAXWlLL
AND ItlL.MAX. _IHe, t/l COLD "'JWlIlI-.~S COUHT..CLltIII
I'lalnt.ltf, Uegis Insurance Company, by and through itll
counllel, While and Williarnll, IU"'!lby denies all allegations ot
liability agalnllt. lL Ilnli 18111'(Jndu I () d"fendanlll' Coullterclairn as
follows,
1'/, I'ar.oraph 17 of deten(lant.II' Counlerclaim containll
concluMlonll ut law to which no fllll 1'0 IIIU' III required under the
Ponn.ylvania Rules of Civil Procedure. By way of further answer,
it ill IIIHIHllflcally denied that Iteglll Inllurallce ComlllUlY i8 wlthoul
yom! call.e lo tile thi. dllC1111l1t.o1Y JlIlIgment act!ulI, lIekin\J the
Cnu!t for a detllnninlltion of whether /teglu h.. a dilly lo defend
lIud/o! Indemnl fy lludley n. Maxwell, I'atrie!a A, Maxwell andlol'
Iii, I' Max, Ille, 1../. Col<1 Bpi IllY. 11111, lly WilY of turthar en.wer, it
iu denied that ReUis lacked good cauII. tor dellyillg defendanl.'
I!lllim, On lhe ()ollll'aIY, al 1111 l'elllVall1 I illlell to defelldalll.'
('o\lnteI<11..lnl, p1al11tltt actell 1I11l1tfJllilbly, ploperly, in accordanr:e
with the statute,. llnd rogullltlonll of the Commonwealth of
l'ennuylvania, In acc(lnlance with the standards of the Inuunlllce
lnduetry and in accordance with the terms and cOllditions of the
ineurance contract, Uy way of /ltill further an/lwer, it i. denied
that Regie h.. denied a derenlle to its insured In the action
pending in the Court of Commoll Plea. of cwnberland County, No.
95 -)'11!),
18, Paragraph 18 of detendants' Counterclaim contains
conclullion. ot law to which no re.ponaa i. required under the
Penneylvania Rul.. of Civil Procedure, uy way of further en.wer,
It is denied that any of plaintift's actions were undertaken in
bad ta1th, On the contrary. at all relevant timell to defendants'
Counterclaim, plaintiff acted reasonably, properly, in accordance
with the statutes Ilnd regulations of thll CommonwlIalth of
Pennsylvania, in accordance with the standards of the insurance
industry and In accordance with the terms and conditions at the
insunulCe contract,
19. Paragraph 19 of defelldantu' CoulltaHllalm contains
concluIJlon8 of law to which no response i. required under the
l'ennllyl vani a !tulss of Clv 11 l'rocedurti. By way of further answer,
it 111 denied that llefendalltll lite entitled to damages purlluant to
42 1'11, C,fj,A, 183'11, all a result of any conduct taken by Regis
Inourance Company, because flegis hall not acted In bad faith, On
the contnny, at all relevant t illlell to dehndants' Countl!U'clalm,
plaintiff acted reasonably, properly, in accordance with the
IItatutelil IInd regulationlJ of the Commonwealth of Penllllylvllnia, in
iOUUlA Wl:'Il
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llccordance with th.. lltllndaniu of the 11IllUrlJlnCIl IndulltlCY llnd In
llccordance with the terms ami condl tions of the Insurance
contrllct,
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WIIIRlrORI, Regis dllmands judgment in Its favor and against
defendants on defendants' counterclaim.
AlIIRMATIY. V.rIMS.S
1. Plaintiff Incorporates by reference Its answers to the
averments contained In paragr'aphs 1" through 19 of defendants I
Counterclaim liS thrcrugh same were fully SlIl forth at length
he.,-ein,
;a, Oefendants' Counterclaim fails to etate a caue. of
action, and plaintiff reserves thll right to move to diemi..
defendants' Counterclaim.
), Defendants' Counterclaim must be dismissed under the
applicable limitations pedod in the insurance contract anll any
applicable limitations period under 40 Va, C,g,A, 1636,
4, Plaintiff acted in accordance with the applicable
insurance customs and standards, in accordance with the
applicable leIWII of the Commonwealth of 1'llnnsylvan1a Ilnd in
accordance with the termll and cCJlldit10nll of the insurance
ccmt ract ,
5. Plaintiff issued a general liability ineurance policy,
No. RL10l95l, effective February 15. 1994 to February 15, 1995,
to Bradley D, and Pllt.,-iclll A, Maxwell and B&.P Max, lnc, A1'IMA t/If.
Cold Springs, Inc, c/o Urad Maxwell, 701 Ridge Road, Lewtsbllrry,
VA 17399. Pllf.intiff Incorporates by refllrence the term. and
.ltllu.a "~.
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WHIT' ANP WILLIAN.
bY i Will laTh ,J ljchllll<lt
1\11'llntlly I.ll. No. lien
lauD unOl L\iH!f1y 1'1.('01
Hl\ ld,t..l~lhla, l'A I ~IOI 'lUll
(:.lib) au e;jO~
Atturney. for Plaintiff,
~'Q" In.ur.nce cmnpllny
Itl::ill!J IN!J\JflANCI:l: COMPANY,
('ouwr Of' COMMON 'loltAIol
(,'UIoIIiIUiI.ANP COUNTY
('!VH, AcTION . I.....W
l'lalnt 1ft
v.
IlliAIJI.lt:'i IJ, MAlIWli:LI,. \'A'I'IU CIA
A MAlIWIiIA" IIiI' MAX, INC.
till COf,1) fH'IUNOf:i INN. ,JAMES
M ti.l\l1mlMAH, Inet .JA/oili:f:l Ii.
AIJA/oili.
JURY TRIAL DIi:MANPJ;:U
CAlllt NO, 1I1.;nU
ll!ltotlndllntlil
HQ.Uc.a_Q.LItI.'IILQI-1lW9II1M1'
To ,Jamaa II, "darnli, lJetftodant.
Yo\.! arll Mdllretl nntithd th,H 011 It. U'I.,t J? ' llt7, the
court lInteuld jljdomlJ/ll ilflilllllH ypu <llId III Pavor (If R.Utl
lnliuriilnCe (,'ornl'Any th.n lI.gIII hillll no duly to ,letlllHl you in tn_
4121.10/1 in Lhli cumblirlAnd COlllltY ('ourl of Common .'h'.II, HI,), lUt,
I'll!! .
~ If-If
IUol" I ·
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ElIhlbll^
Wltt1'1 ANO W1U,lAMll
ut, willl..",.r tvl.lld,ll
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llltJll UliOl l.lbeIty .'1..,:01
l'hllti,leliJhl... I'll. lHOI''1l'JiO
(~l':ll He. 6,/0':1
Attorney. for Vl41ntift,
Rewill Inllur..nce Comptllny
,I
Ilt.'llli INljUHAN('1:; ('OM !'ANY,
..141nt 1t t
COUNT OF COMMON !'L~A9
CUMUIU.ANP COUNTY
v.
CIVIL ACTION . I....W
lfllAVLll;Y lJ. MAXWItLL, PATRICIA
A. MAXWKLL, ~_I' MAX, INC,
t/.. COLll SPRINGS INN, JAMKB
M. ltAllllllMAH, "nl! JA.Mia Ii.
AIJA.MS,
JlJltY TH I AI, lJ~MANDIW
CAU~ NO, 97.l1.~
V.tendiUH It
liQU'.. QJ'.lHUllT1.QH TO. L\U-PIfJ.q~T
TO, ,lA.Mlfll It. AfJAM~
11& HBmlock Ho~d
Mechant<!8hula, I'll 1 ':ItJ':!':>
DATK Ol' NOTICK. July ~':l, 1':1':11
WOlTAHI If.QTl~1
Yuu 'Hili III ,It.t..'dt b(j"illj~" 'loll h"v.. hllle.' to t.ke action
10"1'd'IO,1 "t YOII In I hi.. ,.,;...., 1I,Il"IHi yuu aut within t.o (to)
,1"'111 fl"ln l.h.. 'lotI" 'It t hi.. '1',11"" dli ..", tunh Ilvove, a judgment
lIIil'l Ii. lOlllilrOl,1 ;;Hl" I "". I you wll h,jlll oj ,,,...llnG IItHi Y. (lU may 1018
'1"'11 lJI(jpenr "I 0' b." 111I1"1/''''11 'I<jhtli, You IIhould take thi.
,wi k. 'f' it . .WYill ill. "I WI; , I t 'I' <lJ ,\" llUI. hllVI; a I ilwyer or
cannot Ilftunj UII". I)" t" 01 1."1",\.11,,11,, the l'olluwIIl\J ottleR to
t j I,.J fjl)\ wlll;ra y"1l ('dll IJ'" I "'J~ 1 ,,,.11"
('<<nll'"II.II'! fC, ,'wI Y (''''1,1 A,11ll t III i11 lllt "I 'Ii uf t I ell
L.wyer It"tertill 10 Illt"'lIIl1tl(J/l 9.'11 vi",.
One Cfjllll~Ju.. Bquilr..
Cull"l., I'A 17011
( 'It '/l H 0 . 6 ~ (J U
17l'11 U"'()171
WHITI AND WILLIAM'
lIy'
. tA 'jU'L,\..~ ..J~L ~.:' Jl/9rtt=-
~~lllm J, Bchmidt, ~
At! ollley for l'Ialnt 1ft
l'dt~4H .'"
auUl~.\1'.-.l.ll.lll\'l{;J
I, WIlU.m .1, flchmlllr, ilttOfllflY fHI IJllttnttft, MagllJ
III.llun.;. COhlll,Uly, tlllll.by nllt I ty thiH Ii! trlle In,t "lnt.Ot COI'Y of
Ill.. I'r.."I1)1I to 1'\111\.. P..filllll ,J\llt\J1Illllnt WII.. 11I"lhd on AU\Jlllilt 1,'1,
I 1I!1t , by flnt dUll", llnllll,t IH\IIlli1tl 11I411. pOIlI.4YU PHII'OItd UjllHl
,
th.. followlll\l "H1IIIUd,
William 1'. Duugla.., IlIqulrll
POUil... Dougl.. . DouG11'
;n WlItll 1l1yh BI IlllIl
Carl I lIle. , f'A nOll
IAIlHlilllCIi ,1, NliliUY, Ii/qui re
Connally, a.t4, 'p.d.
IOI.\U WOIlnul /:itHlet
P,O. POl( \161
<<arrl.bury, VA 111D~
HarJl.un ~, ~Ilnd.r.., ~'qlllrll
II Sputh O..or\)fI /:itr..t
811Itl\I filH
Vork, fA 17401-1H6
lit "Vflll M, liD\! I jj, 1~1I(IU Ira
'tollk . L..der
15 Bouth Dllk~ WIIIl.t
I) . (l, BOil \'>167
YOlk, PA I HO!:i
Jalll.. a. Adam., pro ..
'j 15 118ml (jok ROld
Med14nt(!llbllrlJl "" 11l)U
WIlT' AMP WILLIANI
IV'
~'L1 ~.l~~ -)~:S._~.\<= ..Sl9l1r
WI~m J, Schmidt
Attorney tOI PlajuLltt,
Rlilllll IUIIUlilliL'1il l'wllp,-ny
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WHITI AND WILLIAMS
. nYI William J, Schmidt, Esquire
Identification No. )66]7
1800 One 1,lberty Placll
philadelphia. PA 1910]-7395
(21'1) 864.6209
Attorney for Petitioner,
Regis Insurancs Company
~.-..._~---_._._--'~~-
JAMES M, llAUGIlMAN.
I'lalntl tf
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
CIVIL ACTION - LAW
v.
.lAMES a. ADAMB, IruHvidually,
and a"p MAX, 1NC, t/d/b/a
cow SPRINGS INN,
Defendants
CASE NO, 95-3115
,t.................................................,.............
ItEGlS INSUltANCE COMPANY.
Plaintiff
COllRT OF COMMON PLEAS
CUMBERLAND COUNTY
CIVIL ACTION - I~W
v,
BRAlJLEY D. MAXWELL/ PATRICIA
A. MAXW~~I,IoI B"P MAX, INC,
tie>, CO!.[) SPRINGS INN! JAMES
M. UAUGIlMANI and JAMES B,
ADAMS,
CASE NO, 97-2149
Defendanty
AND NOW, thlo
o R D 1-8
day of
I 19117, it is
OROIRID that the above-captioned matters are consolidated for
purposeD of discovery and trial into a single action, Reals
lllilu.uwC.ILCOlllpaIlY 'i...J1Ull1kY-U. MaxwellJ Pjlj;ricla A. MaxwDllL.BiLf
MAltA- Inc. tDLCollj Bpr1U91l Inn! Jijlllell M. UaufJhmanJ and Jamu B.
Al.LllI1Il, No. 97-2149, is hereby advanced. to be heard before
ll11ucJhmaILV. Adams and au' Max. Inc. t/d/b/a cold SorinqB Inn, No,
95-]115, on Motion tor Summary Judgment. Baughman v, Adams. Dt
~!lIUU' ""II
2, On 1"elJlllil I y h, 1 9 ~6, 1Ii1\l<Jlllllilll t i 1!l1\ An AmCllllt<l11
Complaint, lidding annth81~ Count I Cl lh!! C'nmpl!llnt, 11 ''''i'Y of ",aid
Amende(! ComplAint Iii oittllchet! hueto oillt! m.uked IUlhlb1t "A" ~
1. In the lIndedying <wtlon, P4IIu\lhmilll lIuk. '!iUU'\jlll" tor
bodily injury lie II r..ult of IIn incident which alleuedly ocaurred
on March 25, 19\14 at the Col(1 81'rlnu. Inn,
4. On 1Ipdl 24, 1997, HIIUlll InllUlt1lIlCil Company l)fOlHJl1t a
declaratolY judgment action ...king a judument th.t It till. no
duty to defend or Indemnify BradlllY D. MaKwlIll, Palrlcla A.
Maxwell or ll&.l' Max, Ine, tla Cold Ilprirl\111 Inn und_r II imHcy of
genlHlll liability IIlI1l\HilIlClI, No, Ill, 101951, .tflj()t!\I" F'''lnwuy
15, 1994 to F'ehlulHY 15, 19\15, in the pllllHJllill Injury IIGt I nil
brought by Ilames hllu\jhmlln, 11 COllY of IIlIld th.dlinHory jwJ\lment
c()mplainlc III attar-hed hAreto ilncl miITk,,!(j t;lIhlblt "Ii".
b, 111 the ulllilHlylll(J action, lIautjhmllll alltlg~fll that. on
Milich 25, 1994, hu WlIlI a patton of thfil Colt1 fll'tillSlIil Inn. IIIiI
<11 log.". that hu lIuutained boell Iy Injluleu illl tho llillOUlt of All
inc~ldent thaI. oC(;urred at tht! Inn in th{j tl.nly morning hOur. of
March 2", 19lJ4, IiU lexhlblt "A" lit lJi.Hil\jrapfllil 9 /in'! 10.
6. In the (hldan!lLory jud\jllllllnt ilctlull, IltllJllll IilIiI.k. II
judgment Lhat it hilS no 11ut.y to (h,hnrl or Indlllllnifv PI.CUlIV p.
MaxwI!11, 1'lItddll 1\, Milxw!!In 01 bU' Milll, Ine, 1/11 Cold li~ldn9.
Inn, IHHIIII/i1lt to an A/I/llI\llt and Plitt_IV I!:lwl\llllclIl GOBI.lllitli in
Policy No, RL 10]95], b@Cillll. tho per80llil1 injury cDmplalnt
1l1legtlll claim. tlI11l1l'J within that .IHJ1u.i(lO,
:l11146U-' W"i
~. ;l ~
'I. l'ullilJallt. t.0 l'''llnliylvilni.. Uul", !it civil I'locedurll
n~(a), cons()lldi\t.lon lJt iH:t.iuIlS lliI a1'1'IO\'lllIl.e when the actione
involve tho Bame factual quelit.loll/il and arlwe from tho Ramo
or:curnlnce,
8. The above-cIted actions Involve common que.tions ot
fact. reyardlng the nature of the Inoldent Blving riae to the
poulton.l Injury.c\I('I1,
fJ, Th. above' olterl actlpl1lil iul...1 hpm th. same incident
lhllt. III I "\.JII\Uy took p1.ce at tllIt Cold Ilprlngil tno in the early
roornln\l hout:lll ot Man'h :II;, IfJ!I4,
10, CorlilOllrllH Ion of th.... tWo oIct i01l1l will not prejudice
any r1 \lilt of any f>1H t Y 1.0 t lil. act j Onil and ill 11eIJ I rabl e becausl! I
(,,) It will preVent lllu;HHe81J ellpenliu, to the parti"ll In
1>1 earH ngs, mot lor!il and d I SCOViHY I
(h) It will PI"VCHlt. <iuplkation of effort by the
IIUIlUI ill>! e cuurt. I and
(el It wIll 1H..v"nl Ih.. l,ot'Hlllal fur inconsistent
v.. nl I ct. II .
11, In thli lnl;...I..... or JIHllle.., theli. two Iilctlolllilllhould be
('olllOulltl,Hi>,j ..,,,j )ol.n,,(1 t()1 l'Ufl)OB"lI of discovery and trial,
Wltl.lro.., hHlllono;ll, iieglli InsurllnCiil Company, respectfully
1"'I'HUllli tlllit t.h1!i H"'101;llhl!i ("111ft \jliilnt it. \letltion ror
C'wllwii,i..t Ion "r Wi...J.lll.\alU1.l;.a__.\:\Ol[flJ;liinY__~A_Miil(W.J. ~, It Ill., No,
~I 2119 <end IilYf4bllJilIL~..)'\i.fjJr...._t'--,.Jll.., No, fI!i-1715, and "nter the
.ii.ll4liHI Wiri
,l-
p~oposed order accompanylnu this Petition,
Respectfully submitted,
WHIT. AND WILLIAMS
BYI
tJii;..-.,
William J, hmidt, E.quir"
Attorney r ~atitioner,
Re~i. In,uranca Company
Datel CJ./S.'17
~gl"'" "..
-4.
WHITB AND WILLIAMS
'BYI William J. Schmidt, Esquire
Identification No, 36637
1800 One Liberty Place
Philadelphia, PA 19103-7395
(215) 864-6209
Attorney for Petitioner,
Regis Insurance Company
JAMES M. BAUGHMAN,
Plaintiff
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
CIVIL ACTION - LAW
v,
JAMES B, ADAMS, IndividuallYl
and B&P MAX. INC, tldlbla
COLD SPRINGS INN.
Defendants
CASE NO, 95-3715
....t..........._,..,_...._.___...........,_,..........,.........
REGIS INSURANCE COMPANY,
Plaintiff
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
CIVIL ACTION - LAW
v,
BRADl,EY [), MAXWELL/ PATRICIA
A, MAXWELL/ B&P MAX. INC,
tla COLD SPRINGS INNI JAMES
M, BAUGHMAN I and .JAMES 8,
ADAMS,
CASE NO. 97-2149
Defendants
MEMORANDUM OF LAW IN SUPPORT OF
PBTITI2H-2l-RlGIS INSURANCE COMPANY lOR CONSOLIDATION OF ACTIONS
I. FACTS
This petition to consolidate involves two lawsuits filed in
connection with an alleged tortious assault that occurred in
March. 1994. 80th actions were filed in the Court of Common
Pleas of Cumberland County, The first action was brought by
James Baughman against James Adams an(1 B&P Max, Inc, t/d/b/e Cold
Springs Inn, In that action. Mr. Baughman seeks damages for
bodily injury as a result of an alleged incident involving Mr.
Adamo at the cold Spdngs Inn in the early morning hours of March
25, 1994, awt Exhibit "A".
The second action is a declaratory judgment action brought
by Regis Insurance Company, Regis issued a policy of general
liability insurance, No. RL 103953, to Bradley 0, Maxwell,
Patricia A, Maxwell and B&P Max, Inc, t/a Cold Springs Inn,
effective February IS, 1994 to February 15, 1995, Regis was
notified of Mr, Baughman's claim against Cold Springs Inn and has
defended its insured under a reservation of rights, On April 24,
1997, Regis filed a declaratory judgment complaint, seeking a
judgment that it has no duty to defend or indemnify the named
insureds under Policy No, RL 103953 in the personal injury action
brought by James Baughman, awt Exhibit "B",
In the personal injury complaint, James Baughman alleges
that, on March 25, 1994, he was a patron of the Cold Springs Inn,
Mr. Daughman claims that he sustained bodily injuries, including
"a bimalleolar fracture dislocation of the left ankle" as the
result of an alleged assault by Mr, Adams upon him, ~ Exhibit
"A" at Paragraph 10(a). Mr, Baughman alleges that Adams
"attacked him violently, pushed him against a guardrail, struck
him repeatedly with his fists, and shoved him into a large
pothole along the berm of the roadway directly abutting the Cold
Springs Inn." a.w=. Exhibit "A" at Paragraph 9,
The basis for Regis' declaratory judgment action is an
Aesault and Battery Exclusion endorsement contained in the policy
issued to Cold Springs Inn. aAA Exhibit "9" at Paragraph B. In
301U1F1.NPI
-2-
the declaratory judgment action, Regis seeks a determination that
it has no duty to defend or indemnify Cold Springs Inn, because
the personal injury suit alleges injuries arising from an asoault
and battery, which claims are clearly excluded under the policy.
The instant petition asks the court to consolidate the
personal injury action with the declaratory judgment action.
II . ARQUMINT
Consolidation of the instant two actions is appropriate
becauee it satisfies the requirements of the Pennsylvania Rules
of civil Procedure and because it furthers the goals of that
rule, The decision whether to consolidate rests soundly within
the discretion of this trial court, Roznowski v, pennsvlvania
National Mutual Cas, Ins. Co" 343 Pa, Super, 7, 493 A,2d 775
(1985) I 20 Appleman, Insurance Law and Practice S 11371, p, 408,
The court may order consolidation at any time, regardless of
whether the pleadingo are closed, discovery is comploted, or both
caBes are at issue, Financial Entenl1.:i.u.\llb...JnC. v. Hadnor
Indus.. Ltd., 13 D, I. C,3d 600 (1980).
A. CONSOLIDATION IS APPROPRIATE UNDER PA, R. CIV. P.
:I131al
Rule 213 (al of the Pennsylvania Rulss of Civil Procedure
providf'ls for consolidation of actions when tho actions involve
the samo factual questions and arise from the same occurrence I
In actions pending in a county which involve
a common question of law or fact or which
arise from the same transaction or
occurrence, the court on its own motion or on
the motion of any party may order a joint
hearing or trial of any matter in issue in
the actions, may order the actions
10U"". WI'I
-3-
consolidated and may make orders that avoid
unnecessary cost or delay,
This declaratory judgment action brought by the insurer of
one of the parties to another action is suited to consolidation
with the underlying action, pursuant to Rule 213(a). The
declaratory judgment action and the underlying action involve the
same factual issues surrounding the incident that is the subject
of the litigation, The personal injury action will involve
questions of fact regarding liability for Mr, Baughman's alleged
injuries, and the declaratory judgment action will involve
questions of coverage as they relate to the liability for Mr,
Baughman's injuries,
A determination of whether the insurer owes the insured a
defense or indemnification rests on the allegations of the
underlying complaint, AlItna Cas, and Sur, Co. v, Roe I 437 Pa,
Super, 414 I 650 A, 2d 94 (1994). If the complaint against the
insured makes allegations unambiguously outside coverage of the
policYl the insurer has no duty to defend or indemnify, BritamcQ
Underwriters, Inc. v. Stokes, BSl F, Supp, 196 (E,D, Pa, 1995),
The instant declaratory judgment action will involve factual
issues regarding Mr, Baughman'S allegations of assault and
battery, to determine whether the policy exclusion encompasses
the allegations. The personal injury suit will naturally involve
the same questions of fact surrounding the incident that gave
rise to these two actions,
Thus, substantially the samB evidence would be introduced in
both CdseSl evidence about the incident for which Mr, Baughman
iOI46." "'t'.
-4-
seeks to hold Cold Springs Inn liable and for which Cold Springs
Inn seeks indemnification from Regis, Furthermore, the two
actions clearly arise from the same occurrence, as Regis would
have had no cause to bring the declaratory judgment action absent
the incident giving rise to the personal injury action.
Because the declaratory judgment action and the personal
injury action involve common questions of fact and arise from the
same occurrence, they are amenable to consolidation under Rule
213 (a) .
B. CONSO~IDATION WI~~ FURTHBR THB PO~ICIBS BBHIND PA, R.
CIV. p, 2131.1
Pennsylvania courts have approved the practice of
consolidation of actions under Rule 213(a). Azinqer v.
Pennsylvania Railroad Co" 262 Pa, 242, 105 A. 87 (1918) I
~uaviva v. Hartman, 203 Pa. Super, 505, 201 A,2d 239 (1964) I
:ti.llk v, DuffY, 201 Pa, Super. 213, 192 A,2d 251 (1963). In
support of the rule, the cases cite certoin policy
conniderationn. Consolidation of the instant personal injury
Buit and declaratory judgment action will further the policies
behind Rule 213(a).
The Pennsylvania superior Court has noted that consolidation
avoids unnecessary delay, expense and duplication of effort,
resulting in benefits to the court and all parties to the
actions, Acquaviva v, Hartman, suera, Consolidation also
prevents the possible rendering of inconsistent verdicts. aiAA
~~~, suera.
20146Hl,NP5
-5-
In Clark v, Khan, 52 Erie 96 (1969), the court granted a
petition to consolidate where there were common defendants,
statingl "[t]his, in our opinion, weighs heavily in favor of
consolidation . Consolidation of these casss will not only
save time and expense for the parties involved, and cost to the
county, but will prevent the rendition of inconsistent verdicts,"
~ at 99/ ~ ~ Hare v, American General Life Ins, Co" 43 D.
& C.2d 126 (pa. Com, PI, 1967) (permitting consolidation of suit
by beneficiary for life insurance benefits and suit by insurer to
rescind insurance policy for misrepresentation) ,
In the instant action, the commonality of parties is in
favor of consolidation, Cold Springs Inn is a defendant in both
actions, and James Baughman is a defendant in the declaratory
judgment action and a plaintiff in the personal injury action.
Consolidation will thus prevent needleso expense to the parties
in repetitive pleadingo, motions and discovery, To twice
litigate the issues surroullding the incident and Mr, Baughman's
injuries would waste the reoources of all parties. All parties
are likely to benefit from the consolidation through the
reduction of expense attendant to a consolidation of actions.
Moreover, tho Court will benefit from consolidation, which
is the main focus of Rule 213, "It is the savings in total time,
total expenses and total effort , that are the desired
objectives of the rule," Financial Entercrises, sucra, at 604.
Conoolidation will prevent duplication of effort by this
J01.'6'1.W~'
-6-
Honorable Court, Time taken in dillCLlvery. l'r~tdal lIlutlunll and
conferences will be substantially reduced,
Additionally, consolidation will prevent the potential for
inconsi.tent verdicts, which is another purpolul of the lul.
allowing con.olidat ion. IU.J..Is. v, OuU~, ilUJ2.tA. It tllll cun were
tried .eparately, one of the actions might le.ult in a finding
that an assault and battery caused MI. Paughman's injurl.., and
the other might find the injuries were due to anothel caUye,
Such an undesirable inconsistency ia avoided by consolidation of
the two actions,
In ~'lnllnilil..e;nt;,lUL1ri.l:Iil. Inc.__~.....R.ilt.1.wJ.;[.....lnl1la......_J.lJ1.., 1] D,
, C,Jd 600 (1980), the court stated that "lalvoiding unnec....ry
delay, expenses and duplications of effort is the laudable
objective of the rule, beneficial to the coun and to the
litigants." 111. at liOl. In that callS, the court allowed the
consolidation in the ahuellce of Ii clear showing that prejudice
would result: from t.he COllllOUllatioll, .11.1. ('Ollsol1dllt.ion of the
two aotions at bar w1l.1 l\<:l\: llf6jlHllcl:I .IIlY right of any party \.0
the action/l,
The faot that II Iletermlllat lOll of ('avengll 111 TeCjulIl.ted III
the declaratory judgment action, whoreaa a detttrmin.tion of t(nt
liability i. requested In the peraonal Injury actloll. i. not ..
bar to conaoUdatlon, In WUf.lU..'l"_!"nn,Yb.A.Uil...Jai.u.QAl1~,,,
:162 I'll, 242, 105 ^, 87 (1918), thts Vennllylvanill Iluflnme COlU\:
held thatl
Whll. ..parate actian. in favor of or again.t
two (2) or 100re plnllona have ad.en out of ..
;fOlUH1 iir'
,'I,
till'S. and the other tontgolnq rliliUH1ll8, llllylM reapllcttully
requaBte thl~ Honor.hle Court to con8ol1dlite the declaratory
jwlymont .ation, B.lll11 V, Maxwell. .1;.....1.., with the underlying
I'cownd injury .uit, .ll.IlItlllltU v. ~dl\nlll....Jl.L.Al..
~..p.ctfully eubmitted,
Ilyl
tJ4un( ... ~4~..;dL
wtl Ham J./"i(; 1m-felt, It.quire,
AttornllY 0 Petitioner,
Regie In anee Company
nlte'
9'15.'71
jd"HIit I ~r'
....~
WHITK AND WILLIAMS
BYI William J, Schmidt, Enquire
Identification No, 36637
1800 One Liberty Place
I'hiladelphia, I'A 19103-'/395
(215) 864-6209
Attorney for Vl.intitt,
Regis Insur.nce Company
REGIS INSURANCE COMPANY,
Pla int if f
v,
COURT OF COMMON PLEAS
CUMBERLAND COUNTY
CIVIL ACTION - I,AW
BRADLEY 0, MAXWELL, PATRICIA
A, MAXWELL, B&P MAX, INC.
t/a COLD SPRINGS INN, JAMES
M. BAUOHMAN, and .JAMES B,
ADAMS,
CASE NO, 97-2149
Defendants
AND NOW I thio
o ROlli R
day of October, 1997, it 18 hereby
ORDBRBO and OBCRKBO that summary judgment is granted in favor of
the plaintiff, Regis Insurance Company, and it is OROK.BI> that
Regis Insurance Company has no duty to defend and/or indemnify in
the underlying action filed by James M, Baughman against "&1' Max,
Inc. t/d/b/a Cold Springs Inn and James B, Adamo in the Court of
Common Pleas of Cumberland County, Case No. 95-3715,
BY TilE COURT,
J.
jJlHttAn,wPl
). lletellliant, U&.P Max, In(.', tla Col,l HI'IIIl\Jll 11111, jll it
corporation rogllltole,i ullder the lawn of the Cornmollwl!llllth of
Pennsylvania with a principal place of buairloae located at 25ft
I'/uk Place l,ane, Mechanicllburg, Cumberland County, Pennaylvania,
17055.
4, D.f.rldillnt, Jam.s M, Baughman, 111 an adult lndlviduill,
who at all times hareln concerned resided at 9770-B Carlisle
Road, Dtllsburg, York County, Pennsylvania, 17019.
5, Defendant, James II, Adama, ill an adul t I ndi vidual, who
at all times henin concerned rellided at 115 Ilemlock 1(1).d,
Mechanicaburg, Cumberland Count y, l'ennllyl vania I 1'/051>.
6. Plaintiff filed thia Declaratory Judgment Complaint on
April 24, 1997, A true and correct copy of the Declaratory
Judgm.nt Complaint (without exhibits) is attached hereto as
Exhibit "A".
7, On or about May 14, 1991, Defendant Ilaughman filed an
answer to the Declaratory Judgment Complaint, A truo and correct
copy of aaugman'o Anewer is attached hereto ae Exhibit "a",
a. Detendants, Bradley D. Maxwell, Patricia A, Maxwell and
a&.p Max, Inc, filed an Answer ~nd Counterclaim on or about July
22, 1991, A true and correct copy of the B&l' Max defendants'
responsive pleading 1s attached hereto as Exhibit "C",
9. On August 5, 1997, Regis filed an Answer to B'P Max's
Counterclaim, A true and correct copy of Regis' Answer to
Counterclaim is attached hereto aa Exhibit "0".
lOIHAI'HWP.
10, On August 29, 199'/, judgment wall entered against
Defendant Adams, after Adams failed to answer the Complaint, A
true and correct copy of the Notice of Entry of Judgment is
attached hereto aB Exhibit "E",
11, At all times nlevant hereto, Plaintiff Regis issued a
policy of general liability insurance No, RL 1039&3, effective
~'ebruary 1&, 1994 to ~'ebruary IS, 199&, to Dudley O. and
Patricia A, Maxwell and B&1' Max, Inc, A'rlMA tla Cold Springll Inn,
A copy of said policy is attached hereto, marked Exhibit "F", and
incorporated herein by reference.
12, Policy No, RL 1039&3 contains an Assault and Battery
Exclusion endorsement. See Exhibit "F".
11, Defendant Michael Baughman has filed a Complaint
against Adams and Cold Springs Inn, seeking damages for bodily
injury ("Underlying Action") as a result of an incident which
allegedly occurred on March 2&, 1994 at The Cold Springs Inn, A
copy of said Complaint is attached hereto and marked Exhibit "0",
14, On or about February 5, 1996, Baughman filed an Amended
Complaillt, A copy of said Amended Complaint is attached hereto
and marked Exhibit "H".
15. In the Underlying Action, Baughman alleges that, on
March 25, 1994 he was a business invitee at the Cold Springs Inn,
(Exhibit H at paragraph 25) ,
16, Baughman further alleges in the Underlying Action that
he sustained bodily injuries as the result of actions taken by
Adama, (Exhibit H at paragraphs 9 and 10),
l(IIUAtlf Wi't:.
-3-
1'/. Uaughmllll 1l111il\jes A,tamll "aUa<'k",t him vlult!lIlly. l'ullhfHt
him againllt a guardrail, IIlruck him repeate'tly wILli lile tlJitli,
and shoved him Into II large pothole along ll~ berm of the roadway
dinctly abutting the Cold Ilpr1I1\.1a IlIn." (Exhibit It III fliHlIgraph
9) .
18. Baugman hlUl testified In thll UlIdlldylnu Action that he
was injured while in the cour08 of all altercallon with Adama.
(N.T. Baughman, pages 21, ~9 and 61, attached hereto aa Exhibit
"1") .
19. Pursuant to the Aosault and Battery Exclusion of .olicy
No. RL 103953, Regia avers that It does 1I0t owe either a ctetense
or indemnity to Bradley D. Maxwell, Patricia A. Maxwell and a,p
Max, Inc. A'1'IMA t/a Col(1 Sprlngo Inn, with regard to any of the
claimll Bet forth in the Underlying Action.
WHBRBrORB, Plaintitt Regis Inliurance Company re.peettully
requests thia HOllorable Court to gnnt. lIumlllluy judgmellt in It Ii
favor holding that Policy No. RL 103953, i.sued by Regia
Insurance CompallY, dOllS not cover detendantll, Iira(.lloy Ll. Maxwell,
Patricia A. Maxwell or U&P Max, Inc. t/.. Cold llprlng.. Inn. with
regard to the averments made, and damages Bought. by .'amell M.
Baughman as plaintiff in the UndlilJ"lyiny Act.ioll, a/ll1 that J~tlglll
Insurance Company hall no duty to defend and/or indemnity
defendant II Bradley D. Maxwell. Patricia A. Maxwell and/or B'P
lU1U~".WJlli
". "
ExhIbit A
It'
WHITI AND WILLIAMS
Il,{ I William ,J. !lotunlltt
Attorney 1.0. No. 16617
1900 One Llblllty Place
1'h I hdelllhill, I"A I 'Jl OJ. '1195
(:.)15) !l64'1>20~
ItEOIS INSURANCE COMf>ANY
lOll old c..latt Road
lhlrwyn, PA 1931:1.
llhllltlft
v.
BIlADLfi;\, D. MAXWJi:L,l..
701 Ridge ROAd
Lewilheny, VA PHil
and
PATRICIA A. MAXWELl,
701 Ridge Iload
Lewllbeny, PA 17J 19
ilInd
Il'" MAX, INe. t / a COLD
SPRINGS INN
258 Park 11laco j,iUIll!
Mechanicbburg. VA 17055
IInQ
JAMj,;tl M. IlAUOllMAN
9770-1l Carliule Hoad
Dillablllg, l'A 170111
'llld
,JAMIIS II. A!JAM!>
) 15 Hlilmlock RCliHt
Mechan1cllbllt <J, 1',\ 1 fjOfj!) ,
Dl.ltendantll
Mflf,
,.-/ ...,. ~H. hl.'~ "hH if I"~ .'I~" 'fl.." If' "0 .:If.oct H'
~t~ ~~' i :', ~ ",...!.,.,l"'~~l' '1U~.m, .'";.4;:: .~;u.r::,';'!,.,;"','~:, :~;~\' ..;: !;!U
,"".""1 If U I, ........r h,f "f'"1'~ ..",,,', '0.", ,!. ""'1'1 H4 "",huf
::... '~r:!,:"1. t:~ !:~~ "::::'..::'.!~:~.~ ',",~'::,:,'t 'l":~ .,.;.~i il,~ ":~i.~.tt. '
I.""" ..,u., t.." t, ,.., ..,,-.,, .oll",'", I""~.I ,~I, . I~t '~"'n'r ""n'
:::"l:::\:~'~~,~l "t"l':;';:~'~" :!t.:.~~ ::t,;~'I.~'.;tf.':,'~ :~l~:' f _'H.
I'''' '.. ""1-01 1.,.4 1",.~.tl1 h'.; ~j' "."'" 'I .'11" 'I t "i ,., i1r." ~h' ..
i'i"" ''; ..,.,.." AH'''li <W ,ot< h 'Il' "'''If.... 1;;),,,,. .., L.i~ fl"'I' ,,'
111ll\f''''tWMItll<Ci'U''I''_I't;,
'''t:t''''.IoMi'~I'''.Ht'',I'lj''''
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f'U\.l,l ~ "UfUlbl , tiJtJ<t
1'11. 1;'I'''I'hU~'' t1Uif.
l:ull. t. t4 IIi..
1tltphnnt 'll U9Hl,lD
irjltJi~1 WI"
AttOfPIY. tor Pl.lntiff,
"'91. In'ur.n~u CompAny
COURT 0' COMMON PL~Aa
CUMBERLAND COUNtY
cIVIL ACTION . I,AW
..tUllY TR lA', D~~O';;P
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...."....*.1.... It ,u. up!, '~H .''''''''.''.' '""'."'~" ,.~""~. 'f" ",' ~
lht.! ,jib" 1,J,;~:u "I~'fiil.!. =/:{"I'J4: "',. j;'f
f....I'f.Jt: 'i"'!lI;,i U!lo'I ItH. 'I, i. i~ !"",,,. ~ "fP"" ~. ',..... f ,,~,d,,!, J
'! $""1.. ".1"'"1 t"j,1t .,j #u'.~. ~ .', 'lJlj, ,""!I f i" ....,"'1., F
:~l:1 H.'~ lll.~~',~:.i!!:;rff ::r'4 :nt:: 't,/ri'~~",\~ i~'~~
~ ....~',h'''U ..s::., '; ':~I\' .~<:J, l.tt~" , ",,,.J.., '~!..1.",! ,
UJ-!!fU ""f!" ;"""If ;... ',0"\ 'H ""'."~"H .o, 'J" ~1~"'" ",.'"
"'~."I'Uh'. "'."'" ",.." '''f''''..iU. .,,,.'.......,,."". Ilt".".....,' ~..;
"5
H ~ It'SI:nr:;r,t,j n"et;~; :';,;;',rt:":; ,,~},,~.!lt:itlrt~,~',,~t
"1''<<;). · 'j ~"'niL: ',:il4 ~~14.1i l! ",,;...,l.. U!\'fj bLi~ i.tU
4. Ii"''''' i<...ct tj fl'=' -".,uu, U:j:,., 'i ,f;';..\i
u"'.~. ""'l""" 01 "1r'-
..,_~' H:U'.j;,U,;,fr
:"'11' ~jtl1it U~"J . l..ltrt..
,,,'. f,";it<"lh.."... :"f"'"
(It!J.l'..... 41;;0
,.J 14... "J H;4 '_loti
located at lOll old C.-QUill\. Road, lIerwyn, Clleoter County,
Pennsylvania 1931~.
~. Defendant, llradllly [J, Maxwell. ilill an ildult individual,
citizen and resident ot the COlllmonwealth of Pennliylvania,
residing at 701 Ridge Road, Lllwiaberry, penn.ylvania 17119.
3. Dlltendant, Pat.dda A. Maxwell, i. an adult individual,
citizlln and resident of the Commonwealth ot Pennsylvania,
relliding at 701 Ridge Road, Lewi.berry, Pennsylvania 17139.
4. Dehndant, BU'Max, Inc., t/a Cold Springs lnn, is a
corporation organhed and exiat ing under the laws of the
commonwealth of Pennsylvania which, at all times ral.vant to this
Complaint, owned and operated an establi.hment known .. the cold
.
Springs Inn, :158 Park Place Lane, Mllchanlc.bllrg, Cumberland
County, Pennsylvania 17055.
5. Defendant., ,James M. Baughman, is an adult individual,
citizen and resident of the Comlllonwealth of Pennsylvania,
reBiding at 9770-1J carlisle Road, Oilhburg, York County,
Pflnnsylvania 17019.
6. Defendant, Jamell B. Adams, is an adult Individual,
citizen and re.ident of the Commonwealth of Pennsylvania,
relliding at 315 Hemlock Road, Mechanioebul-g, Cumberland county,
Pennsylvania 17055.
7. At all timell relevant hereto, plaintUt iuued a
general liability ineurance polley, No. RL 101951, ettectlve
February 15, 1994 to February 15, 1995, to Bradley D. " P.tJ'lol.
A. Maxwell and B'P Max, Inc. ATlMA T/A Cold Springs, lng, e/Q
aouuu.wPl
-3-
Brad Maxwell, 701 IHd'.le Road. I,ew~.b.ny. l'olin.yIVillil.. lIH~ A
copy of the In.uranee policy Ie attached horeto al ixhlblt "A",
8. Regie policy No. R~ 101YSl contained an A..ault ind
Battery ExcluDlon. (B:xhiblt "B").
\l. On or about May 11, 19 rn, dehndant Jilme. M, ailU\lhman
filed il Complaint iI'.lalnlt detendants, Jame. p, Adam. and B'P MilX,
Inc. t/a Cold Springe IlIn, .eeklng dama'.le. for bodily IlIjury a.
the re.ult at an Incident which all.gedly occurred on Milroh ~~.
1994 at or near the property occupied by tha Cold Springe Inn.
(Exhibit "C").
10. On February 5, 1996. defendant UaUllhman t lied an
Amended Complaint agalnn defendantl, A,lam. and Cold f:iprlng, Il1n~
(Exhibit "0").
11. In hill Amelllll1d Complaint, defendant Ilaughman ,dlogo.
that he and rletendant A<lllrnll were patronll In the Col(1 6pt'inga Inn
when all altercation occunecl inside lhll tavern.
12. 'I'llenatter, defendant. llaU\lhrn,UI al18\1ea thilt he Wi"
attacked by defendant Adam. when he let! 1 till Cold llpr in\lll 11111 awl
that he Bu.talned bodily InjudeD III a nault of the attack.
13. Plaintltt believea and thantou aven thllll .11
allegation. contained In the Amended Complaint tall within the
exclu.ionary provielone of the Aleault ami aattery u:xclueion
contained in Policy No. RL 10195).
14. Plaintiff bellevee and ther.tore avere that it do.. not
owe a detene. or indemnification to Bradley D. Maxwell. Patrioia
~OlunJ ."
.J.
V.Rlr~CATIOH
I, Joel Klock, hereby depose and state that I am a
repre.entative of the plaintiff, Regi. Insurance Company, in the
action herein, that I have reviewed the foregoing document and
that the facts eontained therein are true and correct to the belt
of my knowledge, information and belief. To the extent that any
of the statements are baeed upon an understanding or application
of law, I have relied upon counsel in making this verification.
I under8tand that the Itatemente made herein are made
subject to the penaltiel of 18 Pa. C.S.A. 14904 relating to
un.worn falsification to authoritiell.
Pated.
fhA,
~
Klock
egis Insurance Company
'.11..11.'.
E.hll.lllll
Odendanl', Uradl.y O. " I'ulrlclo A. Ma~well und 0 " P Mu, Inc. Al'lMA T/A Cold
Sprlnl" Inc. c/o Orad Ma~well, 701 RIIII' Road, L.wllbury, I'.nnlylvanla, 17399, Ihl.
ollelullon or l'lulnllrrl l'arUlroph 7 I, ullmlllell. In all 01 her reapecl., aNer re..onubl.
Inve'IIJlallon, l>erendanl Jome. M. 1I0uJlhnllUl I. wllholll Inrormalloll or knowledJl'
IlImclent to forrll a belief 0110 Ihe Irlllh of Ihe remlllnlnllOlleJlallon. In l'lalnllrr.
I'llrllJlrllph 7, IInd sold olltlllllhllll lire Ihel'erore denied. Slrlcl I,rour I. demanded 01
11'1111.
8. Admllled In 1'01'1. Uellled III 1'"1'1. To Ihe edenl thllt 1'llIllIlIrrl Iillltlbll
"II" II 0 Irlle ond IIceurllle copy of II /lellcmlllllhlllly policy Iuucd by l'lolnllrr 10
Hefendonl., IIradley U: & 1'lItrlclll A. J\liuwcllllnd II & I' J\lu, Inc. ATIMA T/A Culd
Sprlnlls, Inc. c/o IIrlld I\Il1swell, 701 IUlllle Itolld. I.cwlshcrl'Y. I'(,"usylvllnhl, 17399, ond
lolhe eslenllhlll slIhlpulky ('(IIIIIIIIIS 1111 uduslun IlIlcd "Assllull & IIl1l1ery Enlullon,"
IlIese IIl1elllllloll,~ or plll'lIl1l'lIph K III'C IIdIllIIlCII. In 1111 olhel' f'('sJlech, IIftel' I'eosoullhle
InveslIllllllolI, Ilefelldlllll .IlIlIIes 1\1. IIUlIllhmlln II wllhllul IlIrOrmlllloll or kllowledllC
sufficient 10 form II heller III 10 lhe Irulh or Ihe ,'elllalnlnllllllellallolll III l'lulntlfrl
I,uragral'h K, ulld 8uld II11ellOlloll8 lire Iherefore denied. Slrlcll,roor 18 demondeclllt
11'101.
l) . II. Aclmllled.
12. Admllteclln Jlurl. l>ellleclln pllrl. It I. adlllllled Ihut Odelldant Jam.. M.
lIaullhmun, h.. ulleled Ihat h. .u.talned bodily Injurle. at Iho Cold Sprlnl' Inn and
2
i
~
Ih,llhu.. Il\Iurl.. w.r., Illlunl, l,rulln..I.l,. flU..d by IflluM ur l1.r.nd.nl A,t.nll.
TII Ih. IIlenllha. plrl.rll'" Illmlllle. Ihlll Uer,ndlnl Adllm", I~.IIIM Wft. Ih.
enlullv, 1"11 flUI. 0' Ueffllllanl tllu.hlllln'. bodily InJul'l"', IUfh 111...1111'" II'
l'I.IrIlI"., 11'1"II'al'h Ilal" 'Il,dnl'lllly dtlll.d,
U. 1'lIdllllff hM ,Ialed IIIIHlu,lolll or law III whld, IIU 1'.'1'"11" I, ftll"ll'.d
ulld,r Ih. 1'.nnlylVIIllla ICllln uf ('IIIII'r"ndllrl, II)' WII)' "f fllrlh.r 11111"'1', U","da"l
IIlIullh",all III,dnCIIII)' ","In Ihal Ih. all..1I111I1I1 1'111I III hltllI" hll AIII.lld.d ('(111I11111111
filII whhlll Ih. all'M.d 'lflll.lulIlIl')' l'I'ull,loIII IIf Ih, 1"llInlllflll'ullq III IIU!!Ilhm.
14. l'lalllll" h.1 IllIlflll'lllllllulonl IIf h,w In wlllrh IIn "UI'OII1" I, rellul..."
uIIII.r .he 1"IIII1}'lvlIlIllI lIulu uf 1'lviI l'nil'lalul'r. II)' \Ill)' uf rurlh.r 11II"lff, llderllll*1I1
1I1111/1hnlllll 'IInlfklllly 11,"ln Ihul 1'llIllIlI" dlln 1I01U\l' IIllrrelll' II/' IlIdr/llnlnfl\lhm lu
lI.r,"dlllll IInulll')' II. MI,,""'II, I'lllrldu A, Mlllwell, IIl1d/nr 1\ '" I' Mil', hlf. 1/11 ('uhl
HlIl'hl'" 11111 willi 1I'''llllllu lh. dulml Itl fllllh III U.f,lIdIlIlIIlIlU/lhlllllll'l Am.lIIl.d
CUlIIl'llIllI1.
U.17. Admlllfll,
WIlJ<:lUWOltl(, Ildfllllwnl JlllllU M. 1lIllIlIhlll/lIl, 1""".Mully r,IIUtl.1 1".llhl,
Cuurl ('111"1' II ""dlll'lIlIIry Judlmelll 1,11I... 'Uflh Ih, tlllhll, dill I.. .1l11 ubllll.lluI\I ur I".
/llII'lle. herein lll'wrdllllllll Ih, llllelllllllllll "I rUl'lh III Ih. '"r'lI"hlll Alii"'''" "'
",felllllllll Jllm'l M. lia"lhrlllll Tn "11111111"., {'olll/llallll 1'111' Il,dafalllry Judllm'"I,
1
Rupeettully lubmllted,
Datedl Pd.)' 14. IU7
~
IlARRISON L. ANDRRS, RSQUIRR
Altorney for Ddendant,
Jame. M. Baughman
1.0. '38152
Sulto 60 I
18 South George Slreet
York, PA 17401.1425
(717) 845.5537
~
4
VIIlRIrICATION
I verity that the ,tatemente made in the tongoing
pleading are true and correct to the belt ot my knowledge,
information, and beliet. I understand that talse statemente herein
are made subject to the penalties ot 18 l'a.C.8. Bection 41104
rolatinQ to unsworn falsification to authorities.
Datedl "71f!J. 11,.19? 7
e~ /l" ~J-
"
James M. Dauqhman
~~RTIFICATR OF SERVICE
I, HARRISON I.. SANDERS, ESQUIRI!, do hereby terllry th.t I served
the roreaolna ANSWER OF DI!FENDANT JAMES M. IIAUGIIMAN TO
PLAINTIIIII'S COMPLAINT FOR IlECLAltATORY JUnOMENT on all tounsel or
retord by placing the lame In Ihe Unlled Slllle. mall, poslule pre.pald, n...t el"l,
addreued III rollowl'
,.
..
William J, Schmldl, RN1lulre
WlIlTI! & WILLIAMS
1800 One Uberly 1'llIee
I'hlladelllhla, I'A 19103.7395
WIlliam I', noulllu~, 1\~llulre
DOUGL.AS, 1l0Um.AS & nOUOLAS
1.7 Wesl IlIlIh Slreel
Carllsle,l'A 1701l
Lawrence J. Nellry, RS1lulre
CONNm.LY, nmn & SI'ADE
108 . 111. Wlllnul Slreel
1'.0. 110. 963
Harrisburg, I' A 171011
Sleven M. 1I0vls, Rlllulre
STOCK & LEADHlt
35 Soulh Iluke SIreel
P.O. 110. 5167
York, I'A 17405
exhibit C
~ ]
REGIS INSURANCE COMPANY,
Plaintiff
: IN THE COURT OF COMMON PLEAS
: CUMBERLAND COUNTY,PENNSYLVANIA
: NO. 97.2419 Civil Term
: CIVIL ACTION. LAW
: JURY TRIAL DEMANDED
v.
BRADLEY D. MAXWELL.
PATRICIA A. MAXWELL,
B&P MAX, INC. Ua COLD SPRINGS,
JAMES M. BAUGHMAN.
JAMES B. ADAMS,
Defendants
NOTICE TO DEFEND AND CLAIM RIGHTS
You have been sued in Court. If you wish to defend against the claims set forth in
the following papers, you must take action within twenty (20) days after this Complaint
and notice are served. by entering a written appearance personally or by attorney and
filing in writing with the Court your defenses or objections to the claims set forth agaInst
you. You are warned that If you fall to do so, the case may proceed without you and a
judgment may be entered against you by the Court wilhout further notice for any money
claimed In the Complaint or for any other claim or relief requested by the PlaIntiff. YOll
may lose money or property or other rights important to you,
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF
YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE. GO TO OR
TELEPHONE THE OFFiCe seT FORTH BELOW TO FIND OUT WHERE
YOU CAN GET LEGAL HELP.
.
.
/
-
VERIFICA TION
l. Bradley D. Maxwell, being aulhorized 10 make auch verification on behalf of B
& P Max, Inc., do hereby verify that the alate menta made In the foregoing Anawer and
Counterclaim are true and correct. I underatand that falae atatementa herein are made
aubject to the penaltlea of 16 Po. C,S. Section 4904, relating to unaworn falllficatlon to
aulhoritiea.
Dale: 7- r- 97
B & P MAX. INC
if~~{J~f1' ~~..#J
BRA LEY 0, MAt EL
VERI FICA TION
I verify that the Itatements made in the attached Answer and Counterclaim are
true and correct. I understand that false statements herein are made subject to the
penalties of 16 Pa.C,S, Section 4904 relating to unsworn falsification to authorities.
Dale: '1-1-((7
~ r- j.{ ...... a.Q -,
BRADLEY 0, MAX L
exhibit 0
WHITt AMP WILLIAM.
BY, wllllilR\ ,], iJehmldt
MtOOlllY Ill, No. 366n
1800 One Liberty 'lace
t'hl.l.ltfill{ihlil, ~'A 19101.7195
IllS) 864 li2()~
Atto~n'Ylil tuf ~l.lntltt,
aeQilil Inliluranoe Company
REOIB INliURMlCIi: COMPN/Y,
.
"-'1
'j\
I
n
.0
..1
"
,'l
I
(...\
1
'!Il}
pl.intltf
CQURT 0' COMMON f("'Ii:A/J
CUMIU:IHJ.NP COI1N'1'Y ,
CI VI L ACT lOti . t.....W
~.< 1
.
, .~
\\,
, ;\~~
',\
','11
....
v
IiRAPI,1lY p, MAXWltI,l., PATH 1 C IA
A, HAXWKLL, lilU' MJUt, INC.
till COLD SPRINGS INN, JAMES
M. Il^UOHMAt~. al1l1 ,} AMER B.
ADAMS,
....,J
.'
,TURY TltIAL l:.lltMANDIW
-
".
1-.1
CASE NO. 91.214j
0.. t ..ndant II
'l.AINTI,,'/i1 AH/ilWlR TO BRA.OLI't P. AND 'ATIIClA A. MADILL
AIW...U-JfAl.. .DfC. ."t.LAJi.QLILJlll.041 -ItQf'.JI.",~m"(;4Jlf
~'hlnr I tt, lle[Jlu In.urane\! ComJ'any, t,y allll through it,.
C'rj\llllH:ll, White, and WI I Hallll'!, h"tl>hy rllilril..ii all ..llegiOtlcms ot
llahllltyagalnot It ami rBoJ'olldli to ddt.ndanlll' Counterclaim !llil
to,] 1 fJWii ,
1'1, l'drii\Haph 1'/ ot det.-n<!alllll' ('Ullllll>t"lalm POIlt..ln,.
,'mdlllll"ntl ot !llW t.o which no rlilliponlUI III nHlulu(j \UH'lfilt nUl
II..nlll>ylvOIIlI.. llut.. of Civil 1't(0),~ur", l$y WAY of flH'tti4tr answer',
It la ap_cltlcally deniod that Roytli In8uranc. Company Is without
ynu,j CllUlliI to tl h. thlli du()hriltor'yjw1I.1munt 4Gt.ion, ..ldo\1 the
C'r'(lll. t'Jl " ,i"l.luminatIO/1 of whether Itogiu hill. ill rllJly to dl!hnl1
GIIl(I/',r In(hllunlty 1h".HUUY ll. MilXWln, flltriGI. A, Mllxwen i1I1Q/or
IUol'M,ll(, ine till Cold I;lprillljl Inn. lily wily ot tuntuH IUlIW.~, it
10 118111.,1 that Re\Jil llck.d \lood 04UIIlil f'n ,1t1nyinlJ ,I. tfilr"tAl'Its,
cl.lll\, fin ftl. contrtiUY, at aU rliluViiUlt tim,," to (tetendiUlr.IiI'
L'DulltlHdatm, plaintitf lletlHt rl1uon4bly. fJroperiy, III 4,)(Wn'lano;..
with the statutes end re\julat!ono of the Commonwealt.h of
Pennllylvania, in accordance with thll fltandan111 of the InliuralKa
indulltry and in accordance with the terms and cOllditione of the
inllurance contract. By way of IItlll further answer, it ie denied
that Regis hi. denied a deten.e to Its ineured in the action
pending in the Court of Common Pleas ot Cumberland County, tlo.
95-3715.
18. Paragraph 18 at detendante' Counterclaim containe
conclusions of law to which no reeponee is required \Inder the
Pennsylvania Rules of Civil Procedure. By way of further anewer,
it is denied that any of plaintiCt's actions were undertaken in
bad faith. On the eontrary, at all relevant time. to defendant.'
Counterclaim, plaintiff acted reaoonably, properly, in accordalloe
with the statutell and re\julatic>llll of the Commonwealth of
Pellnllyl vania, in aeeonlance wi th I.ho standanlu of tile inlluullIcB
industry and In accordance wLt.h t.hl! tfHIIIB and conditione of thfl
insurance contract.
19. Paugraph 19 of d,}follllilnts' l'ounLIHulaim contains
conclusions of law to which no rUllponse i. required under the
Pennsylvania Rules of civil Procedure. By way of further aneWer,
it ill denied that defendants are entitled to damage. puuuallt to
42 ra. C.B.A. 18371, as a reBult of any conduct taken by RIgls
Inaurancll Company, because Regia hall not acted in ba(l faith. On
the contrary, at all relevant t imea to defendants / Counterolalm,
plaintiff acted reasonably, properly, in accon1ance with the
statutes and regulations ot the Commonwealth of Pennsylvanis, in
aQl"U~.""
.3.
oIlccop1anclll with tllli i1tiHHlillctli uf tlltl In.UI"/il:l' llHiusl.1Y ..nd in
accordance with [hill tlnfhll oil/Hi ,';r,dl[ 1"0" of till. IllillHanclI
CUlltlilct,
WlltlrOal, lllll\.llll Ilemandll )u(lllmIHll. In ltil f.w,n "n11 IiIgllltn/jlt
(l.tdl1dAntll Oil dllfllll,1ilntli' Counllillcl..ll1l,
urINiCAuvaUU.W'.1
1, Plalnlltt lncoqiUriltl$il by refilfllllli;e HI; iUHIW\UiI to Hi4i
ilverments contained 'n poIlraijraphli 11 througll I~ ot d.t.n~.nt.'
COIlllteroliliIn ae thrDugh urn. wlln tully ..t tonh It 18nijth
herein.
~. Cetend_nte' Countercl..lrn tilil. to .tit. " GiU.. of
action, IUllt p14il1tUf ntlultv.u lbll lll.!ht [0 mOVII to 'hllml!l!.
defendant.' Cuunterclillm.
), 08fendantil' Countiircl.lm must bil dlilmlsiiild unctBr lh.
applicoIblil Ilmll.oItlon. t'lHlnd in till. illlllurllllclI colllnlnt IInd .ny
applicable Ilmllillionil pli/lud ullder 40 P... C,H A. ltilti.
4, l'lallltltt actur.1 ill dCCClld4liC., with till' 1I1'pliclillJlIiI
lUSUlaI1Cl:! cUIIlolnll !4l1d Illand..tdli, In iiCl'fHd..ncl:l with \.tHiiI
llppllciJblo liJWIll ot tl,,~ ConulIlJllwoalth ut ~.nnilylvalll.. ..nf1 In
aCctJt<1allUa with the terllll! ii/vi cundlt !Oll. ot the In.\lr,Uwli
contract.
~, ['hlntltt IIIISIH",j iI glilfllH41 li"iH1Hy 1IIIIIH,Ulq, pqUcy,
Un. I(L101951, IiIftllOt.ivlI VltlHUUY U, iU4 i.1' V.bnHHV U, un,
to [HaIney D. "or! t'iltrlL'iil ,.,. Muwel1 ..od f:lfol.' Mu, lllc. I.TlMA t/.
Cnl(1 lJprlnQll, 100. Clio Iind MUweU, '101 1l1d\le Ho.,,!, \"ewtfj,ku!rry,
l'A l'IH~. I.'hlntltt lnc!:npQutiillil by ntll!nnce the urllll!l And
if.iIHIU "PI
"!'J~
1l I 1-L1-.IJ;LAT.IQ...!f
[. W[t.t.IAM J. IiCHMIOT, IUIQlJIRii:, heuby .t4lte that [ 1m
coun..l tor the ~lalntltt, Regt.. Insur.ncI CompAny, in tht.
aatlon. 1 verity that tho Itat.ment. made In the tarlgolni
An.wlr to pr.dley p. .nd V.trlel. A. M.xwell .nd 8~~ MAX, [na.
t/.. Cold 811r1n\l1 Inn'. COuntlnJl.lm UI tn,. .Hld cOHeel tQ th.
b..t ot my knowlldgl, Inform.tion and belllt. I uncterlt.nd th.t
the statementl made I~rein are lubjeat to the Pln.ltte. ot I'
VI.C.ILA. (UQ. nlltlng to Im.worn hlliHclltioll to .uthorLt.lllll.
lJ.t.l~
7--~/'~7
'Oil"" .r.
t:lIhlb1t Ii
-
WHIT. AND WILLIAMS
DY, William J. Ychmldt
Attor'ney 1.0. No. ]66]'1
1800 One Liberty ~ldce
l'hiladelphill, l'A 1910]-1]<j!\
(215) 864-6209
Attorneya for Plaintift,
Regia Inauranel Company
RKOIS INSURANCE COMPANY,
PlAintltt
COURT or COMMON PLEAS
CUMBltRLAND COUNTY
CIVIL ACTIoN - LAW CO ~ ~
F
"JI !.: ;j
JURY TRIAL DEMANDED ' .' :1 :~~
, ...,
I" Ii'
CASH: NO. Y1-:HU . !
..,., \'
..
W ,..'
'~
, J :l ~
-. f:J
v.
BRADLEY D. MAXWELL, PATRICIA
A. MAXWELL, 0'1' MAX, INC.
t/a COLD SPRINGS INN, JAMES
M. OAUOIlMAN, and JAMES B.
ADAMS,
Oe tendant..
HOTIel or IHT,Y or ~UDaM&NT
To James a. Adamll, Defendant.
You are ot'det'ed notHle,1 that on jltl~. )1 ,1997, the
court entered judgment against you and In ~vor of Regia
InBln-ance Company that Regia hae no duty to defend you in tho
action in the Cumberland County Court. of Common Pleaa, No. 95-
:1715.
Date, ----X. 1.1- f ",
. I
ry
JOt...., NPI
ElIhlbll F
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lI.h ..."tr..... II \Il. """' Uall .f Ih. (......."'.. llHlllll 1., ..i ._... In......I..
....... r., un "II"." tit ."''Wh'. .nawn w, \rio4il.J' .,tj"""I' t.n4 ,riif'" \.1 ...... "".
.U '".onl' inJury an4 Adnrth11tf II-IJIII"' 1l,iIt..t'i,4 ~1 lOiI' Lr' '*'ft ffl't.Ottl (H ti,PIiSiiUttSl
.. &t..,U\ .r ...., tift, .uur"n.... pru.'''''' ~h'\. ..Hli '''fH\ UI lOll tiHi.ilftU... hr v_hit
n.'''t.t ~h" paU.,.. "..'" '" H,w .r.'U\itH1t ljo'- '!Jh,fl Uilt ..JHU, ...".f\U.....
,roo, ., '1.....I.l ".....".~~1I1\1 ...,.. I'" ~..,"1.". 01 ,,,. ,..l.. ..hi... PI......I..
M......"Ulil l.v ., "hi ,,,\.0 .r t'.".... .... 11'1" of 11."111, ..... "- ,>>1114 ~
f~~:' "', "",...18 1I..Uo ",.11.. "I '".'. I.. h, "";Ilr I,,).,", ~1.U1UI ..... "."6'1'"
14aU1Ut \.Q u., ..h&tl fit 'hi ~li'UU" ..,wh.4 '-I Il,idl t.til; W\ w.., ..,.,.'."'.
.,,11..\1" .t "'.. 1Ia'\ ,hall." I..'.... ~" "~I .1&1' .f l.. '~'. .1.11111"
(,\ Ir Ill' ..,....18 _I " ...,.4 I. 'h. ....,. ,........ "' ,".. .'....r._... """"
."....., ...11., ...t...... ~I_.....lff \h. \.tl'llU_nt "tH.~'fHilll't \t., (~nl f~r...
d..... IfltlU.I", ...... l\lttJ"" tAi I,.hl "fi..-Ji.fiitl LU....UIIi. _ V"'f"\l."~'., ""r,Jn.~ h.jiir}
11M .14.".1.1.. ...".........18 ~I.I\ ...". ...... .., I'.. ..... .'....1 1'"11'" ./Ollt ,loll
,.11., II In ,.,.. ....tidtij tH. u. .fluU.. 4U., \,~.H f.d .4.......... 1...... tli~
11."11., .\a.... I. Ula .....1& .r "," .....II"'on' .1 ,...... 'oil"., OW'_'" LIaI. .
(,) I'.., ....,....'" MIJ;IWa\ I. ....\-.4 In Ui' .L.t;.;.. II1""w1.. "', u.it .wA... ........, w.4n
"rrwu.,.-c~l.~ "t4f.tlw1fl '."kf~~ 'fiJl#rl'.h4 i4-~"~lf~i" l;oJ-,." ~*'-"'-..k
lJaI'~1 \h.n. '\i"Ju:\ \4) thl '''''VI fi,f;itt,lu.n r..~tr;'lf.. .'...... ~H_#P.I;i<.\ \.~.ut.tl
U.~U l~ or till ClAfi6n, rfjr 'i~ .'-fI;-' \410'11" l,it lJj. ~4t -/ IrtJ,Hl fot I",......'t, ''''''1
",aUth. th. 'l04uGU .....'4 &;111 .Uhlli 1.t., [~Ii\J;H1l.1i ('~~IIHI.i'" !;'HU'\ ",.....iu..4. _.tl4 .U
d..... tOt ptr.Ufltl 'nJur,". lif "'w",.JU.ln. HiJ'-l'I 'I IIfd..tj <H,"''''_' ,b,jn. ...h ,.imkol4
fer'" ,-hUt lhh ....HIIl h 111 f\in.' i!;;.>..fll,ii'll h.. ill .lfu\hl tiii-f, l'-4ii tlWt. .....,
\hw Uan, ar Ua-'UUt .\.&\.4 in th. ~ij1t ..f HIli IJi4...fU.qt.' U .'..j.....ll..".,^{~h\.4
Opt.aUDII.. '.flu-ad bJUj", aJi4 A.h,...H.lf'4 In''''lf ....,.'W...... U.u."
(.) 'or tlit PV!I*'U pI ahu,'.lnltll II., Uiiil\' ~, H. (~.j;f" H...i,Ut, .d ~Ih
Injury. pnJ41t1 4....., ""'.!~".l t/l)'''' 1',4 .,~.t'il.i'" 1-.'.1; ii., ;.f u,~i ..f [;wll\lm~";J.
Dr r'Ji..t.d ..pW'IU' t.u 11ilil'tidliUi n" ..". Ill''''''''' u",,,Jjii,-,". I" . "'4 ',~ii.i4...!j
II ullll\' !JIY\ ~r 0'1. tlttUHfll1f,;,
~.
.ff,aih,
lIU/1I4 at 11:01 AM
Rl 10JIIU
Bradl.y 0, 'PUrtell A. Huwell a B' P Hu, Inc. ATI~
T/A Cold Spring_ Inn
I'OLLlrrIOII ILU.AIUl &leU.1Il10'
.\.4uldar4 i1M fol'1l' . pan
t hUG'.J 10,
.1t\IlI4 t.G
1\ I. .,r..d ihai elon .04 eVlry ..~luIl~n fOrDln. a pari of ihe polley
Ind relailp, \0 ihe dllenar,., dl.p.r..l, r.I.... or "CIP' of .aok.,
vapor., '00\, ru..a, aOlda, .1..11., toale eh..I'lll, llqUldl or ......,
"'uh ..tertlh IIr other lrrlhnU, culltu.1nl~' l H p"llutlnu 11 repllc.d
~1 ih.'follovla. .lolu.lool
.
Th. CllIIJlIO)' .hlU hlv, no uLlI,atltoo wIder thll pollo)'l
1) to 1IlY..tl,lt., ..ttl. or 41f.n4 Ill)' cl.la or lult ...1n.i
.n)' Inlured Ilh,ln, IctuIl or thrutln,4 InJUry or d.....
of any n.tur. or kln4 to plr,ool or rroperty vhlch Irl...
out of or \/guld not hn. ooound but for the pollution hllardl
or
.
2) to PlY In)' d......, Jud&mlctl, I.tll,..ntl, 10", COltl or
"V.n... thlt may L. Iw.rd.d or Incurr.4 by rll.OO of LQ)'
lueh cIlIa or .ult or any luch InJury or 4&m1", or 10 co.-
pl)'lnl vlth Iny Ictlon lulhorl&14 b)' 1.\/ Ind r.lltlnl io .ueh
lnJury or d~le.
AI Ult" ln thh .ndorumlnt, "pullullon t'lnrd" Jlitlr,l In actuIl ell1lo,\U',
or thrut uf .Ipolur. to the ,,,rr'llvI, t".le or olh.r hlruf\ll proplTU"
of Iny .olld, liqUid, III.OUI or thlrDll pollutlntl, centlAlnani., lrrlt'n\.
~r t.oxlc lublhnc., inclulHn, 11l'..kl, vlp"re, I".t, fum.., acid. or alklU',
arlll vutl IlIAttrl,h ~Ilnllltlnl of c:;r Cllntllnln. .n)' of the fort'1l1D,_
"Qthlol h.r.ln cllnt'ln.d .h,ll be h.ld \11 Vlry, VIlv., ,1\." Of ..t,n4 'n1
(If the terml, condl\lonl, ..r....nt. Ilr d.ellr.tlon. Ilf the plll101, oth,r
\hatl al h.r.lo .tatld.
IU.-lll CU,U)
1101. In.uunc. Coep.ny
RAil 2) (6/9"1)
fbl. .ndor....nt tone. . p.rt of the polley to whlch le 1. leel.h.d. .ffl.-
tlv, on the lne.ptlon d.c. ot the policy unl... .C.t.d oth.rvl.. h.r.ln,
(Th. tollo~ln. lnfone.clon I. r.qulr.d only ~h.n thl. .ndor....nt I. 1..u.d
.ub..qu.nt to the pr,p'r.tlon ot the polley.)
fbl. .ndor....nt. .ft.ctlv.
2/16/94
At 10395)
. 12101 A. H. .tlndlrd eLa..
f~nII I p.rt of rollcy Mo.
I..u.d to
Brldl.yO. , p.trlcl. A. Huwell , 0 , P Hu. Ine, ATU"
TIA Cold SprInge Inn
AI.AULT AMD IATTllt IICLU.10J
In lon.14.r.tlon of ch. pr.elue ch.r..d for chI. In.ur.ne.. It II uo4.rltoo4
.nd .,r..4 tble the polley to ~hlch thl. .ndor....nr I. .cc.eb.4 1. ...nd.4 In4
e041fl.4 I' follow..
Action. .n4 pro...dln.. to r.eov.r d...... tor bodily InJurl.. or prop.rty
4..... .rl.1n. froe tb. followln, .r. ..elud.d fro. cov.r... .nd the Coep.ny 1.
und.r no duty to d.t.nd or to Ind..nlfy '" In.ur.d In .ny .etlon or proc..dln.
Ill..ln. .ueb dial.'"
I. A..lult .nd a.tt.ry or any .ct or oal..lon III conn.ctloll ~ich the
pr.v.ntion or .uppr...lon of .ueh .et'l
2. H.r.ful or oft.n.lv. contact batwa.n or .aon. two or aur. p.r.on'l
1. Appr.h.n.ion of h.netul or off.n.lv. cont.et b.tw..n or ..on. two
or .or. p.rlonll or
4. Thr..tl by ~ord. or d..d..
Thl. ..elu.lon .ppll.. r...rdl... of th. d..r.. of culp.blllty or Int,"t .nd
wlthouc r...rd Col
A. Whnber tb. act. .n .lh..d to b. by or It the In.nuetlun or .t the
dir.cclon of lh. III.urad. hi. offlc.r.. ..ploy.... ...nt. or ..rv.ntll
or by .ny oth.r p.r.on l,wfully or otb.rwl.. Oil. .t or n..r the pr..l..1
ow.d or oCl'upl,d by th. lll.und I or by .ny other p.nonl
II. Th. .lh..d fallun of tb. In.uud or hll oUlc.n. ..ploy.... ...nt. or
..tv.nt. h the hlrln.. .uparvlaloll, nt.ntion or control of .ny p.r.on.
wh.th.r or not In offle.r. ..ploy... ...nt or ..rv.nt ot th. lnlur.dl
C. Th. .ll...d failuu of th. In.und or hll oUlc.n. ..ploy.... I..nu
,or ..lY.nt. to .tt..pt to pr.v,nl. b.r or h.lt .ny .uch conduct.
Thl. nclullon .ppll.. .. w.ll to lilY dall.. by any other p,raon. Una 01'
ur..nl..tlun. ....rtlll. rl.ht. d.rly.d lro. or conlln..nr upon .ny p.r.on ....rtln.
. d.la uolud,d undar Cl.u... A, . ur C (.buve) I .p.clflc.lly ..dud In. 11'0.
eov.r..a 01.1.. fori
I. l.0110n.1 dl.tr... or for 10" 01 .oct.ty. ..rvlc... con.ortlu. .nd/or
lne....'
20 ..I.bur....nt for up,n... (tncluoJln. bUl Mt U.tr.d tu .,dlc.1 up.n....
ho.pltal 'Kp.n... and w....l p.ld or Incurud by .ueb oth.r p.r.on. tlr.
ul ut..nl.atlonj
1. Any ublt,.tlun to .h.r& d...... with Dr r.p.y lu.,on. who .uat p.y d......
b.c.u., 01 the Inlury.
RAB 21 (6/91)
HilS ENOOHS[MfNT CIfANri!!) lilt: "Ol/{;Y. PLUtH, nun IT CAHffUUX
It 0.' -I/,OtJ!l'}
PENNSYLVANIA CliANG[S CANCEllATION AND NONRENEWAL
Ttll$ erH10f'if'''Ufnl IIlO,J/rle$ IfllitH,.llr It PIU\rld~iJ tHulef !flet tolllM'lIl~
OOllfR AND MAC/IIN/Hi' tll\IllIAlil I'AIlI
eIJSINtSS()WNHI~. I'DUL'(
COMM(IlCIAl AuTO COV/flAl.! PAil I
COMMERCiAl C/lIME COVIRAGt PAlil'
COMMERCIAl GENeRAl I IAlllllIY COVIIIA(if l'AlI/
COMMERCIAL PflOPfllIY COVlflAG! PMI
COMMERCIAL INlAND MAIlINE CllVlfiAfit, I'Mif
rAllM COVEIIAGf PAlIl
lIt)!JorIIIAIIIUIY COVlflAG! PAil I
POLlUIION IIAOlllTY COVU1Afif PAlll
P/lODUCT5/COMPtll f(J Of'l flAlI(IN", UMjlLl fY COVlllAGt PMH
. This ""c1')llell1t!l11 IIO"l ""l apply 10 I (j.',,~, PI(.lY,Qe\l IQI ""Pill';tt al./lcin..ty U;:QII,"" 'lJlm Al ,l/
Pllhhr ~If1PIOr~H dl\/ii1l1'\tv H'IIVeliiW@ JOllni 0 Inq rot)
A. The CANCillA liON ('''0''0''0 I'o/', I (011'),""" "
replace{j fly III. I,,'I"WIII~
/L A [QIlUli":m, l.fhH 011011 UP''''''I' 'lJ,lI.
IIi11 IllIIIIW"b"II, 11'" lh~fliftd '"I,sta''''ol
Iy IJI j lIif"'!.ilI111oll HlIl{j'.'lill. 14ll{l1 Q/ IlJ~'
..pe"",,(, II InAI..".!! IlJ ltl'lm;I"'I.~ h.l~ l;g
('urn. AlHown lli..iIU1i tti, .H;lllrv IHUJI;HJ N(t
hut ul CHifi!Il,f'inn wtH be fil4llvlJ lH
!I""I.",.,j 411"4\1 IiI Lldr' l'I'lrJte II,.. "lIl1e
bye d<ile HI (ii"{eH~iU!HI
d. l~l~'t of '6:!JI.!.lJl.,jllttt Of 4: \tit.\4antl.tl de
ere.He In It~H1\!U"'"ff hd~ Ott IUfe!J. "hidl
IH'U or dl:'lfti41iU, dit the lim.. hf t "/IUi'Il"uoo,
,holl b.. . .",hlid I.. lilt! "1~/iI.nl . [llItllfllO
;lillltil ol' II".., Ily iN""llllll/llnn. pullUII'
N/lUt Ii 0' (4f1( .lIollllm ~III b., 1114'iltl) III oJ.
Ii..".."... '''ol~l fAJ oJ.!i" h"ltJl. Ihe ftN."I".
udl. I"~ (. .In, lill..I'ull
,- M;ihtH.f fJllWtt to (. WlipjYWI(t, Pt,jiLt h:HHI.
[UtltJIIJofl, tit CHnff 4t Hi.l duttlU t4CiIH:. (If
[,ru: .1I",lu::'1\ WIll fjfi HI..'!!!. Uf dc:h~.'''IJ tit
Iti.nf tJ} jM,~ tJehJ'fftflit v"4!lll~llf {!.fl. (d Loili
i!!lIolllll"
r, Othe, '~4\{jt;1 H.it1 tfle !IHl.IH_4Ilfj (OflHfil'l
'lUna, Hl,jt 4fJfJliJ~., UuliL& of ( if1fftU"luHj
.,1111.. '"4.ltiLl <if '1''''.''"11 .1 '''HI 1'.0 ,J4y'
tl"I"'l/ /llti "If". ,,,,, .I,le .,1 ,.I'" ell.llI",
fn" tJollty Hi", 41~H tj., I ,jluf;ill@tj huw mHtp
hCII. V(>(lfl IJI';( tillffl)' Ih;tllllu (j(.II( 't *4\ (lfiltt'fHuJ
IhfDtij'. f'aUlJui(;'Iil )t4tt~ItI~IH_"t< Plfii\\iOn\ fjf ion
(',jhnHrlI ii' IJj h In,jlli!'li,jllt; Hii1.1f 'e,)l.int ~ ul
fh., fl',M ti! hi Hil' ;L-iLl!'J ,i~:dHII~tJ li~ d'.
CANCELLATION
I. The firsl Nalll.,j 1'1>llled \/lnwJIIII H,. 11.".'4
lions m,lY r4l1celHII\ p"Ii, y flY W"IHlW //I MlVlnW
1I0llce "f ran, ell.lI,un
2. CANCU LA liON Of POI/CIIS IN HI ie I 1011
lESS rHAN tJ() DAYS
We may callcellllis polity "i' tr14"HlW 01 'f.".",
InK 10 Ih(.! lin.1 Nam",,, InSUll'd wnn." 110111,' 01
C<lnrcllalJo/ldll(.dSIIO ddi"' hel"/e 111ft .fl.cll..
dal~ 01 cantellatlun
J. CANCU LA liON 01 POI/CII ~llN I II I C I fOil
W DA YS 011 Morn
II 1111' pol"y /I,,~ Il.en If' elle[ II", fJJ IJay, PI
/l1I"e or If II,,~ pul,ey 1\ d renllWalnl . pulley w.
"Sue(f. 10. may raneellh" pollry unly lu, nne
m mille 01 Ih. fOlloWIl'1l 'eawnl
d. YflU haWf mdd" it m,l'fUldl IIi'MPP/~\tJfit..thun
fitl" /1 ,III.t l~ 1/1.. '''SUla'''hly III I/lft "~k No
II'~ 01 r.lIlll!lIdr.n" "'11/ h~ II1J,I~d Of d.l1"
'~'PIJ fll I~dfjt I':) IJdV!j heftJlf! Ihtt ttHN tlvv
ddh' 0' CJIU 1'1I.1111}f1
b. 'yOIJ h.J\ie I,J,'pl.'lu fJrtV ti Pfl!IIl"JHl wI,,,,, du.,
whflltWl Hlll IHf'fflllHn 1\ Pfly,II,la Ifu(!rIfV In
I)', IJI l)lj( ,IH"llh (JI IlldUHflly tllld," '. fHi.'1fil
IHII 1111.111(11 Pl.llllj! ("'IHl'1lliH of (W'I,f Nl}
III I' 'JI I,l'" ,dl.lIl1Hl v.nll IIf'III.llk',! ,jllhJ~1 IfJ
1).lf. 111'I'li. "'1' pH,., f'vil d,lI1' fjf I,Hllf"
Jill! !I
.. W., "iii flq" 1;1 ,Ji'll,,,;; did ">!!" l.; In If,,~ 'sf ';1
,., Hti.", 1"'j,l'dl j Ii", "LJ,.' ,I,li ., l-/I,,,,..il "i
-",.- -',
!,;,Ij
,,;n,HrVn
c.lJ lUll
161191
u\ Nol!' e 01 (l:lfllt'Il.Jllljl\ 'fwdl '.LIlt' llit' 'J(Wf Illf
'ea\on\ 10' , an, ,-I!.llo""
&, Nohce of (anteltall(lIl w,1I \lale IlIe elfcctlv! dale
Oil ani elt&l,on 1 he 1'''111 y IIf"Oll w,lI 1'111\ on Ihal
,1ale
6. 111111\ policy I' canc,ll..J Wp w,lI "nd Ihl' fll.1
N,unt'tJ In,,-Hed dfly p'rlHq~'IlIf.fll"llIJu.. "wet
'oIntel. tn. 111","11',,11 he p'" 'ala a'''\ "'llIlle
"""olll,..lIlIn III lIuI',," I! ,l.ty! dlie' II.. elf,(
l!Ve ,Idle 01 ,a'" 1'11011,0" 111110 '''\1 Named In
'U'I'II ('Ii( ,1\ Ihe ,elu',,' "'d, Ill' I'll 1I1.n p'll
'dla and w,lI be 'eltil"e<l wtl"", 10 dol,! oilier Ihe
,If'll'" dale of (.I'" .11.11"". '"1'101'" ellalllln
Will h. elle,ljy@ I~pn II JlJP h,hIP nol mId" 01
Offf"~ . "Iu"'!
1 II nOII( e ,\ 1ll"I't)II will Ill' Ilv '''''I'tilt'fpjf 0; Ill'"
; 14\\ motll PIOO' Ollllitlhll~ ~jil Ill' \,,"If 1('fl1 PfOO'
of nntlf It
I 'tip IOUllW'''iI .', ...,dvII ,llIl1 \,pPtH'.fl1l' 'flY PfQvt
\Ion\ 10 the ront'"y
I. NONRENEWAl
""1' ,1,',"1e "olio 'e'll'w Ihl\ p"Ii,y. we WIll mdl'
(II deliver wrllleo flollcl! 01 nonlenew.'. It.III'1l
the Ipeelflc rusons for nOll/enewal. to Ihe '"11
Named Insored.t leut 60 d.y. befo'. Ihe .'pl
lallon dale ollhe polICY
2. INCRUI[ Of PROIIUM
II w~ II1ClUU ~our renewal ple/ll/um. we WIll
mall or dehver 10 Ih. l'l\t Named InlUled
. WHllen /lollce of OUl mlent 10 rnereue Ih.
p'.mlum allusl 60 da~1 belore the elfee
hve dale of the premium mClUse. and
b, An esllmal, of Ih.mCluse alleut 30 days
belore lh, ,ffecllVe date of prelluum In
(rease
Any I\ot'(,e olnomenewal or renewal prenuum
"I( ".\e "'IU be m"I.d 01 dehvered to Ihe '""
N.med InlUlell'S ,.\1 known addlen II nohce
's m'II,d. II WIU be Ily re,I\lfled or '''st CII\S
m.,1 P'ool 01 ma,hnl wlUlle s"lIltlenl p'ool at
nOhc.
.
I
1\ ~ ... It. \ I ~ ,.. I
No oth.r obll..tlon or ll.blllty to p.y .um. or p.rlorm
'Gt. or ..rvlc.. I. cov.r.d und.r thl. policy.
b. fhl. In.uunce .ppll.. to "bodily Injury" only If,
(1) Th. "bodily Injury" I. c,ulld by .n "oGcurnnct" th.e
t.k.. piau In the "cov.re.. terrltorY"1 .nd
(2) Thl "bodily Injury" occurl durin. thl polloy period.
2. "ciullo...
Thl. In.ur.ncI do.. not .pply tal
.
I. "Iodlly Injury" ,"p.el.d or Int.nded frOIt eh. It.ndpolnc
of thl In.und.
b. "Iodlly Injury" lor which the In.urld II obll,.t.d eo ply
d...... by r...on of the ..Iu.pelon of ll.blllty In I contr.oe
or 'Inl.lnt.
o.
Any oblll.tlon of the In.ur.d undlr . worklr'. co.p.n..elon,
dl..blllty blnlflt. or un.mploym.nt oo.p.n..tlon I.w or .ny
.I.ller law.
.
d. "Bodily Injury" to,
(I) An ..ploy.' of thl In.ur.d .rlllnl out of .nd In thl
cour.. 01 .mploym.nt by the In.ur.d, or
(2) Th. 'POU'I, child, p.r.nt, broth.r or .I.t.r of th.t
..ploy'l .. . con'lqu.nc. 01 (1) .bov..
Thl. 'Kclullon .pplll"
(I) Whlth.r the Inlur.d m.y b. II.bl. '1 .n ..ploy.r or
In .ny other caPIGItYI .nd. 'j!,U ...----.--- ..-.---.----.----,
(2) To .ny obll..tlon to .h.r. d...... with or r.p.y
.o..on. .1.. who ~u.t p.y d...... b.c.u.. of the Injury.
I, Any 10", co.t or 'Kp.n.. arl.ln. out of any'
(I)
R.qu..t, d...nd or ord.r that .ny In.ur.d or oth.r.
t..t for, monitor, cl..n up, r.mov., cont.ln, traat,
d.tOKlly or n.utr.II", or In .ny way r..pond to, or
...... the .lhct. or I.ad, or
(2 )
Claim or .ult by or on b.h.lr or . .ov.rnm.ntal
.uthorlty lor d.m.... b.e.u.. 01 t..tln. for, monl.
torln., clllnln. up, romovlna, cont.lnln., tn.tln.,
d.toxllylna or neutr.llaln., or In .ny w.y r..pondlnl
to, or ...e..ln. the .ll.ct. 01 le.d.
RTe 12<9,92)
r... 2 01 )
II T C12!9,92).
LIHIT8 0' 1"8uaAHCl
Th. tollowln, LIHIT 0' INSURANCE IS ADDED,
II. Th. mo.t w. \/111 p.y tor "bodily injury" ruulttn, froll tll.
In...tlon, lnh.l.tlon, or .b.orptlon of I..d in .ny tor. ie
'50,000 tor Iny on. "occurr.nce". Thl. lImit i. r.duc.d by
the 1.,.1 co.t. n.c....ry to d.f.nd you. Le,el coete .re
d.tln.d II Ittorn'Y'1 f..., .xp.n... for Inye.ti,.tlon .nd
court colt..
t
!
f;
.
Th. malt w. \/ill p.y for .11 "occurr.nc.." durIn, the poliay
p.rlod tor I..d cont,"in.tlon I. '50,000,
..
RIC 12(9.92)
".. ) of )
1101. IN'Ul4NCI COHPANY
POLICY NO.
Rl 103953
Brldley D. I PatrIcia A. Huwell '0 , P Hill, Inc. ATlHA
T/A Cold SprIng. Inn
ADVI.Oa, 'HOTICI TO POLICYlOLDIII
U'UED TO I
Thl. 1. . .u...ry of ch.n... ln your Polley, No coy.r... i. provld.d by
thl. .u...ry nor c.n It b. con.tru.d to r.plac. any provi.lon ot your polloy.
You ahould r.ad your polley .nd r.vl.w your d.clar.tlon p... for oo.pl.te
lnfor..tlon on the coy.r.... you .r. proyld.d. If cher. 1. .ny confllot
b.tw..n the polley .nd thla .umm.ry, THI PIOVIIION. 0' TBI POLICI '&ALL
'DVAII..
Your r.new.l polley cont.ln. . cov.r... Ilmlt.tlon for .ny Il.billty 01.1.
lnvolvln. I..d or l..d p.lnt contamln.tlon. Your II.blllty In.ur.nc. cover.,e
wlll proyld. up to "0,000 of bOdlly lnJury cov.r..., (lncludln, 1.,.1 coet.l,
~or .ny l..d cont..ln.tlon cl.l. for which you .r. 1...lly ll.ble.
"
Addltlon.lly, REOI. IN.URANCE COHPANY will compl.tely 'Mclude cover..e tor
bodlly lnJury re.ultln. from I..d cont..ln.tlon lollowln. your next polloy
nn.w.1. Thll mlln. you will h.v. the IImlud coveu.e tor 150,000 01 bodlly
lnJury Ilablllty In.ur.nc. (lncludln. 1...1 co.t.l, for two y.ar., lf your
cov.r... I. contlnuoua wlch REGIS INSURANCE COHPANY for thl. p.rlod.
You .hould b. .w.r. that the lnJ..t.rlon of I..d p.lnt by youn. chlldr.n c.n
pot.ntl.lly r..ult ln ..rlou. braln d.m.... Th. I..d p.lnt h..lth h...rd
c.n b. r.duc.d by r.movln. the I..d p.lnt. REGIS INSURANCE COHPANY wlll
provld. llmlc.d cov.r... lor the n..t two y..r. to .Iv. you chi opportunlty
tOI ch.ck your prop.rty lor l..d cont..lnltlonl .nd, Co .llow . r...onabl.
..ount of tlm. to r.mov. .ny l..d h.l.rd.
R.m..b.r th.c thl. polley will conc.ln a coc.1 'Mclu.lon for I..d cont.mln.tlon
In two y..r., .nd . p.rtl.1 llmlc.clon .ppll.. .II.cclv. wlth thl. pollcy. W.
.u....t you c.k. .ctlon e. .oon .. po..lbl. to ld.ntlfy .nd r..ove I..d h.l.rdl
Co prot.ct your..lf from. pot.ntl.1 ll.blllty cl.l. due to le.d cont..ln.tion.
arc 13. (9,92)
ITC lJ' (9,92)
t
Exhlblt 0
(t\
, r
, ,
I
I
I
,
i
.
JAMES M. BAUGHMAN, I
Plaintiff I
I
V8. I
I
JAMES D. ADAMS, Individually, I
And, RODERT MAKOWSKI and I
T.J. MAKOWS~I, IndivIduAlly, I
And t/d/b/A COLD SPRINGS I
INN, INC. I
Defendants I
Case No. I
I
i
I
I
IN THE COURT OF COMMON PLEAS OF CUHPlRLAND COUNTY,
PENNSYLVANIA
CIVIL ACTION - LAW
JURY '1'RIAL DEMANDED
COHPLI\ItlT
AND NOW, TO WIT, this II day of May 1995, comes tl1.e
Plaintiff, JAMES M. !lAUGHMAN, by his attorney, Harrison L.
Banders, Esquire, and for his causes of actions states as
follows I
1. Plaint! f f , JAMES M, DAUGHMAN, is an adul t
individual reuidiny at 9770-[J Car1iule /load, Dillsburg,
York County, Pennsylvania, 17019.
~. Defendant, JAMES D. AlJAMS, 1s an adul t individual
res iding at 315 Hemlock Road, "iechanicsbut"Cj, cumberland
l.uutllUW l.. IAHU...t
,.,tU,.Nlf..., ~"W
'~J1U Ivl
II' IjlVn1i1 1111'"
County, Pennsylvania, 17055,
3. Defendants, ROllE/lT MAKOWSKI and T.J. MAKOWSKI are
adult individuals who, to the best of plaintiff's
knowledge, information and belief, at all times relevant
hereto, owned, maintained, and operated a place of retail
trade consisting of a tavern or public drinking
establishment known as "The Cold springs Inn", located at
1,,1'" ,.... 1,,'/1
"I""",,',!1
,
AVIIQ
USTED IIA SIDO DEHANDADO EN LA CORTI. 81 usted desea
defenders. de laB quejas expeustas en las paulnas siguientes, debe
tamar aceion dentro de veinta (~O) dias a partir da 11.1 fecha an que
recibio 11.1 demanda y al aviso. Usted dabe presentar comparacencia
ascrita en persona 0 par abogado y presentar an 11.1 Corte par
eserito sus dsfensas 0 sus objacionas alas demandas an su contra~
So Ie avisa qus sl no BO deflendo, 01 caso puedo proceder sin
usted y la Corto ppuodo docidir on su contra sin mas aviso 0
notificacion por cualquior dinorD reclamado on In demanda 0 par
cualquier otra qUl3ja 0 componsacion reclamados par 01 Demandante.
UBTED PUEDE l'ERDER DINE/lO, 0 l'ROPIEDADEB U O'I'ROS DERECIIOS
IMPORTANTES PARA USTED.
[,LEVE ESTA DEHANDA A UN AGOClADO lNHEDIATAMENTE. S I US'fED NO 'I'UN!
o No CONoCE UN ADOOADO, VAYA 0 LLAME A LA OFICINA EN LA DIRECCION
ESCRl'I'A AnAJa PAllA AVERIOUAIl DONDE OFICINA EN IJ\ DIRECCION ESC/UTA
AIlAJO PAllA A VERlaUAR DONDE
PUED&: ODTENER ASISTENCIA LEaAL.
Lawyer Roforrdl Ullrvice of tho
York County Har Association
York County Oar Center
137 East Market street
York, Pennsylvania 17401
Teletono No. (717) 854-8755
.
250 Park PlIlce Lane / Mechanicsburg / cumberland County /
Pennsylvania, 11055/ and registered with the pennsylvania
Department of state/ corporation Dureau, as COLD SPRINGS
INtI/ INC., with the same corporate addrese ao otated above.
4. At all timos relevant horeto, Defendant/ COLD
SPRINGS INN, INC., was a Pennsylvania corporation subject
to the licensing and regulation of the Pennsylvania Liquor
Code at 47 P.S. section 1-101 et.seq.
5. At all times relevant hereto / Defendants / RODERT
MAKOWSKI AND T.J. MAKOWSKI, t/d/b/a COLD SPRINGS INN/ IN~
acted through their authorized agents/ servants, and
employees, who were act! ng within the scope of thei l'
employment.
6. Tho acts and occurrences hereinafter stated took
place,oll March ~'" .. j94, between approximately 1:45 a.m.
und approximately 2:30 a.m./ at or lIear tho cold Spl"lngs
Inn, at its aforesaid location.
7. At tho a foresaid time and place, Defendant, JAMES
B. ADAMS/ was 11 patron of the Cold springs Inn/ where he
had been served alcoholic beVerages by agents/ servants,
and employees of Defendant, COLD SPRINGS INN, INC., during
and after which he had become visibly intoxicated, loud,
boisterous, and combative.
8. At the aforesaid time and place, Plaintiff WaS
2
.
involved in breaking up a fight between Defendant, JAMES B.
ADAMS and another patron. At that time, Defendant, JAMES
D. ADAMS, pushed Plaintiff and loudly stated that he would
be "waiting for" plaintiff when hs left the premises.
9. When Plaintit f walked out of the door of the Cold
springs Inn, Defendant, JAMES D. ADAMS, attacked him
violently, pushed him against a guardrail, struck him
repeatedly with his fiuts, and shoved him into a large
pothole along the berm of the roadway directly abutting the
Cold springs Inn. .
10. As a direct and proximate result of the aforesaid
actions of Defendant, JAMES B. ADAMS, Plaintiff suffered
severe injul'ies which include but are not limited to: .
a. a bimalleolar fracture dislocation of tho left
ankle.
11. As a direct reuult of his injuries, Plaintiff
has undergone in the past and will in the future continuo
to undergo great pain and suf fering.
12. As a direct result of his injuries, plaintiff
may have suffered a permanent disability and permanent
impairment of his earning power and capacity.
13. As a direct result of his injuries, Plaintiff
may have sustained a permanent diminution in his ability to
enjoy life and life's pleasures.
3
14. As /l direct result of his injuries, Plaintiff
has incurred and may hereafter incur medical expenses and
income losses.
.
COUNT I
JAMES M. BAUGHMAN VB. JAMES R. ADAMS
ASSAULT AND BATTERY
15. Paragraphs 1 through 14 are incorporated herein
by reference and made a part hereof.
16. The aforesaid actions of Defendant, JAMES n.
ADAMS, were intentional, willful, reckless, and directly
.
caused Plaintiff to be in grave fear for his life and for
his own personal safety.
17. 'l'he aforesaid actions of Defendant, JAMES D.
ADAMS, wore conunitted against the will and consent of
l1laintiff.
18. The aforesaid injuries of Plaintiff were caused
solely by the recklessness and willfulness of Defendant,
JAMES B. ADAMS, and in 110 way IoIIlre caused by Plaintiff.
WHEREFORE, Plaintiff I JAMES M. DAUGlrAAH;." demands
judgment of Defendant, JAMES D. ADAMS, for general damages
in an amount in excess of Twenty Five Thousand Dollars
($25,000.00), for punitive damages in an amount in excess
of Twenty Five Thousand Dollars ($25,000.00), for costs of
suit, and for whatever further relief the Court may deem
4
appropriate.
COUNT II
JAMES H. BAUGIlMAN v.ROBERT MAKOWSKI and T.J. Hl\KOWSKI
t/d/b/a COLD SPRINGS INN. INC.
LIOUOR LIABILITY
19. Paragraphs 1 through 18 are incorporated herein
. by reference and made a part thereof.
20. At the aforesaid time and place, Defendants,
RODERT MAKOWSKI and T.J. MAKOWSKI, t/d/b/a COLD SPRINGS
INN, INC., through their authorized agents, servants, and
employees, acting wi thin the ecope of their employment,
-
sold and served alcoholic beverages to Defendant, JAMES B.
ADAMS, when Defendant, JAMES B. ADAMS, was visibly
intoxicated, loud, boisterous, and combative, contrary to
the provisions of tho Pennsylvania Liquor Code at 47 ~.S.
4-493.
21. As a direct and proximate result of the aforesaid
actions of Defendants, ROBERT MAKOWSKI and T.J. MAKOWSKI,
t/d/b/a COLD SPRINGS INN, INC., Plaintiff suffered the
aforesaid injuriea.
WHEREll'ORE, plaintiff, JAMES H. DAUGJIMAN, demands
judgment of Defendants, RODERT MAKOWSKI and T.J. MAKOWSKI,
t/d/b/a COLD SPRINGS INN, INC., jointly and severally with
the Defendant, JAMES B. ADAMS, for general damAgds in an
amount in excess of Twenty Five Thousand Dollars
5
($25,000.00), for costs of suit, and for whatever further
relief the Court may deem appropriate.
.
COUNT II I
JAMES M. BAUGHMAN v. ROBERT HAJll:OIfSIU and T. J. MAKOWSKI
tldlbla COLD SPRINGS INN. INC.
NEGLIGENCE
22. Paragraphs 1 through 21 are incorporated herein
by reference and made a part hereof.
23. At the aforesaid time and place, Defendants,
ROBERT MAKOWSKI and T.J. MAKOWSKI, tldlbla COLD SPRINGS
INN, INC., through their authorized agents, servants, and
employees, acting within the scope of their employment, had
reason to believe that Defendant, JAMES D. ADAMS, was a
person of known violent propensities, and despite that
knowledge, took no measures whatsoever to evict Defendant,
JAMES B. I\DAMS, from the subj ect premises, or to take
. .. . - ___ 0--- ___._'
whatever security measures that were necsseary to prevent
the aforesaid actions of Defendant, JAMES n. I\DAMS, which
directly and proximately caused the aforeoaid injuries to
Plaintiff.
WHEREFORE, Plaintiff, JAMES H. BAUGIlHAN, demands
jUdQment of Defendants, ROBERT MAKOWSKI and T.J. MAKOWSKI,
tldlbla COLD SPRINGS INN, INC., jointly and sevt!rally with
6
the Defendant, JAMES O. ADAMS, for general damages in an
amount in excess of Twenty Five Thousand Dollars
($25,000.00, for costs of suit, and for whatever furthsr
relief that the Court may deem appropriate.
OATS I .5/.1I/fo-
I
HAR1!fo~ v~:JBJ:ims~"~' ~ .
1.0. No. 30152
suite 601
ls.South George street
York, PA 17401-1419
.
.---~~..- ..--..,
7
"
IN TUE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PI\NNSYLVANIA
JAMES M. BAUGIlMAN, I Case No. I
Plaintiff I -j 1j" )c;1; if c;~l-:.L d-U-?r-/
I
VS. I
I
. JAMES B. ADAMS, Individually, CIVIL ACTION - LAW
and, ROBERT MAKOWSKI and I
T.J. MAKOWSKI, Individually, I
and t/d/b/a COLD SPRINGS I
INN, INC. I
Detendants I JURY TRIAL DEMANDED
NOTICE TO DEFEND
-
yOU IIAVE BEEN SUED IN COURT. If you wish to defend against
the claims set forth in the foregoing pages, you must take
action within twenty (20) days after this Complaint and
Notice are served, by entering a written appearance
personally or by attorney and filing in writing with the
court your defenses or objections to the claims sst forth
against you. You are warned that if you fail to do so the
case may proceed without you and a judgment may be entered
against you by tho Court without further notice for llny
mOlley claimed in the Complall1t or for any other claim or
relief requested by the Plaintiff. YOU MAY LOSE MONEY OR
PROPERTY OR O'rJIER RIGIITS IMPORTANT TO YOU.
YOU SHOULD 'l'AKE 'l'IIIS pApl!:R TO YOUR LAWYEIt AT ONCE. 15'
YOU DO No'r HAVE on KNOW A I.AWYER OR CANNOT AFFOIU> ONE, 00
'1'0 OR 'l'ELEpIIONE 'rilE OFFICE SET FORTII DEWW '1'0 VINO OUT
WHERE YOU CAN GET LEGAL HELP.
- ..
COURT ADMINISTRATOR
CUMDERLAND CO COURTIIOUSE
1 COURTHOUSE SQUAIlE
CAIlLISLE VA 17013 3367
(717) 240 6200
4 th nOOR
HHlIION L. ....f4UIIU
^, 10""" A' '-AW
IUlll .01
I"!II 1.)1,)"01 ulna,
TRue COPY FROM RECORD
In Tlltlmony whenlof, I here unto set my hand
and seaJ of d aurt at ClrUsle. "'-._
Thf . III 1.."'... 1lL,U-
11.
"-IIII'!.. ,"." 114,}1
III' 111\ ~ ~ II
bhlblt ..
IN TilE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY, PENNSYLVANIA
JAMES M. BAUGIIMAN,
Plalnllff
CASE NO.1 95.3715
,
VS.
JAMES B. ADAMS, Individually,
and, B " P MAX, INC.,t/dlb/a
COLD SPRINGS INN,
Derendant.
CIVIL AC'IfA\)E~ FROM RECORD
In T.1t!1Ml1Y whlreof.1 hII. unlo III my hind
and Ih~ MIl 01 uId Cou.r111 Carlisle. PI.
Thl~ :~ :y~J:-?!'~l~r~.~~
JURV TRIA t;MAN E ~ I't1lthOIlCI\if
NOTICE TO I>EI1JlliU
VOU IIA VE BEEN SUED IN COURT. If you wish 10 delend againsllho claims leI (ollh in
lhe (oregolng pages, you musl lake aClion within Iwenly (20) days a(ler Ihls ComplaInt ond
Notlee are served. by entering a wrillen appearance personally or by allomey and fllingln writing
with the Court your defenses or objeclions 10 lhe claims sel forlh againsl you. You are warned
lhal i( you (all 10 do so lhe case may proceed withoul you and a judgmenl may bo enleled agalnsl
you by lhe Courl withoul (ullher nollce (or any money claimed In Ihe COl1,1plalnl or (or any other
claim or relief requesled by Ihe Plainllff. VOU MA Y LOSE MONEY OR PROPERTY OR
OTIIER RIGIITS IMI'ORTANT TO YOU.
YOU SHOULDl'AKE TillS PAPER TO YOUR LAWYER ATONCE. IF YOU DO
NOT IIA VE OR KNOW A LAWYER OR CANNOT AFl10RD ONE, GO TO OR
TELEPIIONE TilE OFFICE SlIT FORTII BELOW TO FIND OUT WIIERE YOU CAN
GET LEGAL HELP.
AYlSU
USTED IIA SIOO DEMANI>ADO EN LA CORTE. 51 uSled deseo
defendersa de las quajas expeusllI en las paglnas Ilaulenlas, debt lomlr Ice Ion
dentro do velnla (20) dias I parllr de I. lecha en qua reciblo la demanda y et
avilo. Ulled debe presentlr eomparecencia elerila en perlon. 0 por Ibogado y
presenlar en la Corle par esclllo SUS de(enus 0 sus objeclones . las d.mlndas en
IU conlr I.
IN TIlE COURT OP COMMON PLEAS
OF CUMDER1.AND COUNTY, PENNSYLVANIA
JAMES M. DAUOIIMAN,
Plain 11ft
VS.
I CASE NO.1 ".ms
I
I
I
I
I CIVIL ACTION. LAW
I
I
I
I
I JURY TRIAL UI!MANDBD
.
.
JAMES D. ADAMS, Individually,
and, D " P MAX, INC.,I/d/b/a
COLD SPRINOS INN,
Defendanll
AMENDIUlCOMPLAlrIT
AND NOW, TO WIT, Ihls 51h day of February 191)/1, wmeslhe I'lalnllff, JAMES M
nAUaI/MAN, by his allomey. Harrison L. Sandell, Esquire. and for hil CIU.CI of lellrlOl lIalel
os follows:
1. Plaintiff, JAMES M. IIAUGHMAN. I. In adull Individual re.idin, al 9770-11
Corlisle noad. DllIsburs, York Counly. Pennsylvanil. 17019,
2. Defend.,Il, JAMES II. ADAMS. I. In .dult indivldull r..ldln, al315 lIlmlutk
Road. Mechlnlcsburll. Cumberllnd Counly, Pen",ylvlnll. 1'1055,
3. Defendlnl. 0 " I' MAX. INC" 10 lhe besl of l'IIInli"'. knowled,.. Informallon
and belief. al allli",es relevanl herelo. owned. mainlllned. .nd operaled a plae. of rel.illrad.
conslSllnll of a lavern or public drll1klna eSllblishmenl known II "Th. Cold Sprln'llnn", I<~'lell
at 258 Park Place Lane. Mechanlcsbura, Cumberl.nd Coumy, Pennsylvani.. 17055, and r.,illflcIJ
wilh lhe Pennsylvania I>eparlrnenlllf Stile, Corpor'llon Ilure.u, II COI.1l SPMINOS INN, \lo Ilh
17. Th. ,'ortl.id I(llonl 01 p,I'nd~nl. JAMU p, ^PM.1/i, W.I' ~ommi"OIt ..aln41
Ih. will .nd (:00$'11I ot PI.lnllll.
18. Th. .tomald Injuli'l 01 PI.lnUft Will ,mOlt wi,ly Ily III' I-.:kl....nt.. and
willlulne.. III 1>.I,ml"II, JAMES Ii APAMS, arlt1ln Oll wfY w,,. ~'Ul.a Ily I""null
.
WIIItREFORR. l'lalnlilf, MMIiS M UMJOIIMM1. dem.nd. judllnenl ul I}.rendanl.
JAMES II, AIMMS. 101 .en,ral d.nll,1lI In In ImUUIII In uuu (II 'l'wtnly fl~. Thol.lund
Dalllll (US,OOO.()OI, lor punillv, llam,," In .n amnunl In u"m u' TW'nly fiv. 'nluuu,lt1
DolIl" ($2S.000,Oll), 101 CO'11 (If .uil. .011 fm \A hallver /llIlhll "li,1 Ih. ('oull m.y .t,,1II
.
.ppIOJlri...,
COlltfUl
J6Mll:S M. PMJUJtttt^,,~"l:..J!AI'''WIJ.m:..
lLJIlhla- CQtPAl'JilliWUWi
LIUUOR UAD1LUY
19. 1'.ra'lapl" I lhmullh 18 "'1 inell/JlOI'led l!1I.ln by tel'I'IK' tnri m.d, a pari
IhorIO'.
20, AI Ihe .loreullllime .lId Jllac., li.l.nd/lnt. l1 ... I' MAX. INC.. IIdAi/. COLD
SPRINOS INN. Ihroulh I'" /lulhllflnll 'Ienll, "f~/IIU', lIul ""pllly.... 'e1ln, wuhhllhl IWIII
of lhelr employmenl. .0111 /lnd ICrv,d .Imhullc IJeHU." hl lJ.f"l....IlI. IAMIUll' AIIA",t"
when Defendanl, JAMI!S It AIMM!I. \oVat ~i"bly inlUlkllld. loud. lmlll.ruul, 1/14 "(lrJib...~tI.
{UnUiry III Ih, flff\~i.lonl ul Ihe P'fl/uyl~.nl. Liquor Co<l, " 47 I'!'j ..'n
21 AI . dir"l .nd I'ro~irn/ll' r..ult of Ih. .fo"..ld i,ll!UU (If D.f.ndaflt. Ii .. r
<4
MAX. INC, I/d/b/. COLD SPRINGS INN. PI.IOIltr .utr.l.d Ih. l'OI'lald InjuII...
WHEREFORE, PI.IOIifI, MMES M. BAUOIlMAN, d.mlndl Judlm.nl or o.r.nd.nl,
o ck I' MAX. INC,. t/d/b/a COLD SPRINGS INN, Joinlly .nd ..v.rally with Ih. D.r.nd.nl,
JAMES (J, ADAMS, rOI I.noral dam.a.. In .n .mounl In UC'II or Tw.my Flv. Thouund
.
Dolla.. ($25.000,001, lor COlli 01 .uil. .nd for whalever fUll her rell., the COUll may d..m
approprlal',
COUNT ill
JAM~S M, Q.\UOIlMAN y, D " P MAX. IN~..
lid/hi. COLD SrRJNQS INN
~eQlJOENCE
.
22. Para'llph. I Ihrnullh 21 are inColJlOrlled herein by I,'.renc. and mad. I plrl
'''Heol.
23. Allhe .foresaid time and place. Delendant,
1\ &. P MAX, INC.. IAl/h/a COLD SI'HINOS INN, Ihwugh ILl aulhorlz.d 1,InLt, ..rvanU, and
employoes. acllna wilhln Ihll Icope of lhelr employmenl. h.d r...on 10 believe Ih.1 Dlllend.nl,
JAMES n. ADAMS. WIS . (Ienoll of kllown vlolelll (Iropellllllu. Ind desptllltlll knowl.dle,
Illok no melluru whll,ollV.r 10 evict Defendanl, JAMES D. ADAMS, from the .ub)eCI premises.
Of to I.ke wh.lever aecurily lIIeasulel Ihal were necesSlry 10 pr.venl th. afore.ald aCllons 01
Delendanl, JAMES U. ADAMS. which directly and proxlmalely caused Ihe aloresaid III)orle. to
Plaillliff.
WHEREFORE, l'lalnllfl, JAMES M. BAUGHMAN. dem.nd. )ud,menl 01 Delendanl.
1\ &. I' MAX. INC.. I/d/hl. COLD SPRINGS INN. jointly and sevelllly wilh Ihe Defendanl,
')
JAMI!S p. ADAMS. tllr "nml dam.,.. In .n ,moulll in uc,.. of TW'nlY flv. Thoulln4
Dollm (IU,OOO 001. tor CIl.1I Ilf .1111, .nd 'llr whll.v.r hmh.r r.II" Ih. COllrl m.y d..m
.pp,op"'"
ua,UtCfl V
JMtl11 ALIAU.OIlMMtr.ll...... MAX. me.
liJllblJlJ;OLPJI' IUliUl.JNN
NIill.J.1J.INCI
24, PIIII'.phl I .1l/OUln 1I III IlIwfllo"..d n".ln hy ,.f"..~ .nd madt I 11111
h.r.of.
H A. lh. ''')l18Iitl 1It1l' 1f~1 "I." 1'1'lOlIff w.. un .h, prern.... ul n.f.nd,"1 IJ "
I' MAX, INC . t/d~1/1 CO\.D1'!I'IiINOfj INN. lur . "U'POII dlr~lly &:IlO/ItK..d wllh .h. bu.'n...
dullO.' lit n.t.lld.nl, II . I' MAX. INt' . tlillb/. COLIlIWIHNO!.i INN .lIlt ,'I.lnllll WII,
Ih.,olu,o. . bu""...' Invll.. .,1 !JCf.,..I.n!, 1I. I' MA X. INl', I/dlb/a COLli 1if'IUNOS INN. "
Ihll 10/111 II tlllln"lln' III uj ,h. H""I,n..,,' ul TOIII. Ii.wnd,
l6, Al th. lIo"uill 111110 .lId 1'1"" UII Ih. "lIrtulr.lllltllll... ut net.lld,"l. >> .l I'
MAX. INC , llll/h/. CUtlllll'PINON INN. 0' un I.nd nwMd DI' undetlhe wntntI of /"'..,d.nl,
II &. I' MAX, INC" lhllb/, CO!.l1 !:\I'llINON Iml. .1 Ihe .Ulllh.nl Wille' ut the buildilll iiI Ih.
"01'"1111"'1111'" ,,"t UII Ih. IlIIII' ,IIuIIIIII 2~li "till l'I.I.l.ln,. Ihll' ullled . pothol, which
WU i1P1',u'"Il...ly tWII (2J 1..1111 "'IUII1I"'IIU .lId ;tIII)llIIl"'lttly ,i,nlllllll Iii" (1Il1 !lIlh..
Ilup
n Al ,h, .flll.nulllm, ,'1<1 pi"", "",/\dIn. It &. .. MAX, INC. I/dAiI. celLI>
'''IIIlNWI INN. kfl.W. III by Ih. .nm.. flI """fllbl, "" Ihnul" h.v, ~nuwn. uf ,h. "",,III"
I)
pOlhol. Ind Ihould hlv, r..llc.d Ihlllh. .for.llld pOlhol.lnvolv.d .n unr...onlbl. rllk of hlrm
10 bu. In." lnvll"l such .. Plllnliff, .nd Ihould hlv, up.cl.d Ih.1 luch p.flonl would nOI
dllCov.r or relllz. Ih. aforeslid dlnleroul condillon .nd would f.lllo proleCllhenllelves '1IIn.1
II.
29. Al Ihe .flll.llid lime Ind pi Ice. Oef.nd.nl. 1) " P MAX, INC., Illlib/l COLD
SPRINOS INN, f.lIed Ii. exercis. IlIson.ble c.rt to prolecl buslnell invlleel luch .. PI.inliff
frum Ihe .fol...ld d.nlerou. condllion, n.m.ly, Ihe .fores.ld pothol..
.10. A. I direcl Ind pnuim.te resull of th. failur. of D.fend."I, D " I' MAX, INC..
.
t/d/b/l COLD SPRINGS INN, 10 uercis. reuonable elle 10 prolecl bus in... invllees such II
Plainliff from the alllresaid dangerous condlllon. Plainlllf suffered Ih. aforesaid injurl.s.
WIIHHIWORI1, PlaintiH, JAMES M. IlAlIOIfMAN, demands judlrnenl of Uefc:ndanl.
II " I' MAX. INC., 11d/lJ/a COLD SPRINOS INN, jointly .nd severally wllh Ih. Defendanl,
JAMES II, ADAMS. for general damlaes in .n ,mounl in elletU of Twellly Flv. Thousand
(Jullln IU5.000.1101, for COils of lull, .nd for whltever furlher relief Ih.1 Ihe COUll mlY deem
appropriate.
DATE:
r~~
I~~N 'c.'~N~S ~ ~ J
I.D. No. 38152
Suilt 601
18 Soulh Oeorl' SUeel
York, PA 17401.1419
7
.. .
CHITIPICt\U OP D.IW.CI
I, HARRISON L. SANDERS. ESQUIRE. do her.by ctrllfy Ihlll .mad Ih.
(or.,oln, AMENDED COMPLAINT on III cDuruelof record by plleln, Ih. .am. In Ih.
.
Unllad SIII.I mill, PO"I,I pr"plld, tint clu.. Idllreued u folloWI:
Lawrence J. Neary, Require
CONNEU.Y, RRID " SPADR
108. 112 Wllnut Slreet
P.O. nox 963
IIARRISnURU,l'A 17108
airy LY'laht. Rlqulre
1350 Fllhlnl Creek Road
lIarrlsbura. PA 17112
Wlllllm P. Doullu, Eiqulre
DOUOLAS, DOUOLAB " DOUOLAS
27 Wilt lIIah Street
Clrllsl., I' A 17013
DATE:
~/fh~
;:;/: .I" ~ ~....
IIARRJSON L. SANDERS
1.0. No. 38152
Suit. 601
18 Soulh O.or.e Slreet
York, PA 1740J.l4Z5
(717) 845-5537
AnomlY for Plalnllff
.
.
I;WUl~U.QlUl'llla
l. William .1. ijf.JIHultll, !it t"",llIY !PI 1'\lllntHf. ".\Jill
IllllltH"IF'" l'OI1lI'OIIW, !lertlby c"nlty tt...t .. tlIJa "lid CPU!iI!Jl Q\.'JJlV ot
l'l.dlll Itt'li Motlull tOI fijIHIH1i4q" JlJ.l\jllllOl!t Win lIIoi\l\etl PIl tllltIJt.... j,
l'j~'I. by (!!lIlt "Iii.... IlIlH..4 Iit.U'1I lIlilH. \JO.Uolgtil Vllll,al,l uJ"JIl
t.h.. t"lll,wlll\:! (,Plw....l,
Will \iolm 1', liUUij Lilli, l:.lii!J'lll'"
Douyl... Uouyl.. , PquUl..
J'I it...t Illgh I...'....t
('"di.I.., PA \'10\ j
~llWJ"nC" J NO.IV. l:.liqulr..
Cq~.llV. ..!4 , 'p.4.
10' III Wlllllul atro..t
f.O, lioll hI
Illul,r.\.\p,l. I'll !'/lUti
!:it"V"" M Iluv.... I::IHjU\HI
IltPQk " ....4u
I! IGuth INk.. ~tl....t
t',u aUiI 511>'1
y".k. I'A 1'140';
It.Hilllem \., .....n<jlllll. IJ:llquhll
,. .Duth aeorg.. titl.lIt
lIulte fiot
Vp'k, fA lHoIIU!:t
J4111.... ij Adllmll, pro ..
l!!> lhollhlock kCJAd
MtlctliHd Clib\HI.J. VA 1101111
tlYI
WIUTI AND ~U,LlW
, ~. ,
_, l1{(/~t, tl.v...a//
IHUhm .J/Ii' lIul,tt
AttlHllfiY I'lallltltf.
"eal.. In lie", CUllIfl.wy
(lilli' I~ .~. I; ~17
~(jlfl'lJlti Wlili
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I(E(IIS INStIKAN('1i COMPANY ; IN TilE ('OtlKT 01' COMMON I'WAS
VS, ; 01' ('IIMIII!KI.ANIl ('OIINTY. I'IiNNA
III(AIlLEY II MAXWI'I.I.: l'ATltl<'lA : ('IVII. ACTIoN I.AW
A MAXWEI.I.; II & I' MAX, INl'.
Iln ('01.11 SPIUNIIS INN; JM.1I'S M, : NO. '1721.1')
IIAtllIIIMAN; IInd JAt.lI'.S II AIlAMS
l)Io':I"~NJ.)I\l'U.~l:ULJUil'lUNli:LmN.'li.IU~I'L \' 1U IU~Ullj INSUIL\1'iIC~
L:llMI'AN \,'S..A1unmU"Ull,SllAWAll\'_J1lUUIIoIIJ:N'f
I. AtlllIillctl.
2. AtlllIillctl.
,l Allmittctl,
4. Atlmitlcll,
~. Ac.hnllled.
6. Admlltctl.
7. Atlmlltctl.
H. Admlltell.
I). Atlmlltetl.
10. Atlmittell.
II. A,hllillcll.
12. Atlmlltctl.
1:1. Atllllittc.'tI.
14. Adllllltctl.
I~. Atlmittetl.
16. DenletluH Htuh:d. While it WUN ullclled In lhe cllml'lulnllhot llullllllllllln WOK
Il1vulvetllnl.'uuNln~ Ihc Injury, Ihe plulnlirt' In Ihe untlerlylnllll\:thlllulHu duhllN Ihul u defecl
!nthc 11.'111 eHlnle c.'uuNcd thc Injury. whit'h 1M cuvcretlln the pullcy hy RCIlIN.
IN TUB COURT Of! COMMON I'I.I!^S Of! ClIMIIHlU.ANI> ('OUNTY,I'I!NNSYJ.VANIA
ImotS INSlmANCBl'OMI'ANY.
I'lulllllff
v.
CUM! No. 'J7.1149
Civil ACllolI . l.uw
ImAI>LHY D. MAXWEI.L. I'ATIUC'lA
A. MAXWELL, 11&1' MAX, INC.
I/U COLI> SI'IUNOS INN, JAMES
M. llAUClIIMAN, 111111 JAMES II.
ADAMS,
Def"lllllIlIls
IUWI<:NUANl'.LAMlliiJ\LJlAllUllMAN'S ANSWEIt TO UJtUl5 1~5lJR,\~CE
COMI' AN1'1l.. MOTION J~~U1t S\!MM A It Y J lJl)(Il\1.KN:1'
1. . I~. AdlllhH'd,
16. A,hllllled ill p1II1, Ileni,'d ill pUll, II is 1Il1lIlill,'d 111111 pllrllllru(1hs 9 llud 10 llf
IIlIlIglllllulI's Alllelldl'd COlllpluint 1111"11" Ihal AdulIls cUllse,llIlIlIllhlllllll hndll)' luJurl!,l. 'I'll
Ihe extelll. huwever, Ihlll I{egis Is IIl1eglllg Ihal assulIll 1111I1 buller)' lire the ulIl)' ellllNeI uf
lIellollllssel1ed h)' UlIlIghlllllll IIglllllsl Ihe Ilefellllllllls In II", Ulltler1)'llIlllI,'llulI, ilIIltlllllellullulIs
hy Hegls IIII' hereh)' denl"11. SlIlrt plOuf is d,'llIunded III 111111.
17. Adlllllled III 1'1111. Ill-IIiL'd III pUll, Ills lIlhlllu,'tllhlll Ihe 'IlIolt'd IH11l101l1 of
pUIIIglllph \} uf UUlIghlllllll's AIlI"lId,.tl ('olllplullIl 1I1l. 1ll','1II111e, To Ih,' l'xlelll, huwl'vcr. IIUlI
I{egls Is I 11I1'1)'1 II\! 111lI1 Ihe qllull'llllIlIlllIUlll' III PIIIIIlllllph 17 uf 1'1111111111'1 Mutloll rel'rel<<!1I18
Ihl' (111)' fl1CIIIUll1l1l'gllllulls h)' 1tllllllhllllllll1guIIIsI Ih,. Ill'felldl1l1ls III Ihl' IInderlylllg 111:11011,
snld IIl1cgllllolls h)' J{cgls In pl\IllgruI'h 17 of lis MUllun III\! hereb)' dellled. Slrlet I'wllf Is
dClllllllded III trlul.
A Ft'lIlA V 1'1'
'11i1. vl"lflcMlllllI I. IIIIllIII pllmllllll hi I...IH 'I', 1lI141~) hy CIIIIIIIWI I'm IM"'lllIlll 1II1I1,hIlUIII.
TlIlh. helilllf MI,",r'. kllllWI..,I,\!, IlIfllrlllMlllllllllul h\!lier, Ih\! IIlrell"illll'- trill! MIIlI CllnfC'.
...
_4/~T~~ J{~
lIMniMllII I.. Slllllk;(~'>Ill1iri!
Hllr 0, II> NIl,\HI'l
Allllm,y ror IMfllllllll' 1t1l1l.h1lUlll
.
IN TilE COlJln OJl COMMON PLEAS OJl ClJMIIEIU.AND COUNTY, PENNSYLVANIA
ItEms INSlJl{ANCI! COMPANY,
1'IIIIIItlff
v~.
CII~e Nil. 97-2149
Civil ACllolI . Luw
IIRADLliY D. MAXWELL, I'A'I'IUC'A
A. MAXWIlLL. 11&1' MAX, INC.
t/II COW SI'IUNOS INN, JAMES
M. UAlJOIIMAN, ulld JAMES 11.
AI>AMS.
Defellllllllts
n;RTWICATI<; (W SERVICI<;
I, IIAIUUSnN L. SANDEHS. ES<JlJIlUi, do herehy ~'ertlfy Ihut I served tho forelJollIlJ
IJI~"";NJ)ANT, JAMES 1\1. IIAlJ(iIIMAN'S AN SWEll TO IlEmS INSURANCI<;
COMPANY'S MOTION Hm SlJMMAIlY Jlll)(;l\mNT 11111111 COIIIISI'I of record hy
plllclllg the i.lllle III the Ullltl.d SIllIes l1Iail, 1~1Slagl~ pH'-pahl. first c1uss, 1I1ldressed us follows:
Wllllul1I J. Schmidt, ESlJllire
WIIITE ANI> WILLIAMS 1.1.1'
I RIKI Olle Llhl'rty Plllce
I'hlllldelphlu, PA 1l)IO,I.7:l'J~
SlewlI M, Hovis, Esqllire
STOCK & LEADElt
J~ SOllth DIIKI' SIH'I"
P.O. lIox ~\(,7
YII'K, PA 1740~
Willium 1'. DIIUgllls, ESlJllire
DOlJOLAS, DOlJOLAS & DOUClLAS
27 West lIillh Street
eutllsle,PA 17013
Lllwrellce J. Nellry, ESlluire
CONNELLY, ItElI> & SI'AD!i
IOR.112 WIIIIIIII Slrl'l't
1'.0. IIl1x %.1
IllIrr\';hlllll, i'A 1710K
Itespl'clflllly SUhlllllll'll,
Novemher ~, 1991
~~~
.___.m~/_~_ .__._.____
IIl1rrlslIlI L. SIIIIlII'", nsqulre
Suite WI
I R SOlllh (il'lIrgl' SIIl'I"
York, 1'l'II11sylvllllill 17401
(7 \7) H4~.~~.17
Sup, Ct, III Nil. .IK I ~2
Allllllley fllr Ill-fl'mlllllt lIulIghlllllll
.
William J, Schmidt, Esquire
For Plaintiff
Lawrenoe J, Neary, Esquire
For Bradley D, and Patricia A, Maxwell
WIlliam P. Douglas, Esquire
For Cold Springs Inn
Harrison L. Sanders, Esquire
For Jam.1 M. Baughman
:1AIl
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