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Home My WebLink About98-06548 t.'.',J! '.~' . ~ ~i , V ~ .. ~ "t .! ",! I It i l..' \)i f"~1 '" I VI! .)o! ~b -.t" i'~ "'" ~. ..e .:l ':J:: ~ .11\ ..::: ~ ~ CJ i , i I I (I ~I ~j '~l d, J j 0..1 "J-] ~ ~ . boo "'" If I. I', ?f1~ I t, ' CARLISLE AUTO PLAZA. INt'" alk/a CARS BY OETI'EI.. INt'. and EIW' J. WIENER. IN TilE COURT OF COMMON PLEAS OF CIIMBI'RI.ANIJ COUNTY. PENNSYI. VANIA Plainliffs NO,911.('5-l11 v, CIVIL ACTION.. LA \V GENERAL ACCIDENT INSURANCE COMPANY OF AMERICA and JA Y RODNEY FICKLE INSURANCE AGENCY. JURY TRIAL DEMANDED Dclcndanls "6'C!'i";"," J':"'\"lBRlEF.'OF-GENERAI;':.\CCIDENT'T1\ISUD>A'NGE .COMPANY"'.... ;.....: '. ; .~tUtoJ'it(..1:+!:fA::j.~~:';'.u....."".~t.......~.. _...., ......... 'h;"~"" .......-.. ..,.~_..~!~,........~~.:"t.,... "" h~~',~, :'''''':''M~<~:;;~'';'' 'l'Y~~'fj ";f..\i,!~{;;t:~~:?t~j~m!~p~;r.:QF.~M9.'J3I.Q~:F.9.R:-~9.M!!JN%:9~#'~~;;p'l:ilJ;~pJN.g1:!.'~';;':',,:'.i I. SlJMMARY This Court, by its Order and Decision of March 21. 2000, held that Plaintiffs' brcach of contract claim against Dcfendant Fickle was barred by the statute of limitations, The law of the case thus establishes that Plaintiffs' breach of contract claim against General Accident is similarly barred, Plaintiffs assert that Fickle acted as the agent of General Accident. resulting in its vicarious liability. As the claim against Fickle is barred by the statutc of limitations, Plaintiffs' claim against Gcneral Accident bascd upon Ficklc's allcged agency is similarly barred, II. FACTS A, PROCEDlJRAL FACTS On November 17, 1998. Plaintiffs began this action against Gcneral Accident by the filing ofa Writ of Summons, On Febmary 9. 2000. a Complaint was filed. Defendant, J. Rodney Fickle Insurance Agency. Inc,. filcd a Motion for Judgment on the Pleadings on March 21. 2000, By its Order and Opinion dated May 25, 2000, this Court granted the Motion for Judgment on the Pleadings, A copy is attachcd as Exhibit "A", The Court held that the statute of limitations began to run on September 20, 1994. (Opinion, p, 4), As this action was not commenced until Novembcr 18, 1998. this Court hcld that Plaintiffs' action was time barred. (Opinion, p, 4), II. EM.:r'LPFJm; CASE I'lainlifl's hrllul'hl Ilns al'lllln to 11'1'11\1'1 insunnKe li.r Ihe loss stemming from the purchase and sale of au aulolullhile (()pinillu, 1', J; Complaint. ~ilol), Plainli/T Wiener hml purchased till' aullllllllhile hllm anolhl'r deall'r IIn July 12, 1')1)01. (Opinion, p, 2; Complaint, ~j5), Ou Sl'l'temher 20, 1'/'/,1, I'lainlilTs uolilil'd Defendant Fickle thallhe vehicle mighl be sloleu, (t lpinilln, I' ,I) Plallltilb allcgl'd Ihal Fickle. as an agent of Oeneral Accident, placed Ihe insuranl'e cOlwage. (( Inler, 1'. 2; ('lIl1lplaint, ~i II), PlailllilTs' a<,lion agaiust (il'neral Accident is for coverage on the insurance policy, (Col11plainl, ~;201. Plaintilb fullhcr allege Ihat General Accident is liable for breach of contract of ils alleged apent, Fickle, (t 'ol11plaint, 'j22). I'lainlil'fS l'llluIIII'nl'ed Ihl'ir al'lilln against Ficklc and General Accident on November 18, 11)1)j\, (Ol'inilln, 1'. ,I), III. J.J':(;Mu\H~i.!!J.\mJ~.I A. PLAINTI......S. ACTION IS BARRED BY COLLATERAL ESTOPPEL The applil'ahle facls and law arc established by this Court Order and Decision of March 21. 2000, t ieneral Accident should be granted Judgmcnt on the Pleading. Plaintills arc l'ollaterally estopped by this Court's Order, Collateral estoppel IS referred to as "issue predusion", Incollinco v, Maurer, 394 Pa,Super, 352, 575 A.2d 939 (1990), It operates 10 prel'Cnl a question of law or issue of fact which has once been litigated and fully determined in a Cuurl of competent jurisdiction from being relitigated in a subsequent suit. Id, Collaleral cSloppel applies if (I) the issue decided in the prior case is identical to the one presented in the later case; (2) there was a linal judgment on the merits; (3) the party against whol11lhe pica is asserted was a party in thc prior case; (4) the party against the doctrine is asserted had a full and /ilir opportunity to litigate the issue in the prior proceeding; and (5) the dcterl11inatiun inlhe prior proceeding was essential to lhcjudgment. ld, 2 This Court hcld that Plaintifls' (Iction against thc insumncc agcnt was barrcd by thc statutc of limitations in its Ordcr and Opinion of March 21, 2000, This holding is collatcml cstoppcl as to this issuc, Gcncral Accidcnt should bc gmntcd Judgmcnt on thc Plcmlings. B. PLAINTIFFS' ACTION AGAINST GENERAL ACCIDENT IS BARRED BY THE STATUTE OF LIMITATIONS Plaintiffs' action is bascd upon a policy of insurancc, (Complaint. '120), Thcy seck recover from Gencml Accident the cost of thc automobile that was found to have been stolen, Id, The statute of jimitations for breach of contract is four years. (42 Pa,C,S,A, g5525; Opinion, p, 3), Plaintiffs notified Fickle on September 20. 1994 that the vehicle was stolen, (Opinion, p. 4). Thus, Plaintiffs knew of their asserted claim by at Icast September 20, 1994, "The statute of limitations clearly began to run at that time," (Opinion, p, 4), "Since the instant action was not filed until November 18, 1998, it is time barred," (Opinion, p, 4), Accordingly, General Accident is cntitled to Judgment on the Pleadings, C. PLAINTIFFS' ACTION BASED UPON VICARIOUS LIABILITY FOR THE FAILURE OF FICKLE TO OBTAIN COVERAGE IS BARRED BY THE STATUTE OF LIMITATIONS, Plaintiffs allege Fickle was acting as the agent of General Accident. (Complaint, ~22), Plaintiffs contend that General Accident is "liable for the breach of contract of it's [sic] agent, Fickle," 1d, This Court has held that the action against Fickle was barred by the statute of limitations, (Order and Decision of March 21, 2000). Plaintiffs assert a claim against General Accident based upon Ficklc's breach of contract. As thc undcrlying claim against Ficklc is barred by the statute of limitations, the action against Gencral Accident based on that very claim is similarly barrcd, Accordingly, 3 (icra'ral AccidclIl "hollld hI.' I!rallll.'d JlldgmclIl ollthc Plcadings, RCSpcClfully submillcd, TIIOi\1AS,;FH )i\I": .Ii< IIAFlm, LLI' r' '.,---L . c7". By; Dougla~l~ arccllo, Esquire J05 N ' 1 Front Strccl Post Office Box 999 lIarrisburg, P^ 17108-0999 (717) 255-7238 Datc: Dcccmbcr 14, 2000 .116787.1 -I "YH',lll 111'11' 1Ir.','111 Cllmhnrlilnd COllnl.y "rolllonoUlry'H 11lllr-n C) V ) I t:ilfln 1'''1"1 ry "AIII.I:n.E AIl'I'O "I.A~A INC WI't: (VB) (;ENI,:nM. M:CIIlEN'I' INS co Pilqn E1'C 11/17/1990 .1: 51 0/00/0000 0/00/0000 , r I UP r f'''PIlI'" No.. : C''''n 'I'VIIP, , , , ,: WIl 1'1' 01' SUMMONH ,Jllcl'llllnn."",,: ,00 .llIdqf! ^un i (Jupd: II J H p01H~d 1l(~fH:.: CilH(~ COITUllnnt.H I'i Ipd""",,: 'J' i nlf!. . . . . . . . . : Exocut.ioll IJilLn ,Jllry.l.rlill.... DiSI)()Hf~d Ilrll.n. 1l)(Jlnr Cr'!. I,: 1I1"lInr Crl 2,: ...............................................",.".""*'k""_""""_'*'" C:nllf!rill Imlnx At.Lornny [nfo CMlI,IHLI'; MJTO "I,A~A INC CMW BY GE'I"I'EI. I NC WIENI':11 I-:HIC ,I r;ENI,;nAL ACC I DEN'I' I NHIJIlANCI'; CO M"ANY ew AMr-:!lICA 4 I 4 WALNIl'I' HTlmWI' "" I LAIlEI.PIIl A "A 1910(, 1'1 CKLI'; .JA Y IWDNI';Y I NHUIlANCI'; M:ENCY INC I'll WI':S'" III <Oil H'I'IIEE'I' C:AllI,IHI.I'; "^ 1701.1 PI.AIN'I'II'F PLAIN'I'ln' PI,AIN'I'I (.'1' DEf'ENDAN'I' WIENEIl 1-:!lIC .1 W n;NEIl EIlI C ,I WIENER ElllC ,I MARCELLO DOIlGLAS B DEI'ENDANT MI Ll.EIl (; THOMAS . " ,I 'Ai.....,......**.***...*.*........_....***".*.*..",'*"'*'*"'**'**"****'**' .... DilLe EnLrieH * ..,**,..*******************************************************k*************k*. ~~ 11/l7/19911 12/1 O/l9911 12/1 Oil 9911 (f2/IOIl9:,V 12/1'.i/1998 1::/22/19911 1/./22/ 19911 1/08/1999 7./ 1 0/2000 2/211/2000 2/29/2000 ]/0(,/2000 ]/()(,/200ll J/Ofi/2llll0 J/I'.i/200ll J/17/2ll0ll Fl RS'I' ENTRY - n n - -- -- - -- -- .. _ PRAECIPE FOil WRIT OF SUMMONS IN CIVIl.. AC'l'ION-WRIT Of' SUMMONS ISSUED .-.- ___ '---__0. _ .________________.__________ ________________________ PIlAECIPE FOil I,N1'IlY OF APPEARANCE FOil ,I 1l0DNEY fICKEL INSURANCE M;ENCY BY r; TIIOMAS M 1 [,I,ER ESQ . .-----------------.---.-------------- .-.------------.----------------- PIlAECIPE FOR HlILE '1'0 FILE COMPLAINT BY G 'I'HOMAS MILLER ESQ -.----------------------------------------------.-------------------- Illll.E 1'0 1'1 I.E COMPLAIN'I' BY ,JANE H SPARLING PIlO'I'HONOTAIlY DEPUTY ---..----..--- --.------------------------------------------------------ CEWI'I FICNI'E OF SEHVICE -.- - ..-. ------- ------------------.---.---------------------------- SIlIm I 1'1" S IlE'I'lIHN I'J LED LiliqanL: GENEHAI. ACCIDENT INSURANCE CO- MPANY OF AMERICA SEIlVr.n : 12/07/911 PHII"ADELPHIA -- PHILADELPHIA COUNTY WRIT OF SUM CORtfl",,: $149.00 I'd By: HANDLER & WEINER 12/22/1990 .-. - - -. . .- - ...- .- - - -- - - --.. - - - - - - - - - - - - - - - - - - - -- -. - - - - -- - - - - - - - - - - - - - - - - - - -. - -.. SHERIFF'S HETUIlN FILED L i li qant.: FICKLf: JAY RODNEY INSURANCE AGENCY INC SERVED : 11/2]/90 WRIT OF SUMM COfltfl",,: $15,10 I'd By: HANDLEH & WIENER 12/22/1990 --_. -----------------------------.---------------------------------- PIlAECIPE I'OR ENTRY OF APPEARANCE FOR GENERAL ACCIDENT INSURANCE COMPANY OF AMEIlICA BY DOUGLAS R MAIlCELLO ESQ -..--------------------_____....._.__ ....-.._.0_.____---------------------- COMPLAJ NT -----.------------------------------------..--.----------------------- PHE[,IMINAHY OBJECTIONS OF DEFENDAN'I' GENERAL ACCIDENT INSURANCE COMPANY TO PLAlNTH'f'S' COMPLAINT - --------- .------.-------------------------------------------------- ANSWEIl TO COMPLAINT WITH Nr.W MAT'l'EH AND COUNTEllCLAIM BY DEFENDANT J RODNEY FICKEL INSUHANCE AGENCY INC --0-_.- .._.__..._______________._____________.___________________________ REPLY '1'0 NEW MNI"I'EIl AND ANSWEIl TO COUNTEHCLAIM - - ----------.----.----------------------------------- .--------------- MOTION FOR A STAY,. IW ERIC J WII::NEH PHO SE .------...--------.-------------------------------------------------- OHDr.ll OF COlIH'1' -- DA'I'ED .111 0/00 -- IN RE MOTION FOR A STAY - RilLE ISSUf:D UPON ALl. PMI'nES IlULE IlETUIlNABLE 20 DAYS AFTER SERVICE BY EDWARD r. GlIlDO .1 COPIES MAILED .1110/00 .-.-------.-.--.-------.----.--------------------------------------------- Df':FENDAN1' ,I 1l0DNEY F'ICKEL INSURANCE AGENCY TNC' S ANSWER TO PLAI'I'NIF'F WIENEIl'S MOTION FOil STAY .--------------..------------------------------------------------- ANSWER Of' GE:NEIlAL ACCIDEN'r INSURANCE COMPANY OF AMEIlICA TO PI.AINTIFF WIENEIl'S MOTION TO STAY 'l:' 1 , " I'V~'i 10 CIIIIIIII'I'I'lnl! COllnt.v I'rol.honllf " I'Y'" Of f I "" Civil CiI"l' In'llll ry 1'1'111 0(,',411 ('MlI,l:a,E AII'I'O I'I,AZA INC E'I'C (vnl m:NI':IlM, M:Clm:N'I' INS CO wrc Pag" 2 U,,'pn'flef' No..: l'd:;1' 'I'Vlu......: WU 1'1' OF SUMMONS ,I\IIllfllll'll ...",: . 00 ,llId"" ABHiqflfld: n i HpoHHrf I)PHC.: CilHO Conlfnr~flt.H InU201l0 1lI':FI';NIlAN'I' ,I 1l0IlNI':V 1'1 CKEI, I N:;IIIlANCE ,/lII)(:MI';N'I' ON 'I'IIE I'101':AIlI NC:~ 1'1 '",I. . . , . . . , : '" I rn". . . . . . . . . : I-:'(('I:ut.lon Dilt." ,IUI'Y Tr I ill. , , . III "I """,cI DiI t.o. 111'1"'" Crt. I.: IIlqh,'r Crt. ~:.'.____ ___.... M:ENCV I NC' ~ MO'I'ION FOR Il/J7/1998 :1:51 O/OO/OOllO O/1I0/1I01l0 .1122/211110 I'IlM:C II'E 1'011 I. I S'I' I NC: CA~E 1'011 MH:IIMI-:N'I' /IV 'l'II0MAS n M II,LF;R ESQ IlI':n:NIlAN'I' ,/ IHlDNI':V I' I CK~:', J N~alllANCI': A<:I';NCV I Nc:' H MOT ION FOR ,/lIIl(:MI';N'I' ON 'I'm; PI,EADINGS .112')/211110 OIl'"':1l OF COllll'I' IWI'I-:tJ ]/20/00 IN Ill': PLAIN'rlFF ERIC WIENER'S MO'I'ION FOil S'I'AV ANIl Till': m;n:NIlAN'I'~' AN~Wr-:IlS - 140'I'lON OIl STAY IS DENIEIl - IIY ImWMlD E GUIDO ,/ . COP"':~ MAILED J/29/01l -- - . - - --. ---.---- -------------------- clIHlIm OF COllH'I' IlNl'I-:1l 5/25/00 IN Ill-: MOTION I'OIl ,IUDGMENT ON PI,EAIlINl:;: F",lm IIY IlEF'1' ,J IHllJNI';Y FICKEl, INSlIIlANO: AGf,NCY INC _ (:HAN'I'I':D ANIl COMI'IoAl NT IS D I SM ISSED IIY TilE COURT EDWARD E GIIIDO " COl'IE~ MAlI,EIl 5/26/1I11 ',/7,',/201l0 (,/1I5/21101l AMENIlED PIlElolMINMlY On,IEC'I'IONS OF DEF'J' C;F:m-:/lAl, ACCrDENT INSURANCF; co '('0 I'''I''FS COMI'L I AN'I' - --.-...--."---- ----.---------------..-.. '112',/2111111 PIlM;CII'~: Fall LISTING CASE FOR ARGUMENT DF;FENDANT GENERAL Ace I DENTS AMENDED PilEI,] M] NARV 0I1JEC1'] ONS - BY DOUGl.AS B MARCELLO ESQ - ----.----..--.----------------------------------.---------------------- II/OI/2111111 ORDER 01' COURT - DATED 11/1/1I0 - IN RE PRELIMINARY OBJECTIONS AND AMENDED plmLIMI NAllY OUJEC'I'lONS OF DEFENDANT -- TilE PRELIMINARY OB,JEC'I'IONS Arm DISMISSED - BY TilE COURT GEORGI, E HOFFER PJ COPIES MAILED ]1/2/(J(J - _...-.. -.- -. .--. -On --...- _ --_. _. _.. _.. _ _~_..__ ___.,._ _ .._ __ n' _ __ __n _ _ _ -------_______._n_. I' /2212110(J DEFENDAN'I' GENlmA" ACClDEN'r INSURANCE COMPANY OF AMERICA'S MOTION FOR ,JUIlGMEN1' ON TilE Pl.EAD]NGS I1V DOUGLAS B MARCELLO ATTY FOR DEFT ---------..---- -------------------..-----.--------------------------- II /2fl/2(J(JO ANSWlm WI'I'II N~:W MNI'1'ER OF DEFENDAN1' GEN~:RA[, ACCIDENT INSURANO; COMPANY OF AMElllCA TO PLAITlFF'S COMPl.AINT ---- --------..--.- - -----------------------------------------------.--- II/:l0/200(J PRAECIPE FOR [,ISTING CASE FOR ARGUM~:N'r - DEFENDANT GENERAL ACe I m:NT I NSIJIlANCE COMPANY OF AMF;RI CA' S MOTION FOR ,JUDGMENT ON 'I'm: PI ,,,A~I NG~ ~ BY .'XllJ~a'0S _ B_ M01lf.~~~0 I,~~~yA'I':T'Y _ F()R _ D~F~ _ _ _ _ _ _ _ _ --.----- "--- --------.--.-------------------.-- ~.*.*********************j****************************************************** * Escrow In[ormallon * A F""" " Doh it" Reo Ra I PVlllts / Ad i End Ba I * ********************************~***************t******************************* Will 'I' OT-' SlIMMONS TAX ON WH] 'I' SET'I'LEMENT ,WI' FEE 35.00 ,50 5.00 5.0(J -..----.-------- 45.50 35.00 .50 5.00 5,00 ,DO .00 ,00 .00 --------_0__- ,00 45.50 *****************************'*************************************************** * End of CilSrJ InformilLion * *~****************************************************************************** CARLISLE AUTO PLAZA, INC. a!k/a CARS BY GETTEL, INC. and ERIC J. WIENER, Plaintiffs IN TIlE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA v. CIVIL ACTION - LAW GENERAL ACCIDENT INSURANCE COMPANY OF AMERICA and JAY RODNEY FICKLE INSURANCE AGENCY, INC. NoJi X ' / r;.~ qf - (( :A.~L Defendants JURY TRIAL DEMANDED PRAECIPE FOR WRIT OF SUMMONS TO THE PROTHONOTARY OF CUMBERLAND COUNTY: Please issue a Writ of Summons against the Defendants, General Accident Insurance Company of America and Jay Rodney Fickle Insurance Agency, Inc" at the following addresses: General Accident Insurance Company of America 414 Walnut Street Philadelphia, P A 19106 Rodney Fickle Insurance Agency 151 West High Street Carlisle, PA 17013 and have the Sheriff of Cumberland County serve tbe same, Respectfully submitted, HA~~NER, HENNING &~~ BY:. rf------ Eric 1. ('ener, Esquire ID No, 8046 319 Market St., P,O, Box ll77 Harrisburg, PA 17108 Tel. No.: 717-238-2000 DATE: 1/1&/1 ( Attorneys for Plaintiffs CARI.ISLE AUTO PLAZA, INC. alkla CARS BY GEl"I'EL, INC. and ERIC J. WIENER. Plaintiffs J "of. '. INTI... \..vu"T OF COMMON PLEAS CUMBERLAND COUNT\', PENNSYLVANIA CIVIL ACTION. LAW \'. NO. 98.6548 GENERAL ACCIDENT INSURANCE COMPANY OF AMERICA and J. RODNEY FICKEL INSURANCE AGENCY, JURY TRIAL DEMANDED Defendants PRAECIPE FOR ENTRY OF APPEARANCE FOR DE~"ENDANT J. RODNEY FICKEL INSURANCE AGENCY TO: Cunis R. Long, Prothonotary Please enter the appearance of the undersigned for]. Rodney Fickel Insurance Agency one of the Defendants in this action, MILLER and MILLER B~W\\~ G, Thomas Miller LD, #07219 Thomas R. Miller LD, #49801 1',0, Box 709, 113 Locust SI. Harrisburg, PA 17108-0709 (717) 232-0750 Attorneys for Defendant, ], Rodney Fickel Insurance Agency DATE: December 9, 1998 , ~J \-!. 'II-: CERTIFICATE OF SERVICE I I ' , ! i: , I hereby certify that a true and correct copy of the foregoing was served upon the following pcrslln(s) by Unitcl! Statcs lirst class mail. postagc prcpaid. olllhis datc: Eric J. Wiener. Esquire Handler, Wiener, Henning & Rosenberg 319 Market Street P.Q, Box 1177 Harrisburg, PA 17108-1177 II I. !".- , . ( ,', ~~IILOH ,1' OMAS MILLER Attorney for J, Rodney Fickel Insurance Agency General Accident Insurance Company of America 414 Walnut Street Philadelphia, PA 19106 l' i. I Date: December 9, 1998 '~ :'II~ ~ .: ~ .: 'j I'; I,i, ~' , If ~. . :.1 i'l "',-:\ :il,:: ,1".:.\ :11..' 'jl':~ ;ji{,: ! r'}~ , I I ! .' . !::(~ LAW OFFlcn MILLER AND MILLER 113 LOCUST STREET P.O. BOX 709 HARRISBURG. PA 1710B.()709 T",phon, 17171 232.0nO Fox 17171232,1302 CARLISLE AUTO PLAZA; INC. IN THE COURT m- COMMON PLEAS a/k/a CARS BY GETTEL, INC. CUMBERLAND COUNTY, PENNSYLVANIA and ERIC J. WIENER, Plaintiffs p- ,;:p ...;;.:.:- -.. CIVIL ACTION - LAW v. NO. 98.6548 GENERAL ACCIDENT INSURANCE COMPANY OF AMERICA and J. RODNEY FICKEL INSURANCE AGENCY, JURY TRIAL DEMANDED Defendants PRAECIPE FOR RULE TO FILE COMPLAINT TO: Curtis R, Long, Prothonotary Please issue Rule upon the Plaintiff to file a Complaint within twenty (20) days from service thereof. or judgment of non pros, MILLER and MILLERQ ~u,~ J-- , Tliomas Miller I.D, #7219 P,O, Box 709, 113 Locust SI. Harrisburg, PA 17108-0709 (717) 232-0750 Attorneys for Defendant, J, Rodney Fickel Insurance Agency DATE: December 9, 1998 RULE TO FILE COMPLAINT TO: Carlisle Auto Plaza, Inc" and Eric J, Wiener, Plaintiffs and Eric J, Wiener, Esquire, their attorney You are hereby directed to file and serve a Complaint within Iwenty (20) days from service hereof or judgment of non pros, Date: December 10, 1998 ~LV'-- ~ ~ - LAW O~'Ic:t:S MILLER AND MILLER 1 13 LOCUST STREET P,O, BOX 709 HARRISBURG. PA 17108,0709 T.I,phon. (717' 232.0760 Fill 17171232.1302 '~-...- CARLISLE AUTO PLAZA, INC. a/k/a CARS llY GE'I"I'EL, INC. and ERIC J. WIENER, PI:t1nllffs IN TilE COURT OF CO.\I:\IO:\' Pl.EAS CUMBERLAND COU:\'TY, PE:\':\'S\'1. "'\:\'L\ CIVIL ACTION - l.A W \'. NO. 98-65-18 GENERAL ACCIDENT INSURANCE COMPANY OF AMERICA and J. RODNEY FICKEL INSURANCE AGENCY, JURY TRIAL DEI\IM\DEI> Dcfcndants PRAECIPE FOR RULE TO FILE COMPLAINT MILLER and MILLERO ~L" \\1 ) J-- . l'liomas Miller 1.0.1/7219 1',0, Box 709. 113 Locust St Harrisburg, PA 17108-0709 (717) 232-0750 TO: Curtis R, Long, Prothonotary Please issue Rule upon the Plaintiff to file a Complaint within twemy (20) days from ,en ICe thereof, or judgment of non pros, , .. DATE: December 9, 1998 AHorneys for Defendam, ], Rodney Fickel Insurance Age'Ill') RULE TO FILE COMPLAINT TO: Carlisle Auto Plaza. rnc" and Eric J, Wiener, Plaintiffs and Eric J, Wiener, Esquire, their attorney You are hereby directed to file and serve a Complaint within twenty (20) days froIll service hereof or judgment of non pros, Date: >- (", '>- 0 lr. f-- .' ~~. , i U.J~ , ) .<: <"',,, :": ) p:~ , Lt.. , :, '- 1 ~ Cl ~ ,,-, l(! l':'J' . -- E:~: u ~~1~~ k ,. c.::...: l.~_ "" ) U e" U .... ,- I - 1 tJ F/"::L. .H..U...... ...TU"N - .UMMON.rCOMPI.,/lINT a~ {(;'L-Q COMMON PL EAS NO. COUNTY COURT VERSUS (I/,,' TERM, 19 f';f )~~~t aC,Ct'd~/hr It." I) SERVED AND MADE KNOWN TO _..J/-f~ NO, (- 5 </f' tic.((i{:~ %Defendant o Defendant Company by handing a. true and attested copy of the within Summons/Complaint, issued in the above captioned matter -Il" ~ I . on --4J?U' - 7. ,19, If' , at/t:""(: o'clock, ,f/' M., E.S.T.l9,g,T, at ~ t/,,?;;;Id,,4- -5'1': , in the County of Philadelphia, State of Pennsylvania, to ( (! ;f;;/1 ,(/~'- &c--<------< o (1) the aforesaid defendant, personally; ;j o (2) an adult member of the family af said defendant, with whom said defendant resides, who stated that his/her relationship to said defendant is that of o (3) an adult person in charge of defendant's residence; the said adult person having refused, upon re, quest, to give his/her name and relationship to said defendant; the manager/clerk of the place of lodging in which said defendant resides; 0(4) ~(5) 6 (6) the agent or person for the time being in charge of defendant's office or usual place of business. and officer of said defendant Company; So Answers, JOHN D. GREEN. Sherif! By: "~I ."- ii' 12.38 (R.., 12Al7) 01, :\' ~'i :~ CERTIFICATE OF SERVICE AND NOW. this 7'h day of. January. 1999, I. Cynthia D, Byrd secretary in the law firm of Thomas, Thomas & Hafer. hereby certify that I sent a true and correct copy of the foregoing document to the following counsel of record, by placing a copy of same in the United States. first class mail. postage prepaid, addressed as follows: Eric J, Wiener, Esquire Handler & Wiener 319 Market Street Harrisburg. PA 17101 (Attorney for Plaintiffs) ..} ) . I ./ ;' I Cynthia D, Byrd //", :I G, Thomas Miller. Esquire 105 Locust Street Harrisburg, PA 17101 (Attorney for Jay Rodney Fickel Insurance Agency) :46526,1 CARl.ISLE AFro I'LA/A. I:'\C . alkla r ARS BY GETTl.I:, 1:'\(' . and ERIC J WIENER 171: TIlE COI tRT OF COMMON PI.EAS ('lJ\IIlERl.i\:'\1> COUNTY Plaintiff v ~(lI)X-Ci~-lX GENERAL ACCIDENT INSURANCE COMPANY OF AMERICA and JA Y RODNEY !'ICKI.E I!\:SIJR.\NCE AGENCY. INC CIVIl. ACTION - LAW CO !\I PLAINT AND NOW, comes Eric J Wiener. Pro Se. and as assignee ofalJ rights ofCarlisJe Auto Plaza. inc.. aik/a. Cars By Gctllc. Inc., and tiles the within complaint against Defcndant, General Accidcnt insurance Company ol'America. and J Rodncy Fickle Insurancc Agency, Inc. I. Plaintiff: Eric J Wiener is an aduh individual currently residing at 4505 Lakeside Drive. Harrisburg, Dauphin County, Pennsylvania. 2. Carlisle Auto plaza. Inc., aik/a, Cars By Getlle. Inc,. (hercinatler "Carlisle") is a Pcnnsylvania Corporation maintaining an ollice and place of business at 1143 Harrisburg Pike. Carlisle. CUlllberland County. Pennsylvania and at all times relative hereto. Plaintifl~ Eric J Wiener \Vas an agent of Carlisle. a Pennsylvania corporation. 3, Defendant. General Accident Insurance Company (hereinatler "The Company") is a corporation engaged in the insurance industry and registered as an insurance company in Pennsylvania. doing business and having a registered oftice at 414 Walnut Street. Philadelphia. Philadelphia County. Pennsylvania. 4. Defendant. Jay Rodney Fickle insurance Agency. Inc. (hereinafter "Fickle") is a Pennsylvania corporation maintaining an otlice and place of business at 151 West high Street. Carlisle, Cumberland County. Pennsylvania. 5, On or about July 12, 1994. Plaintiff. acting on behalf of Carlisle, purchased a 1994 Jeep Grand Cherokee Irolll Hugh R. Jones d/bla Jones Motor Cars Limitcd, for 526.500 00 This whiclc was originally from C:lI1ada (scc allachcd Exhibit "A". billofsalc and Exhihil "II" Phlil1lifrs chcck as prllofofpaymcnlliJr 1<)<)-1 Jccp.) Mr Joncs rcprcscnted Ihi" vehicle as having a wmTanty "ftitle 6. On or ah"ut Septemher 27, 199-1, plainlin~ on hehalfol"Carlisle, rclying on Hugh Joncs's rCllrescnlati"nthat the \'Chick had a good titlc, and upon rccciving a clcar titlc formthc Pcnnsylvania Dcpartmcnt oftransportation, Burcml of Motor Vchiclc. rcsold thc vchicle IllI-.'lr Robert Gulln tor 526,500.00 7. On or about Novcmber IS, 199-1, the 199-1 Jeep Grund Cherokee was scized by lhe New Jersey police and lIas tound lOp have been slolen from Canada S, Plaintill'rcimbursed Robert Gullo a 529.30000. This includcd legal tees. <). On or about July II. 1998. Carlislc assigned all right. title and interest it may havc on any claim rcgarding the 199-1 Jeep Grand Cherokce to the Plaintiff A copy of said assignmcnt is all<tched herelO and marked Exhibil "C' and incorporated hcrein. Eric J. Wiener v. COllNTI Jay Rodney Fickle Insurance Agency, Inc. 10. Paragraphs 1-9 are incorporated herein by reference thereto. II. Fickle. acting as an agent for the Company, placed insurance coverage for Carlisle. The policy in queslion ran from December 29. 1993 to December 29, 1994. A copy of the Declaration page is attached hereto marked Exhibit "D" and incorporated herein. 12, On or about August 12. 1994, endorsement was added to the policy, which included coverage at property located at 480 Corman Road. North Middletown Township, Said Declaration included commercial general liability coverage. A copy of endorsement is marked Exhibit "E" and incorporated herein, 11 "rrhe lime. the policy was lakcn oul 'i,,' hy Carlisll' Iluough De/cndarll Fickle, il was assumed Ihat Ihcrl' lilil and complete ""crage Ii" the iIlllomohilc dealership 1,1 On or ahout Scplcmhcr ~(). I 'i'M, Callisle nOlilied DefcndamFickle ofa pOlclllial claim as a r,'sult of purchasing a whicll', I,hich possihly might he dcclared stolen As a result of said notice hy Carlisle. Defendant Fickle presented a claim to Defendant Gcncral accidcnt and also adviscd Carlislc that thc company did not haw lillse prclcnsc covcragc, and accordingly. thc delcctivc titlc oflhalwhiclc mighlnot hc covcrcd. I S. Said inlill'lllation was rclaycd to Mr. Paul Geltle, Ihe CEO and manager of Cnrlisk II was the lirst lime Ihal he was aware of such coverage and Ihal il was nol includcd in his policy. As a rcsult. on Octohcr 20, J 9<).1, lalsc prclcnsc covcragc was ohtaincd al an additional prcmium. Said cndorscmcllI is alwched hcrclo and markcd Exhibit "I''' and incorporalcd hercin. J 6. II was subscqucntly learncd. on or about Novcmbcr 23, 19<)4, that thc subjecl vchiclc was, in tilcl, slolcn. 17. PlaintifC assigncc of Carli sic, had a contraclual rclationship with dclendalll, Ficklc, which rclationship includcd an agrccmenl to providc fllll and complcle covcrage for Carlislc, J 8, In brcach of that contractual agrcemcnt, Dcfendant Fickle failcd to providc 11I1I and complctc covcragc and as a result, tailed to providc lalse prctcnsc coveragc, which should havc bccn provided to cover a loss that actually occurred, 19. Dcfendant dcmand judgmcnt against Dctendant Ficklc for brcach of conlract in its failurc to providc talsc prclense coverage Hnd to obtain full and complete coverage for Carlisle. WHEREFORE, PlaintifTdemandsjudgment in cxcess of the amount 01'$25.000,00, Eric 1. Wiencr vs. COUNT II Gcncral Accidcnt Insurance Company of America L 1'1 "aragraphs I.IX me inwrplll'ated herein hy reference thereto ~() The General/\ccidenlpolicy and declarations listed in bhibit E eolleelively entille Carlisle to covera!!e t(lI' Commercial (jeneral Liability Covera!!e By' vinue oflhe million dollar endorsement allocation 2, this covera!!e, intilct, is inlact and the $21),30000 paid by ('.lflisle and/or it's assi!!nee is due and owing by Defendant General Accident as a result oflhe policy as well as its amendments Ihereto 21. The .Imendment for Ihlse pretenses was, in tile!. aller Ihe claim was liled mId therefore, this claim is not directed toward that amendment. 22 It is averred, however, that Defcndant, Fickle, was the agem of General Accident insurance and, as such, had the duty to fully insure Carlisle, and as the principal is liable for the breach of contract of it's agent, Fickle, and also the policy cover loss for commercial liability. WHEREFORE, PlaintilT demands Judgment against Defendant in an amount in excess 01'$25,000.00 " t Respectllllly submitted, " ;~ </ ~/ ~ ~ ,;! 1 , l,! - Eric J, Wiener Pro Se 'l , , .~ } L iJ 'I 0 0 i. 'J \."!~I!,"';Li:_.. ~~II~t~I'i!\l;i~r- ....l+.L__. .____ ... . !1'.!1_,_.!/~'{1:::2.!LdL_hD,)~_______._ 1 HAll I 'OOllUS (r1({!-1f.LL-l~'! ----H.IlJ'ltIL!,;.___ ..--- --..--..----- --.i..'.-~~.::.-.--?!..~~:L__.___. .'$ "HO"{ lilt f'1l0N( ",_',_:_U___,. '-~C""--~-'''';::'''~-_';:;;,:",;:-,,_.,.,__'';:".-:;:::z ----.-------- !,loon "~" \ on t:=;.,... I ..,"t \/t":.-/ Stll'l~ '..':J .f.:'" ,- t~l!1U~:r//tetp.~ (~~fJ: j 6250 Carli~lo PIke MOt:hufllc:ibur9, PA 17055 ,_~=.= E17! !9~~9~~".. PLeAse ENTeR My_~nOEIt fOR.!lte FQUOWHj(; ._?l!~:~___ u_~!<!~.~~~~;_~_. 1"_"_'."".1 ___.:-: '_"_ -::_-0_- --_--_..-_- -_-_".-.._""....__1'.,/1.....;' .1.f..~~~"~!- ~ ~! _1 ~ -! ~~!L~~ _ . '!' '.' 7 _ CAStt DU IVEUEO PlllCE Of UNIT .00" 'I ~::~;;-'.::!~--. 5EH'''L _'_'~. ,_.It./__~ l:! .z O.l:NClJMUEn lO tt'l: (,IlIO,1 --_.._.._--------------~ - o NO ENCU~lOn^NCE o W;TI1 G.I.J^f\At'TE~-=_=__==~--..---- "- I 0 'AS IS" - NO GUARANTEE , W[ t1f.Af;BY UPR[SSlY DISCLAIM All WAR. "AHlIES, (lTllt" (URUS OIIIMl'lIEO, "'ClUD. IHO ANY Il.lPLI(D WARRANTIES OF M(RCIlANlA. 81UTY OR'I TNESS ron A PAR TlCUlAII PURPOSE ANO H[ITUfR ASSUMf NOR AUruORIU AHY ontlER PERSON TO ASSUME 'OR us ANY WAil. AANn LIABILITY IN CONNECTIOt. Wlht hiE SAlt 0' Hl[ V[IUCLf. U.CIEPT '011 ANY MAI~U'ACTUREA'$ onOTH[R EXPRESS WARRANTY WtlICIl MAY ~XI!.T au TuE Y[ItICLE. rilE UITlAE RISK AS 10 TIlE aUAlITT AHD peRFOnMANCti, OF nlE V[IUClE 15 WIlIt YOU, THE OUYER. AND SHOULO Tile VE!UCl[ PAOVE DEFECTIVE FOllOWING PURCIIASE. YOU WilL ASSUME Tile: ["TmE COST OF All S[AVIC INQ AND AEPAIR I fl"'l ~)...j .----!..--------- .(l "II n ~illC:K III.".!> (l-All rn Illl '''I 110 0"11 ';'1(1(" "0 \ -_._---~,-- OtAI,eM S W"lUlAH TItS "HOIOR R(PA[SfNT"TlONS w~ "" Ou',' "."I"-QI b~ "U~l, l/,l YO'" HI. lJulCn.", 10' .n, ~O"I~/,l"~""""~""'Jn d.m.'J~~ 10 U'UQ.,., d."'.'l~' 10' 'OU 01 ..~. 'QU g'ltm, '/,l"...1 c,ot.n O' ....,ome 0' ...., Ol"~' '''C"JI'''.' l:u...."'~~ .",.,,';1 0...1 011'" ,... O' u'~ 0' Ine Vlr"CI. WI ..~ n".. o.,.~ 10 .I", 'n.n..'.cI..... 'II' QI"" Ill"d ;1"" ....'."I"IIj)"c,O".u'h'....h,CIf 0..' ,,,,,0. ".0'.""'" 1""0' P"'lIo~.,ol u',,,,c,,,,,, '"p...~...r":I" ,...CIl ......."1.,- . - - r - _.~ - --/.._-- ------ . ---1- -._-- -~_.-' I ---1 I L- I I . -;-~-~----_._--"- ----.- ----- "--._,-----,.- -------,- o rn. V."'Clt 0' Ch'U,1 (o'~"LJ 0.,. 10'1 0'0" ., ..... ....d ....II.n ....nul........" I ...",.nlt c.. """'d 10 ,0.. ..."n .Pl. V~Pl,~,~ I)' c".,~'s ''''" ~l!II'. o OTHER ',. " .. ,),- , , J- '.I I 'I '.. ----,--- - SIGIIAlullE; X _/' OEPOSIT foOT IlUUt-.lO"6tE ,SICtl"TllRfI X USED CAR TRAOE~IU MID/OR OTHER CREDITS ! MAKE Of TR~DE_IN ! MILEAGE: YEAR- I ; MVl OR SERIAL HO. 'I TITLE BALANCED OWED TO I ADDRESS jl USED TRADE-IN ALLOWANCE BAL:I.NCE OWED ON TRADE -IN NET ALLOWNACE ON USED :r-RAOe:!N-- CASH SALE PRICE OF OESCRIBEO MOTOR-VEHICLE ~ ---------- ---_..L.i.____:. LESS ALLOWAtICE ON TR,\DE./Il S MOOEL ----.------- - ------"-------- BODY BALANCE S TAG DEPOSIT OR CREDIT BALANCE STA TE SALES TAX s EXP Ot-;':'ICIAL FEES PAY-OFF AMOUNT I \ LESS DOWN PAYMENT l..t/,(:' .: -;-----,.....:..!C.F. \ ."'. TOTAl. S UNPAID CASU BALANCE.. ( Ollt 0" ) D[lIV[AY PUR01A!.ER'!. WARRAUTlES MID REPRESEHTATlOtH T YII.. a .ee 10 be bo..nd b.,. the ADQITIONAL PROVISJOtlS on ,I,.. 'e~"'~e lide o...d'e ."~.;,, and _o-"lInl: I- ho. ~o.. ~'" 16 Y"o.~ of 119~ 0' oldu' 1. Tho, 10... 0'" 01,,, a_,,_, " .., "h-,.,',. I I h h I I I II I . . ~ . . hll~" Ivll p'h'~' Il"d "",'ho,,'y 10 J"po~e 0 '..e ~~hu;l~ '."J"d.in ""d '/'01 I"'C: .~.c ~ " ,~" 0 II IInl c:n.. ....c.....b.on(" ~ e. c~ P' '/'01 III J. Tho, \...," ..ch;cle doel "0' ho~. II croc~.d h~Qd a. t.locl. a' o,hu mo'~,iul d"feC:h ond ,h.. ~"h,cJ~- ........,ion CQultol '1""m II' on)' pllll th"..ul Q"9i"'011~ .....I'Qlt~d 0' cO"'l>o'obl . I d _ . (HOTICE TO BUYER') 1 ell oc.. """0(1 onJ ope.o...." ...c:ep' 01 '0110_\- ~ . DO NOT SIGU TillS COtllRArr '" RI ...,... ........ ..... ~..~._..._. TeT YOUR LFCAL RiCiiTS-yi1i'SOF' ""lun,l:i1:A"LtK . ,_ "U'''Oflhrto SU;""TlJJI[: ,._j.,/-__ a:U.rnsa .c"n"'.,n . --..:- )' OF TltE CONTRACT YOU SIGH. KEEP IT TC. ~ OR Ifl!. AUTHORIZED REPRESENTATIVe, EXHIIJIT "'A'- . . ~</ ~~-~ '. , - ....... .......... (.I" ~ l' ~Q, p ~ ~'<:8 :< .,;~2t: Q ...Il.~!>: ...~~si :lJ;o"!;r l< 1\00,!f s J: .\ Qj ,p!! o '" C.17111J 17' "IJ" '.;-4!'~, ! '. :,Y;~:/'~f.~,:' .~lfft:~~//~j("," ASSIGNMENT Carlisle Autol'laza, also known as l'urs hy Oetlle,lnc" docs herehy transler and assign all righi, lille und iulercst and claim hlllay have agaiusluuyone, including Eric Insumnce Company, Eric Insurunee Exchauge Eric Insurance Group b/a,llugh Jones und Jones Molor Car I.td,. J, Rodncy FiekellnsuflIuee Agency and Generul Accident Insurance 10 Eric J. Wiener relative to the purchase of one 1994 Jeep Grand Cherokee Limited on or uhout July or 1994. ~...) ul Getlle for Cars by Gctlle, Ine, Fomlerly known as Carlisle Auto Plaza Date 7 II! /f'l I I EXHIBIT"C ~ ,~ , Gt\~ CENERAl . ACCIDENT INSURANCE ) Declarations- Garage Policy I 'p ier 0 0210t1:J7?V1 f'Qhcv J...utxi. 1101 A.M \lJ~rd 11mt" ... you, ,"",IIi,"" ,Add,...., trlo-'" F,om M_1~ !" ~2...-9k_..___ N.mt'd In\urrd.nd' m.l11inSoMld,fO\\(no . "',,", lown (dtm",.. ,1.11". III) I (.1t'1 o Ihfo C.llnd~ '11.. In\u'..nct! A\'oO('.ltion ) furm of !lu\u,..\\ o Inc1I\'Hfu..1 Dcurpo'''II(In[i] """f'll'"f'hll.O O,h.., o ....no,.,I'I.m. ern..,.l IOW'dnff' (nmp.anv . Cl e ... l- e '" ... .. , J. og . II..... one-Policy, produc.r, Ind IppllUdt.4nfDrmlt:On fi) cp,,"..t Ac(~ l,"""..net' Cl l'ulftm,K :.nuf.nc.. Comp,lny 01 AmPnu I ~ ,._1'1/10111' ullllu'O\ Z Pohcy numbft tI,,,,o. h (Mht" Uf C.-or,..1 ~~_",.~~.blaN carli.l. A.to P18.., IDO. 1143 Iarrl.~rt Pit. carli.l.,.. 17013 '\~"nl rumt' ,J~lf_"'!'ll_.l_I~ ~aMY, ~1lO' p "ltton! cnd.. !t.mtt W..nt-W.l1 u( poll(, V no o 02106:J7~ _ OcCUp.lhOn 01 bu\t1'M"\\ of 1M rwmt"d IrtWrrd .~.Rftht.ad ~aa1.p InrrtumforIM~yrM'fttoftlw prtmk"n..nd wb;ftt to diM I",", a' this pnlky, W..I1'"' ..-ith you 10 p,O\'idf' 1M in "!~I~....I Ihi, i....:.;:.~ , '~~ ~ lI.m Iwo-Schodul. of CD..r.g.. Ind co..rod lulD' Th,,, polICY pfO\'tdP'\ only lhoow (O'if'f.1RP' wht",t".. ctyrgl" t\ \haw" In lhr pnOm1unt \ulu,,1O lwlow l.u,h l~ l~ ,u_t".l \hown dto (O\'t>fret ....uIO\:. "Au1m" d'P "hown.n (C)VMt"d ".IuU1'lI.' lur .1 l4Ir1l(:ul.lr (O'ON.lgt.. by the entry of ont" or mure AUTOS Sf(lton of Ihl" c..'''''f' CO\'NoIRf' FOfm M'llllo Ihto nJrrM" U' lhl' luv..r.lRl.' COWftd ulol II"'r\I',.,_..._t1'tlw~"" lHJrtIl....C~ A.-......l...".ffw G.tt. (-_'to' lumt ",,-_,.looo II otIIlc"...."'......t,o.AO\l " limil tht" mmt Wt" .....,11 PdV for .Joy ont" ,)(cldpnl or lm\ Pft'mium , Co\'",~," ll..bility [.I(h 'AccIlhml" AUI0" Only S "1111,1100 "G,H.I~t" Opt.'rJIIOn,," Olht>' ThJn "Aula" Only I IS ~oo.OllO AAAreg.11t' - "Garage Opl',atlon\" Other fhdO "Auto" onlv ?I;; S <KIO.OOO Separately slated in each P.!.P. endorst"ment minUs S....yt! deductible. I (p3o.CD J...879.90 "'r "AI' .,. Personal Injury Protection (or equivalenl No-Fault Coveragel Added Personal Injury P,otection (or equivalent Added No-Fauh Coverage) Property Protection Insurance (Michigan only) 24.00..... ?Ill;; Separately Slated in each Added P.I,P. cndorsemenl. Sepdr.llely staled in the P.P.!. endorsemenl minus S deductible for each J~cident. 56.00V Unin~I'Oed Motori5ts ~ww T.... f. ?I: ?,;, ~n s 1,nnn ,;l(."cP ~ Medical Payments s ~~ non l~ D..~" ~aR' 26,00...... . Underin\ured Motorists twhen flOI included in UnInsured MoIomzs C~I Garagekeepers Comprehensive Coverage Garagekeepers Specified Causes of loss Coverage Garagekeepers . Colli\ion Coverage S ,,\ll;,rnnn tll:j; n1n:I'.W'A 'PaftA\ S 50,000 ed(t- locall<ln minus S 100 dee!, ior l'acn CO~l'rl'd aulO iOII~~ cau..ro by Ineit or ~1'>Chlei or .ar.d..h\m \LlbiPct S mJ~lmUm deductible for all ~u(h to~s I~ an~ one e~en1. 10.00 ...... 284,00 V 'tn !:inn S SO r 000 !;'ach locatIOn minus S ?.;,n dedU(1lbe for eoKn CO'ol'fed auto. 10ft -'clUJI CJlfl';alut'llfcO't01 r!'Pdlf.wh,Che'll'fIS!eo,\. ml~USS dell. lorNch co\eroo JI~O SuI '10 clt'rlud;bko Jpplt(", 10 ~\ulMl by fireOl ~ghlnll~, St"l' Suppll'lT'l'rrarv Schedule iUf d;>a1r'\ . J~TO\' ,l~d '.JuIO\'" held iOf \.lIe by Iwll.'r dt'JII.'~ Jnd nOf1.ct'Jle~ 206.00 ./ PhysiCJI Damage Comprehensive Coverage '11 869.00 v Physical Damage Specified Coverage ~(:t;..\ O\n \JI~e or ;:ml or 'l'Ca,r ...flichl'\rf ,\ :~s, minus S25 d~ rQr elch (OWlet! JulO :0: 10'>\ CJ~jffi h\ -:11'>(hlt~ 0: \JndJh\fl'l 5re 5uppleml.'nwv ~chedule Tor deJI;>r, '"JuIO" Jnd "1~:0\' ~t'CTr;r ;J:I.' h_ tlal~dpJlel\Jnd non.deall.'~. Physical Damage Collision Coverage ..\Cllai O.,M \Ji~.. Of (ry.l r,l rpp'!,r ,...h'CMt"oel,\ I~.., minu.. S 250 ded for eJch cmeff'(j lull) \t'e Suppl~ml""!m :<hedulerof dt'J~e'~ .J~tOS'" Jnd "'lulO.," ~eid!Of IJle bv trJ'!p' rll'JIf'I\ .!~d ron-dl'JIt;'1\ , ""3,00"/ ~~. ..-.-.- ." Physical Damage Towing <il"lrl La~. inot available In California) Audit Period: Annual. unless otherwise indicated. s lor I'.H'h nl<;.lblemenl of a priv.ltt' passenger auto. Premium for endorsement ./ ~-3......QQ..SjC o Semi.Annu.ll 0 QUdfter 0 ,'-10nth Estimated total premium ; ~ Ef1dorsements .l!lached to this policy .11 lts incention. De~ PG079 ft~~aehed This Declarations Page. together with the Common Pohcv ConditIon, U)\l'1,1~.. Fl)rm (-\noll) .!nO haorseml'nh 'I -l"'. ,."ued tn IOrm .i pMI lhereot. comple1:~ the numbered Pr)licy Ddte Jnd place oi ;..sue .; " Counter..n;ncd bv I/\uthonzed Agenll rf-is d('ciarJ~!.)n must be compl('!('(: bv :he .mJchrr.t'~1 1)1,) Supplementar\' Schl.dull'. \.-:-9~~ 9.~') D~ EXHIBIT "D" Udlcl!;l: rUlIlY - AUto Uealers' ~~~.p.lc:.'ro<~~o~~ ~r..~~o~~~~u~~ ...., "m';on, 1'0:'0 ...." G 02\0637-J)' loed,..,n 'No Adc.Jrl'~' . Sl.lll' ~fJur fllollll hU\ln.'\\ llJ(Jltufl ,I) lot:JIOCJrl '.u 1143 lIan'hbllry Pite, .ortb IUcl41etoe Tonablp, CarU.l., ~ 'l'IlIJI 027 1 ClDIMrlucl Couty, PA 17013 eLlSS 7352 T.lI 021023 lIt'm four-li.biliIV (o....rr.1Xe.Prrmium\ lOt,lllon No (1...".,\ fit ()pt~r<lIOl" 1~,lllnlC J..t,li t..lbll'h j'I"\()11.II "'''PI'fIV '<UI"!)'" 01 ~,lIt")/, '.11'''11 loC.llt. ,n,UI", flln' lI'ult"Cl,on I,ll lor Ilt'f\IHl\ ,.",h "n'h plI'!fl'ur" pfl'm'lI," "'''''''11'" SO CA2237 . CA223S -'-.LOlL - 2 - _2JJ!lL _2_.00__ VllL lJIR",.eO 24.00.... 51.00" CI.l\\ I.tmplu\'",,\ Rl'~ul.H OPI",I"lf\ CI.I....I.[mplu)'t't... All O,hc.'r\ .40 _<L- _O..!!<I._ "---'- ---. -- --- Cl......II.Nfm.(rnl'lu'rl..j... Uncl,'r ,l!o(l' 2S _1 LI_L _._~.__ .. .0.09_ ..~._._--- .---.----. - ---..... -'---- t:f,h\ II.J".on.EftlpJo"l't'\ A.ioI~ l'i UI U\l.'f _L~.L _.9_ uJl.O.lL C1d'lOS I.Emplu.,..et.~ RE'!4ular Oper.1to,\ CI.1~~ l.[mplo.,..et-'~ 2 All Othl'r~ Cl.1s~ 11.:\:on.ErnpluYt'e,> Under .I:>;l' 25 CI.h~ II.Non.fmplo,....t.'o I\se ~S 01 tHf'r OJ.... '.[mplovt-'l's Rt'~ul.lr OperJtcm CldS~ I.Emplovees 3 All Olhers CIJ'lOS II.Non.Emplov",,,,,, Under age 25 Cl.I..S II.Non.Employe..."; Age 2S or o~er Oeimltion...: Tolal Premium i'L,....,,,.oo 24.00'1 ~ 56.00 Class I.Employt't's Rt'guloll Opl'ldtors AilOtht.'rs .Proplletors. partners .:and olilcer.. .lCllve In the "~Jr.lge opt'rallons," ....lle..persons. generJI m,lna~t'rs. ,ervlce miln.lgcrs. Jny emplovee whme prmclp.:al duty Invol\e... the opefatlon or Co\ert'd "Julos" or who IS r'urlllshed J covered "Juto." -All other employees. Note: ParHlml' emplovee) working an J\ierage or .W hours or nlOrt' ,) ....eek ior the number or weel..~ worked Jre 10 Ill' (Qunled JS rating unit each. 2. Part.time employec,> worklllg In .lVerJge or It'ss Ih.ln !U hours .1 ....eel.. tor the number oi wet'ks worked .Ill' 10 be counled ...... "1 ratlllg unit each. Class II,Non.Employees ,Any of the following persons who Jrl' regularly lurnlshed With .1 covered "aula": InJcllve proprietors, pJrtners fJr oUicers Jnd their relJll\ies .1Ild the rel.1tlves 01 ...ny per..on described In (IJSS I Ilem five-liability coverage for your customers In Jccordance With pJrJgrJph a 12l of Who Is An Insured under St.'clion II.LiJbilit.,. Coverage, li...bdity co...'cr,lge lor Y(lur customer~ IS lImited unlc.., IIldic.lled below bv"~r. [i] If this box is checked, paragraph a. 121 (dl of Who 15 An Insured under Section It . liability Coverage does not Jpply. Item six-Gar.1gekeepers coverages and premiums location No, Specliied Causes oi Loss Limit oi Insurance iOf eJch IOc.1110n (,"bsl'nce oi ,) limit or deductIble below means that the correspondlllg lIem I\\'o Ilmll or deductible applies,) 3 50..000 mlllus $ 100 deductible ior eJch COliP-red .luto fur 10.... Cd used by thelt Or rm5chlcf or v,lndJl6nl subject to S 500 mJximum deductible ror all ..uch loss III Jny one eVt;nL S c;,n, nM minus S 250 deuuctlble ior l'Jch cO\l'red .1U10. S minus S deductible for eJch cmefed JUIO for Ims cJused by theft or mischief or vandalism subject 10 S maximum deductible lor all such loss III Jny one event. S mmus S deductible ror l'Jch eOlicred auto. S mlllus S deductible lor e,leh co..erl,rl ,lU1n fur lo~~,c.!u~ed by tht'lI or rnl'>clllf." or \dnd,lllsrn ~ubll.'cr to '5 m<l\IIl1Urn deduc!tblt. tor .III such !th.. In ,tr1\ <)n,' pVt'!'1 '5 minus'; deductible tor l',lCh ':O\t'rt'd dutu Tol,11 Pn'mium Premium lor JlIloCJtlons CoverJges ComprehenSive Collision 284.00 V 206.00"'- Comprehensive 2 Speciried Causes of La,s LolJlsion ComprehenSive <;pecliit'd C.lUse.. oi Los~ C()lli~lon 490.00 ~ CM,I~l'ket'pL'r~ Cu',ef.lse .lppllt's on <l h~g.l: tl,lbli'l\ b.hl~ tJl1:t'~, (Jf1l' 'jl 1fw LJ'H'tl (,)\"r,l>:t. Uptl{)lh'~ '!'dl(',lll'<i i)l':"\\ h.. ~ DItl'l.I C()\l~r,l\::l! Opl:on.. r--: E\(;L'~~ In'ourall(;t'. Illhi~ bo\ I~ d~t.'ck,~d. G.H,U,\e\..L't>per~ C()'-...r,l~t." .:h.lfl'.;..d to .lppk ,,'II1'HII ,,',\.nd t" "",, <" ..." "th,., ,,,,,,,,,,,, :"'5'" Io-l().\'\~ lUf ''In L-.lIO.1 covered ",lUto" .lnd Ii '-'\Ct';; iJ\l:-'r ~.nr' Othl'r co:lecllble Ilh\.;t,\f1(e ~l.'\(Jrdr(>~, 01 wnl'lrwr the 00'1('r 'n'o.;r.lllCt' (u..,"'> ."'J{ dr .1Il', ulhl;-'r,n'iured', "11er,,,; or lhe ,111L'fest at the cO'-Ned ".IulO'S" owner. o PrimM\' 1t1;ur.1Ilce. Ii IhlS b'J' I" dlt'..;Jetl. C...r.lsekl'epers CO\cr,l>:t' to .1 CO\L'rl.'tl ",Illto" .Inti IS prttl1.1rV Ill,ur.lIKe :\.i935 Rev, 10.92 DR h (h.llll~l.'d 10 ,1;J>Ji.. ....Ilhuul rt"~.lfd 10 \Ol;r or .m. nrher',n,url'd',' :t'g.ll :1,lbdl{Y ior :0';; BRANCH OFFICE OR GENERAL AGENT"S COPY ~ GJrilge Policy. Auto Dea" .suppieme.llary Schedule - (continued) l'l'm .n.n.Phuic.l1 d.am.lSP (11\"'41." hpt't 0' (O\"tfrd .IUlo, .Ind inl,,", In Ih~ .IUlln. P,rmium,.Rt'portinl or non.fl'9Ortin. b.,j, fJO~,qi .~,) G 0210637-v7 L" . Cmtr.l"t'\ hpt'\nf "Julm," (J(h III 1111' 1011')"'''1{ l'h""'(JI U.lrndl(t' (11\1",11(1'\ lh,11 t\ ",,1.\ ,111.,1 "1 Ill'm 1\\11 ,IPI': n .jfli, "1 It". ",."" 'If Inll'rt'\1\ luu'H'd I,!l" ,,"d "'11''''\1\ Ind,..III-<1 tll')(,\'\ fly ....'~\ ,IUIll. Cl.ImpFl'ht'Il\P.., [!J Spt'(llll'd C,lll'l'\ fit lu\\ lJ (ol1,\lon [~ louUon No. Co'tl'ri"" NON-STARDARD opn LOT I Comp'l.ht'n\I... ~1'("lflt'd C.1\J\l'\ 01 t fl\\ 2 COnlllrdlt'n\I',.,. SPl'ulit'd (.1\1\"\ ollo\\ J CO/FlI)(/.hl'fh,\(' Sfll'ciill'd (.'UW\ of lm\ 1\11 Colil\ion l;~,'d ,l\lh,., 1).'m'''',II,II.,'\ ..n'I'WI\IH' \.-h'lll'" ""'ll Hl"'II'~1 ,f] , OH'Il'd I.,tq~ ""11"'11 )llljlnlt''''~1 ellllv 'Il I,n,ullt'd 'O~'.ll'd .IU!O,' ""'.HI1!t'Il'~f ,Inti thl' '1lI1'ft'~1 01 .Iny f fl'dllor ".llTlt'(j J~ 0.1 10'" IMH'f.' ,\JI 'nt(~'~\h III In'i .Iulo" nul o.....rt>d hv vou or Jny credllor "'hIli' 'n vout po..H......IOi' on (on..rl(nmf'nt for \.lit' [!] l~ L~j [i) ~ [] [] [] [] 0 ~ ~ R.lIet Premium R,;,q ~ A';'Q nn [i] [i) [i] limit of 1"..urAnu' for t',tlh IUfJlilln I 100,000 Julo for 1m.. c.luwd ht< IlIlflU" S 100 dt'duClrbll' for Nch L1J'l'fud Ihl'lI or Il1I\chll'l Uf ~.lndJII..ftl ..ubJl'ct 10 S ttt\n I rn.H.rfnUIl1 d,,~hllllhlt~ Ill! .111 ,ut h lu,.. In .In~' oni' t',,'nl rnrrlU\ 'S dl'ductlhll~ for e.lch cm'ered Jutu lor 10.... t.:Ju'lt'd b~ Hn:lt or l!ll\<.hrl,'f or \.mdJIr..m ..ubJt'd 10 I I m.]\I.ltnum dt'ducllbl,' rOf .111 'lJeh In.... In .Inv f)nl' ""I'nt m,IlU.. S deductible lor l'Jcn cO\ert'd {o.... <.:.Iuled flv lilt.I[ or Il1I\Chll'l ,Jf \,lndJll'im \IJbjt'ctIQ ma...rmUlll dl'duClrbll' iot ell! \uen In", rn anv one I'v!'nl Jufo fur ; S 100,000 rnrnu.. S 250 Blanket annual colli..ion rdlet Frr\l $50.000 $jO,OOl 10 $100.000 Ul'du(llble for I'.ll:h covered aula. Adjustmt>nl fdctor $ 100,000 OVL'r Prt'!nium 3.377' I .80 I Total Premium I 1. 529 .528 1.963.00 'rA" nn OUf lImit 01 Insurance for "loss" .It locations other Ih...n thost.' stated In lIem three. S Additional local ion.., where you Slore covered ".lulu.." i In lran..il Premium basis-Reporting (Quarterly or Monthly) or Non.reportin.lt \lndicale bJsis agfeed upon by "0" l. o Reporting basis (Quarterly or Monthly as indicated helow by t~J' ). You must reporlto us on our form Ihe IOCdlion oj yOlH co\er.~d ".luIOS" and Iheir tOlilt '.alul' ill e,lch 1uch :ocalion. For your main sa:"'5- :~~'~"llo;' olS location no. I, you muSI include Ihe total value 01 .J!l cmeft'd "JUIOS" you na\it' iurnished or made available 10 vourseli, y')ur e'lecu!i',l'~, ,.. o:;'mployee.. or family members and other ClJs; tl-Non.Em;>lovL't.''i. .lnd cO\lO'red "Jutos" thJt are temporarily diiplayed oJr slored at Il)c,ll:0!~'i .J''':'' lh.ln Ihose ,Wen in lIem three above. For your rnelro .J!t', !u(Jllon ~'ou must incJ~de the lotal vJIl;e of all service vehicles. Your,2!Porting bdtis is: U QUdrlerly. You must give U\ 'r'our ilrst repor1 i~'. ~hl.' ir::ef:n!h dav of the fourth month after lhe policy begim. 'Out "Jb...equent reports :t':.,~ be- given to u~ bv lhe fHteenlh of everY third fTln~lh \ollr reports must contJin the \'Jiue for the last business da~ OJ e...",ry :hird mo':ti~ coming within lhe policy period. o Monthly. You must give us your reports by the ~Iileemh oi every month Your reports will contain the Iota I values you had on the iJ)t c='. of Ihe preceding momh. Premrums will bl' calculated pro rJta of the annual premium ior the c:o.:posurl'.!S contained in each repon. Atlhe end of eJch policy vear .....e \','j;i .',:,1 the monthly premiums or the quarterly premiums 10 determine your final premium due ior the enlire policy year. The estimated IOI:l1 premit.;:T:s :;h(;'., ,Ibove Will be credited ,l~,lin..tlhe Irn.ll prenllum dul.'. ~ Non-reporlinK basis. St,lIed limrt of Insurdnce ...ho.....n <lbme Jpplles. As ,l,lled in the loss Payable Clause. dny loss under Ihis insurance is paYJble dS interesl may appl.'ar to }UU and: ",';,.'r...,. !tem eight-Medical payments w\icrage. Refer 10 Item nine fur cO\l'rl'd Jutos insured on J specified car b.lSis. -----~._._.__.~--- '\1~111 ,\\ood"..,ji f\l, ':Il'!'t~ ( )1':', fJ~','r11"", illd t~,"",li~"'~ \\t'd,(,]; i'.I"l',. :1:, U" ",'- I', JI ,'" ,::, :0 :)""~"'. "('J~' .,1\, ,,"ll : I'. !" l '" ~ .' ""',," .;:;,; (':).:~.IIIOjr~'; L "d . ',,;': \1",:,1.." :',;',"1'_"1' , . "1 :') .i '.'1", :;: ~ f"fl'''lIlHTl d...terml'~dl'on P-t'mlum .\uln '1,.rlic.ll !'.I'.l1it'nh ;'r.-r'l '.,'11 "flU.,:, '" 'ji :h,~ lIem iour 1.'.111"'1', I'r'.'111 \1'1. ----~~._-.,,------._-_._..~~------_..,-_.~---~-- --- :. 'r. 'f''!_." ,lr~'; <.)r'," l' ",'. ',\"':" .'I1",.'l.:r;".1" ___L.-G~___~i:,:~~~~~~..::=~~-,<.;...."I ;-r"(~l"t', .11": I ':h-rJI;';o', lilll \",r,'-, ,-I.-C,t': ;').;,i~~!"'h ?rt"T'''..;,;l l'fllJ.li., '. ,.1 ';'" lh'm il1tlr L .!i"j,l'. ,(,'1;'1'..';1 .---".D...illL :',:'\.A,o;r:i" ._ G^ " , i ", ~ ~'\'. I I SehNI"le 01 form, .IIHI b,do,"'m. '''. !." .'11 I. ,."., Q 0210637::97 I""'/l'd 1'1 Ca~ll.l. Aato Pleaa, Iao. Fmnl\ .inti l'nrlurwl1It.'nh lIh1d,' IJ,tllIII Ihh 1I11111 \ I' Iht, Ii,,,,. UII\\IlI'(ilht'fI'lUl1lhl'h JIIlI t dilwn fI..h-'.I. tL0910 (01-111) tL0246 (06-89) , eA2106 (07-90) ,/ CAOOOS (06-92)/ CA2237 (12-92)/ CA2238 (07-90) ./ CA2S05 (06-92) ~ ,- L2618 (06-87) / CA21n (01-88) , 'CA2191 (07-90) ./ CAOl80 (07-90) ~. ILOO17 (11-85) IL0021 (11-85) . CA2502 (01-87)/ Alon (91 92) 1\892& (84 '2) ~ " '._, -_/ ' \\ 'J '''-1 ENDORSEMENT Nol Vdlid Unl"" Signed U, A Duly Aulhurill'd R,'prrwnl"ti", of Th,' (onlpdn, ~"'''' 'J"n' J. Ro<L"lcy Pickol In~. .\']on")', ,,, .1~7SGO In,ldUmenl Pdymrnl of Premium, l'I.UI'lIlluljl' 1),11i' "I '''\11' =p Dill, P.' 0:1 61-"J 11111""1'11I1"111'111',11\1'1'1,11111.11111'"11" \I""llt Il,1I \0'1' \11'1'''''''';':\1',,1'1\'''' ""111 12 :Ol A. 09 ~~_~L:'__ _.1 CPr> 0105313-07 \I l"IWlllu Car1i~1e Auto P1n:a, Inc. ~ Lpn"".1 -\11 1111'111 In..ut.lnt" .W(III1lIMIl\UI-\IIWrlt.1 O rt1l' Lllnd,'" I Ht' In~ur'''1tl' ,-\"UC MIllin O 1"'f111~\I\,III',I(;I'''''',11 IIhU,.llIlt' CUIllIMfl\i O PI,IllmJl IrhurJn(t' CumpJn'o' ul IIIInUl'\ Thl' mlufftl.lllun IIfH\ltlt'd lur ,Ihu.... I~ tl'qulft'd In 1)(' ~I",,'d IInl\ "hI'" lh" t'nllnr~t'nlt'nl "I~'\ut'(f IlJI JIl,uhnwnllo Ih"I)l)lllV \Uh'\t'qut'nllo Ih l'lIt'(hu'dJtt' Thl'Il't!n1lum ,hi""" tn thl~ pollt'o' I'!lhe.' J"'uunl ul pft.I11.Urtl....hl.n IMlll J""uJll~ An~lhm~ 1/1 Iht' polte\ lu lhl' lonlt,),v nUIWtlh,I,lndln/C. .11\ .J~'l't'(f IhJt )Jid p't'nllUIll w.1I ht- pJI(J In In~IJllmt'nl\ 01.. inllU\\')' Due Daleo oi Each ImlJlImeontlll' Prt.'mium Amounl 01 i"t<nllutn_ IncluUlIl1C ImlJlIlTlt.'n1 Ch,m~t> 09-12-~ 12-12-93 03-12-94 ~O 474.00 4?ol-;OO I I 'I , This endorsemenl is subject 10 alllhe agreemenls, conditions and e\cluSlons of Ihe policy unless such JgreemenlS, conditions Jnd e'(c!usions are expressly modified or expressly eliminaled hereby, 1618 Rc'v, 6,87 t "",-\ ~;" ,'ii<' '~1 \ '. G- A\ Common Policy If \ \ Declarations GENERAL ACCIDENT INSURANCE CPP 0105313-07 436 Walnut Street Philadelphia, PA 19106-1109 Policy No, CPP 0105313.07 Named Insured and Mailing Address,.., Ca,lisle Auto Plaza, Inc. 1143 Harrisburg Pike Cumberland County Ca,Usle, PA 17013 Issued by General Accident Insurance 511"', f'.~IIl". c..~". T... II ell,. S'.II. Z" c..., Company or America CPP 0105313.06 Renewal o( Number Policy Period: From 09/12193 to 09/12194 at 12:01 A.M" Standard Time at your mailing address shown above Form o( Business: Corporation Business Description: Used Car Sales IN RETURN FOR THE PAYMENT OF THE PREMIUM, AND SUBJECT TO ALL THE TERMS OF THIS POLICY, WE AGREE WITH YOU TO PROVIDE THE INSURANCE AS STATED IN THIS POLICY. THIS POLICY CONSISTS OF THE FOLLOWING COVERAGE PARTS FOR WHICH A PREMIUM IS INDICATED. THIS PREMIUM MAY BE SUBJECT TO ADJUSTMENT. PREMIUM Commercial Property Coverage Part Sl,443.00 Commercial Crime Coverage Part Sl34.00 Installment Charge $3,00 udit Period: Not Applicable Premium shown is payable:$..5ee L-2618... at inception;$ $1,580.00 2nd Anniversary TOTAL 1st Anniversary;$ Countersigned: 06/24/93 By 427568 Authorized Reprl!sent~live Fickel Ins. Agcy. Inc. J, Rodney 151 W High Street Box#1 Carlisle, PA 17013 BRANCH THESE DECLARATIONS TOGETHER WITH THE COMMON POLICY CONDITIONS. COVERAGE PART DECLARATIONS. COVERAGE PART COVERAGE FORM(S) AND FOAt.I~ AND ENDORSEMENTS. IF ANY, ISSUED TO FORM A PART THEREOF. COMPLETE THE ABOVE NUMBERED POLICY, IL 0019 (11.S5) In(ldu unljl~"4 m'll,,,t If IntU""U Su,icu Off,n, h"., willi ill ,,,minitn. C."richl, Insullnu S."icu OffICI, 111(., IIn, UU. Branch Office: Harrisburg Branch Office POLICY NUMBER: S 0210U7-0'F" COMMERCIAL AUTO CA 22 37 12 92 THIS ENDORSEMENT CHANGES THE POLICY, PLEASE READ IT CAREFULLY, PENNSYLVANIA BASIC FIRST PARTY BENEFIT Fo, a covered 'auto' licensed or principally garaged in, or 'garage operations' conducted in, Pennsylvania. this endorsement modifies insurance provided under the following: BUSINESS AUTO COVERAGE FORM GARAGE COVERAGE FORM TRUCKERS COVERAGE FORM This endorsement changes the policy effective on the inception date of the policy unless another date is indi- cated below, Endorsem;~ tive 09-12 Named Insured C.db1. a.to .1..., IDa, o 0210137;00'1" Countersigned by Benefita SCHEDULE (Authorized Representative) Medical Expense Benefits Limit of Liability (per inaured) Up to $5,000 (If no entry appears above, information required to complete this endorsement will be shown in the Declara- tions as applicable to this endorsement.) A,COVERAGE We will pay the Basic First Party Benefit in ac- cordance with the 'Act' to or for an 'insured' who sustains 'bodily injury' caused by an 'acci- dent' arising out of the maintenance or use of an "auto. . BENEFITS Subject to the limit shown in the Schedule or Declarations, the Basic First Party Benefit con- sists of Medical Expense Benelits, These benefits consist of reasonable and necessary medical ex- penses incurred for an 'insured's': 1. Care; 2, Recovery; or 3. Rehabilitation, This includes remedial care and treatment ren- dered in accordance with a recognized religious method of healing, / CA 22 37 12 92 Medical expenses will be paid if incurred within 18 months from the date of the 'accident' caus- ing 'bodily injury'. If within 18 months from the date of the 'accident' causing 'bodily injury' it is ascertainable with reasonable medical proba- bility that further expenses may be incurred as a result of the 'bodily injury', medical expenses will be paid without limitation as to the time such further expenses are incurred, B. WHO IS AN INSURED 1. You. 2, If you are an individual. any 'family member'. 3, Any person while 'occupying' a covered "auto". 4, Any person while not 'occupying' an 'auto' if injured as a result of an 'accident' in Pennsylvania involving a covered 'auto'. If a covered 'auto' is parked and unoccupied, it is not an "auto" involved in an "accident" unless it was parked in a manner as to create an unreasonable risk of injury, Copyright, Insurance Services Qffice. Inc., 1992 Page 1 of 3 C, EXCLUSIONS We will not pey First Part'( Benefits for 'bodily Injury": 1. Sustained by any parson Injllred while intan- tionally causing or anampting to causa injury to himsalf or harself or any other parson. 2, Sustained by any person while commlning a felony. 3, Sustained by any parson while seeking to elude lawful apprehension or arrast by a law enforcement official, 4, Sustained by any person while maintaining or using an "auto" knowingly converted by that person, However. this exclusion does not ap- ply to: a, You; or b, Any "family member", &, Sustained by any pe,son who. at'tIle"tlme of the "accident": a. Is the owner of one or more currently ,eg- istered "autoa" and none o( those "eutos" is covered by the financial ,esponsibllity ,equired by the "Act"; or b, la "occupying" an "auto" owned by that peraon for which the (inancial responsibil- ity required by the" Act' is not in effect, , 8, Sustained by any person maintaining or using an "auto" while locatad fa, usa as a residance . or premises, 7. Sustained by a pedastrian if the "a~cident" occurs outside of Pennsylvania, This exclusion does not apply to: a, You; or b. Any "family member", 8, Sustained by any person while "occupying"; a. A ,ecreational vehicle designed for use off public ,oads; or b, A motorcycle. moped or similar type vehi- cle, ..... 9, Caused by or as a Consequence of: a. Discharge of a nuclear weapon (even if accidental); b. War (declared or undeclared); c. Civil war; d. Insurrection; or e, Rebellion or revolution. 10, From or as a consequence of the following whether controlled or uncontrolled or how- ever caused: a. Nuclear reaction; b. Radiation; or c, Radioactiva contamination, D. liMIT OF INSURANCE 1, Regardless of the number of covered "autos". premiums paid, claims made. "autos' Involved in the "eccident" or insurers providing' First Part'( Benafits. the most we wlll pay to or fa, an "insured" as the result 'of anyone "acci. dent" Is the limit shown in the Schedule or in the Declarations, 2, Any amo""t payable under Firat Part'( Benefits shall be excess over any suma paid. payable or ,equlred to be provided unde, any workers' compensation law or similar law, E, CHANGES IN CONDITIONS The CONDITIONS are changed for FIRST PARTY BENEFITS as follows: 1, TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS TO US does not apply, 2. The fallowing CONDITIONS are added: NON-DUPLICATION OF BENEFITS No person may recover duplicate benefits for the same expenses or loss under this or any other similar automobile coverage Including self- insurance. '~ , .... -. ... -~ ., CoovriQht. Insurance Sarvices Qffica. tnc.. 1992 CA22371292 C ~ PRIORITIES OF POLICIES W. will pay First Party Benelits in accordance with the order o( priority set (orth by the' Act'. We will not pay il there is another insurer It a higher level 01 priorir(, The "First' category listed below is the highest level o( priority Ind the "Fourth" calegory listad below is the lowest level of priority, The priority order is: First The insurer providing bene (its to the "Insured' as a named Insured, Second The insurer providing benefits to the "insured" os I family member who is not a named insured under another policy providing coverage under the 'Act', Third The insurer of the "auto" which the "insured' is "occupying" at the time of the "accident", Fourth The insurer providing benefits on any 'auto" involved in the "accident' if the "insured" is: a. Not "occupying' an "auto'; and b. Not provided First Party Benefits under any other policy. If two or more policies have equal priority within the highest applicable number in the priority or. der: 1, The insurer against whom the claim is first made shall process and pay the claim as i( wholly responsible; 2. If we are the insurer against whom the claim is first made, our payment to or (or an "in- sured" will not exceed the applicable limit shown in the Schedule or Declarations; , 3. The insurer therealler .s enlltled to recover pro rata contribution !rom Iny olher insurer for lhe benef.ts paid and the COSIS of processing the claim. II controbutoon is sought among ,nsurers under the Fourth proority. prorallon shall be based on the number o( involved motor vehi. cles; and 4, The maximum recovery unde, all policies shall not exceed the amount payable under the policy with the highest dollar limits of bene. fits, F. ADDITIONAL DEFINITIONS 1, The definition of "lutO' in the DEFINITIONS Section is repleced by the (allowing: "Auto' means a sell. propelled motor vehicle operated or designed lor use on public roads. However, 'auto" does not include a vehicle operated: a, By muscular power; or b. On rails or tracks, 2, The (allowing are added to the DEFINITIONS Section; a. The" Act" means the Pennsylvania Motor Vehicle Financial Responsibility Law, b, 'Family member" means a resident 01 your household who is: (1) Related to you by blood. marriage or adoption; or (2) A minor in your custody or in the cus- tody 01 any other "(amily member', c. 'Occupying" means in, upon. getting in. on, out or oH, CA 22 37 12 92 Copyright. Insurance Services QHice, Inc" 1992 Page 3 of 3 0 G.nllal A,cidenl Insuranu Company o( Amerlta POLICY NO. CPP 0105313.07 BUSINESS DESCRIPTION Used Ca, Sales DESCRIPTION OF PREMISES COMMERCIAL PROPERTY COVERAGE PART DECLARATIONS EFFECTIVE DATE, 12/29/93 12:01 A,M , Slandard Tim. Suppl.ment.1 Dub"Uonl is .lIuhtd P.tlM. NO '1.00. NO LOC"'IOH, CON$lJlUCTlOH AND OCCUPANCY 1 1 1143 Harrisbu,g Pike, Ca'lisle, Nonh Middlelon Twp., Cumbe,land Co" PA (F,ame), Used Ca, Sales 2 1 480 Cornman Road, Carlisle, Nonh Middleton Twp" Cumbe,land Co., PA 1701 (F,ame), One Family Dwelling COVERAGES PROVIDED- IlIISUR....HCI AT THE DUCIUIIED PREMISES "'PLIES ONLY '011 COVERAGES FOR WHICH A LIMIT OF INSURANCE 15 SHO,*,.. PREM. NO. BLDG. NO. COVERAGE l.IhUT OIIHSUUMCI CCVEHID CAUSlS OF LOSS 1 1 Building $212,100 Special Form 1 1 Personal P'openy $25,000 Special Form 1 1 Glass Va,lous Breakage/Chemicals 2 1 Building $70,000 Basic Form COINSURANCE. 80% 80% 80% OPTIONAL CQVERAGES- ""lICABLE ONLY WHEN ENTRIES ARE MADE IN THE SCNEDUlf BELOW. AGREED VALUE PREM. NO. 8LDO. NO, IEXPUlUION O....TE COVERAGE AMOUNT I BUILDING ...w U1'RA DrENSE COVERAGE LIMITS ON LOSS PAYMliHT REPlACEMENT COST X) PERSONAL PROPERTY INCLUDING -STOCk" PREM. NO. BLDG. NO. IHFLA. nON GUARD (Puen."I) BUILDING PERSONAL PROPERTY hEXTENDED PERiOD Cf INDEMNITY (O'J1) uMONTHL Y LIMIT OF INDEMHITY (FIU,I..) 1-1-MAXIMUM PERIOD OF INDEMNITY (X) MORTGAGE HOLDER S PREM. NO. BLDG. NO. I, I +1-APnIES TO BUSINESS INCOME OHL) I " i MORTGAGE HOLDER NAME AND MAILING ADDRESS 1 1 See G5353 DEDUCTIBLE $250. EXCEPTIONS: See CP 1915 (07-88). FORMS AND ENDORSEMENTS FORMS AND ENDORSEMENTS APPLYING TO THIS COVE~AGE PART AND MADE PART OF THIS POLlCY AT TIM[ OF ISSUE: See Schedule of Forms and Endorsemenls, 079, anached. PREMIUM Premium (or Ihis Coverage Part $1,732.00 BRANCH Page -.! of-.! THESE DECLARATIONS ARE PART OF THE POl,lCY OECI,ARATIONS CONTAINING THE NAME Of THE INSURED AND THE POlley PERIOD. t:F 1sn '11.85) I~clu'" u,,'i(hlt4 mlllr~1 .1150 C.mmucill RiI. Su,icu, lie, .~h iI. ,umill;'''. C.",it;k" ISO C.mmucid Riek Slnicu, lie" IU), IIn General Accident Insu,anu Company of America THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. POLICY ENDORSEMENT FORM Endor..ment Number 1 POLICY NUMBER ENDORSEMENT EFFECTIVE' 12129/93 COMPANY Gene,al Accidentlnsu,ance Company 01 America CPP 0105313.07 NAMED INSURED Ca,lisle Auto Plaza, Inc. 1143 Ha,rlsbu'g Pike Cumbe,land County Ca,lisle, P A 17013 AUTHORIZED REPRESENTATIVE Fickel Ins. Agcy, Inc. J, Rodney 427568 151 W High Street Box #1 Ca,lisle, PA 17013 COVERAGE PARTS AFFECTED Comme,cial P'operty Comme,claJ General Uabllity This .ndorsemenl is subtect to all the ag,eements. conditions and hcluaiona 01 the policy. The poltcy is amended IS indlealod betow. In consideration of the $296.00 additional premium charged, it is hereby agreed that the policy is amended as follows: Location 2 is added for Property Coverage and General Liability Coverages per attached,CF 150 << CL 150. . ., Additional Insured is added per attached CG 2027. Pro Rata Factor = .704 Revised Annual Premium $2,001.00 . 0/ ~4' ~/~1' ./{j 1YS <; .Unlo$$ otherwise staled erfective from 12:01am Standard Time al your mailing address Date and Place o( Issue: 01/03/94 CAMP HILL G-5353 (02-92) fit- Page !.... o( 1 Authorized Representative Signature Inciudes copyrighted material or ISO Commercial Risk Services, Inc., with its permission: Copyright, ISO Commercial Risk Services, Inc" 1983 BRANCH POLICY NUMBER C 02.J637-0B COMMERCIAL AUTO THIS ENDORSEMENT CHANGES THE POLlCV, PLEASE READ IT CAREFULL V. FALSE PRETENSE COVERAGE This endorsement modif,es insurance prov,ded under the fOllow,ng GARAGE COVERAGE FORM This endorsement changes the policy effective on the incept,on d~te of the policy unless another date is indicated below, ~~d~~~~~t effective Named Insured Carlisl. Auto plaza, Inc. Countersigned by (Authorized Representative) Limit of Insurance - s SCHEDULE 525.000 unless another limit is shown below or in the Declarations, limit of insurance, Named Location No, From ITEM THREE of the Total Inventory Value Dealer's Supplementary Schedule For each Named Location Rate Premium 5 . 5 50,000 .~ -295-.00 2 5 5 5 3 5 5 5 IIf no entry appears above, information required to the Declarations as applicable to this endorsement) A. COVERED AUTOS is changed by adding the following: Any "auto" you have acquired is a covered "auto" under False Pretense Coverage. S, PHYSICAL DAMAGE COVERAGE is changed as follows: 1. The following is added: We will pay for "loss" to a covered "auto" under: False Pretense Coverage. Caused by: a. Someone causing you to voluntarily part with the covered "auto" by trick. scheme or under false pretenses, b. Your acquiring an "auto" from a seller who did not have legal title. 2, EXCLUSIONS is changed as follows: a, The False Pretense Exclusion does not apply. b. The following exclusion is added: The insurance under paragraph B,l.a, of this endorsement does not apply unless: (1) You had legal title to the covered "auto" prior to "loss:" and ../ CA 25 03 01 87 ~ / EXllIl3rr'r complete this endorsement will be shown in (2) You make every effort to recover the covered "auto" when it is lo- cated, 3. LIMITS OF INSURANCE is changed as follows: e, The provisions applicable to "auto" dealers apply to False Pretense Cov- er age, b, Under False Pretense Coverage. s25.000 is the most we will pay for all "loss" caused by anyone person within anyone year of the- policy period unless another limit is shown In the Schedule. 4. The DEDUCTIBLE provision is changed by adding the following: From our obligation under False Pre- tense Coverage. we will deduct the ac- tual value of any property delivered to you in full or partial payment for title to or possession of a covered "auto," C, The following is added to the DUTIES IN THE EVENT OF ACCIDENT. CLAIM. SUIT OR LOSS Garage Condition: You must obtain a warrant, as soon as practicable. for the arrest of anyone causing a "loss" defined within the False Pretense C?verage, . 1985 . , CARLISI.!' AlITO 1'I.,\lA, 1'.;(' , I'I.EAS aJkla C,\RS BY (jETTLI'. 1'(' , lll1d ERIC J WII',m IN Till' COI '1\1' OF ('0\1\10" ('l'~lIlmL:\ND COI"'I'Y I'lainliff v "0 'lX-b)4X GENERt\l. ACCIDENT INSlJRA:'\CI' COl\1I'ANY OF Al\IERIC:\ ami J:\ Y RODNEY FICKLE INSURANCE /\GENCY,I:'\C CIVIL ACTION - LAW CERTlFICAn: OF SERVICE I, Eric J. Wicncr, do hcrcby ccrtify Ihat I scrvcd an originalofthc lorcgoing Documcnt, pursuant tol'aKC.I', 1\0, 237.4. 10 thc lollowing via first class mail. G, Thomas Millcr, Esquirc Millcr & Millcr ) 13 Locust Street PO. l30x 709 Harrisburg, I' A 17108-0709 Douglas B, Marcello, Esquire Thomas, Thomas & Hafcr 30) North Front Strcct 1',0, Box 999 Harrisburg,I'A 17108-0999 _______ //"/..-- / /' /..--' (:...-./- / l3y: L:::. Eric J. Wicner 2./'1 / ~'-tt-() Dated: CARLISLE AUTO PLAZA, INC, a/k/a CARS BY GErl'l.E, IN<'. and ERIC 1. WIENER, IN TilE COURT OF COMMON I'LEAS OF CUI-.IIlERLAND COUNTY, PENNSYLVANIA Plaint ins NO. 'JK-654K v, GENERAL ACCIDENT INSURANCE COMPANY OF AMERICA and JAY RODNEY FICKLE INSURANCE AGENCY, CIVIL ACTION - LAW JURY TRIAL DEMANDED Defendants , 'PRELIMINARY OBJECTIONS OF DEFENDANT, GENERALACCIDENT . ,,' '." " , "lNSlJRANCE COMPANY l'()PLAINTIf1FS' COMPLAINT TO: THE HONORABLE JUDGES OF SAID COURT AND NOW COMES Defendant, General Accident Insurance Company, by and through counsel, Thomas, Thomas & Hafer, LLP, and Douglas B. Marcello, Esquire, and hereby files the within Preliminary Objections to Plaintiffs' Complaint and in support thereof and avers as follows: I. Plaintiffs filed a Complaint against Defendant in the above-captioned matter. 2, Plaintiff asserts that he is entitled to coverage under a policy of insurance issued by Defendant. 3, Plaintiffs' Complaint fails to provide a basis upon which he is seeking payment or asserting a claim against Defendant, General Accident Insurance Company. 4. Plaintiffs' Complaint tails to specify the basis for which coverage is alleged and/or the nature of a loss Ihat is allegedly covered by the policy, 5. Plaintiffs', at various times, appears to allege that proper coverage was not obtained by the agent, and has in fact asserted a claim against the agent for the failure to obtain said coverage. 6, General Accident requests this Honorable Court to order Plaintiffs to more specifically plead as follows: a. The nature of the loss for which a claim is made; .'~ i I i I I , II '( , .,i'; I I CARLISLE ,\lITO PLAZA, INC ,aMa CARS flY (jETTIE, INC allllI'RIC J WIENER. IN TilE ('OIJRT OF CO:\I:\lON PLEAS OF ("l1:\lIIERLAND COUNTY. PENNSYLVANIA ,"" NO I)H-l>S4X Plaintilrs \' CIVIL ACTION - LAW GENERAL ACCIDENT INSUI{ANCE COMPANY OF A:\IERICA and JA Y RODNEY FICKLE INSl1R,\NCE AGENCY, JUR Y TRIAL DEMANDfD Defcndants fi:, . " 1" .1 ORDER AND NOW, this _ day of . 1999, upon consideration of thc Prcliminary Objections of Defcndant, General Accidcnt Insurance Company to Plaintiffs' Complaint, it is hereby ordered and decrced Ihat Dcfcndant's Prcliminary Objections are granted and Plaintiffs arc hereby directed to lilc an Amended Complaint within twenty (20) days hereof BY THE COURT: J. "! I , C,\RI.ISI.E ,\Fro I'I.,\Z,\, l:"ie. alkla (',\I{S IIY (iETTEI.. I:"iC. and ERIC ,I. WIE:"ilm. l'lailllil'l's IS TilE COURT OF COMI\ION "LEAS CU:\IIlERI.AND COUNTY, PENNSYL V ANI,\ CIVIL ACTION - LAW \'. NO. 98-6548 GENER,\L ACCJJ>E:"iT INSURA;,\/CE CO:\II'A:"iY OF A:\IERICA and .1, RO()j\;EY FICKEl. I:'IISURANCE AGE:-.iCY.INC.. .JURY TRIAl. DEMANDED I)cl'cndanls ANSWER TO CO:\II'I.AINT WITH NEW MATTER AND COUNTERCLAIM BY DEFEN()'\NT ,J, RODNEY FICKEL INSURANCE AGENCY, INC. 1. Admiued. 2, Denied in part. The allegations identifying the corporalc plaintiff are admitted, except that the name "Genel" is incorrectly spelled, After reasonable investigation. Defendant is withllut knowledge as to the alleged agency relationship, or other relationship, between said corporation and Plaintiff Wiener. the means of proof thereof being within the exclusive control of advcrse parties. and. strict proof is therefore demanded, if material and relevant 3. No response required from Answering Defendant. 4. Denied in part. in that the correct name of the Defendant corporation is], Rodney Fickel Insurance Agency, Inc. (Fkkel Agency), 5, -9. After reasonable investigation, Fickel Agency is without knowledge or infonnation . sufriciel1l to admit or deny each and every allegation stated in each of these paragraphs, and therefore. each and every allegation of each and every of said paragraphs is denied and placed at issue, and strict proof thereof is demanded, if material and relevant. (,Oil NT I III l'ara~ral'lI' I Ihl,,'u~h 'J, ahovc, arc incorporalcll hy rcfercncc. II. Dcnicd ;1' plcaucd, The ,uhjeet policy pcrioll, as shown on thc lirst pagc of bhihil "D", was from Scplcmhcr 12, 1l)l))ulllil Scplcmhcr 12, 1994. It is admillcd thatthc Fickcl .\~cnc)' placcd ilNlrancc Cllvcrage for Carlislc AUIn Plaza, Inc. ("Carlislc"). Exhihil "D" spcak, till' itsclf and no rcsponsc is nccessary as 10 I'laimiffs' c1mraclcrizalion thcrcof. 12. Dcnicd. Said cndorscmcnt pcrtaincd to a scparatc gencralliahilily policy and not . thc pollc)' rcfercnccd as Exhihit "D". Sai~ cndorscmcm provillcll propcrly covcragc anll gencral liahilil)' Cllveragc for I'aol GClld's inllivi~u;lily owncd rcal cstatc situatc at 480 Cornman Road. Saill real cstatc was nol hcing uscd or occupicd inthc husincss of Carlislc Auto Plaza, Inc, The garagc policy, Exhihit "0", did not provi~c any COVl:rage for Ihc 480 Cornman Road propcrty, 13. Dcnicd. Ancr rcasonahle investigation, Fickel Agency is without knowledge of thc trulh or prccise mcaning of saill avcrmcnts and thcrcfore lIcmands strict proof, if material and rclcvam 14. Dcnicll in part in that Fickel Agcncy lIid not, at or about the date specified, advise . Carlisk that Gcncral Ikcidcl1l did nO! provide false prctcnsc coverage or that there might not he lIc1cetivc titlc Cllvcragc for thc subjcet vehicle. Any such notice would have originated with Gcncral Accident and would havc hccn sem directly hy the Company to Carlisle, 15. Dcnied in pari in that Fickel Agency, aner rcasonablc investigation, is without knowlcllge of Mr. Gelle1's awareness of Carlisle's insurance coverage, and strict proof is thcrefore demandcd of sllch allcgation, if material and relevant, However, in fUrlher answer, 2 ."11'. (il'lId, he,;,u,'e of hi, presumed and required /:uniliarity wilh Ihe terms of said policy, and wilh I'lel'ltlUS similar ~arage I'tllid"s furnished Carlisle hy Fidel Agency fill' at least Ihe five pre,eding )'ears, knell', or reasonahly should Imve known, the extent and nalure of the coverages I'rtll'iJl'l1 as well as the ptlssihle and availahle commcrcial coverages which he had either 'declined or ntll elc<:led 10 purchase. It is admilled Ihar Carlisle purchased false prelense col'crare on or ahtlul Ihl' dare aWITI'd, 16. AI""r rl'asonahle investig<ltion, Fickel Agency is without knowledge of the truth of Ihese avermellls, and strict proof is therefore demanded. if malerial and relevant, 17, I'lailllifrs allegation as to the relmionship between Carlisle and Fickel Agency is a conclusion of law IHlI requiring response, In Ihe alll'rnative. it is denied Ihat a COlllraclual relationship existed hl'tween Carlisle and Fickel Agency, and the remaining allegations are also denied, Fickel Agency, for the subject policy year, and al least five prior years, provided Carlis,," thl' full and compll'te insurance coverage requested by Carlisle, and each year, inclUding the policy Yl'ar in qUl'slion, personally delivered to Gelle/' as Carlisle's principal officer, a garagl' policy sl'lling ti".th the lenns, eXlelll and conditions of such coverage. 18. Denied, The allegalion of a Contractual agreemenl is a conclusion of law not requiring response. In Ihl' alternative, Fickel Agency did not breach any contractual agreemelll with Carlisle because no such agreemelll existed, Further, Fickel Agency provided Carlisle the full and complete insurance coverage which iI requesled. False pretense coverage was nOI reqllesll'd hy Carlisle. nor did Carlisle, by Gellel, ever make inquiry about coverage for a loss which might bc ol'casioned by a defective vehicle title or by the acquisition of a sial en vehicle, 3 )~ars, ('arlis'~ h"d "II ;tllinllalive dUI) 10 r~;td Ih~ polK) aud is presumed III have known Ihe terms. eXle/1I allll ,'IIl1dilions Ilf Ih~ varillu, eovcrages, :lIId Ihal said polil.:y did 1101 provide any coverage for '"SS o,,,'a,ioned hy false prelenses. or h) defcelive vehicle lille, or hy purchase or aequisililln IIf " sloit'1I vehicle, Ihus harring Carlisle's claim for Fickel's alleged failure III providl' such c'''er''g~, 17. Carlisit'. for at least five years prior 10 Seplemher 12. 1993, had ohlained g"";lgelllen',s li;,hili/) I'olicie,s fwm Fickel whidl were idelllical in allmater;:.1 lerms wilh the suhjecI policy and C"rlisle Ihus kllew, or should have known, Ihat false prelense covemge was not prllvided h) said lilrmer policies, or hy Ihe suhjeel policy. 28, For Ihe reasons slaled in Panlgraphs 26 and 27. ahove, Carlisle's claim againsl Pickel IS harred under Ihe prilldples IIf estoppel and waiver, 29. Carlisle is making a claim against Eric Insurance Exchange for the same loss pleaded inlhis aelionunder a eenain policy or policies of insurance which Carlisle contends are applieahle. and which claim is prexemly hdng litigated in Ihe Court of Common Pleas of Dauphin Counly, Pennsylvania at No. 6l9-S-1997: if Carlisle prevails in Ihat action, either by trial 01' selllemenl. il will be harred from any recovery against Pickel in Ihis action, ." 30. Allhe lil.ne of personal delivery of Ihe subject policy, and its predecessor policies, 10 GenI'I as Ihe principal officer of Carlisle, Pickel Agency's representalive on each such ;: occasion reviewed wilh Gellellhe coverages provided by the policy and solicited questions from Gellcl as tll Ihe lel'lns, condilions and coverage of each policy. During such annual encounters, Gellel never made any inquiry aboul defeclive tille or stolen vehicle coverage, nor did he ever '..'1 . :~ d. jo ~. 5 WIfERI";()RE, l'i~kcJ Ag~n~)' "~lIIaIllJsju"gm~nl againsl Carlisle an" Wicncr fill' a sum in ~\CC" III' $35,000. ami "~man"s trial hy jury, MILLER and MILLER B<:-==:~ "'''-'I l.k C~QIJ----- G, Thomas MilicI' I.D. #7219 1'.0. Box 709, f f3 LOCUSl SI. Harrisburg, I' A 17108-0709 (717) 232-0750 DATE: 'LJ~? )(>0 Attorneys for Defcndant, J. Rodney Fickel Insurance Agency. Inc. 7 , " ~ ( CARI.ISLE AUTO PLAZA, INC , alk/a CARS BY GETTLE, I1\C , and ERIC J WIENER IN '1'111' COllin OF COMMON PLEAS ('(ir\IIlERLA1\() COUNTY Plaimit'!' v, No fJS-65-1S GENERAl. ACCIDENT INSURANCE COMI'ANY OF AMERICA and JA Y RODNEY FICKLE INSURANCE AGENCY, INC. CIVil. ACTION -LAW f~;. ., REPLY TO NEW MATTEH ANI) ,\NSWEI~ TO COIJNTEI~CL,\IM AND NOW, comes Eric Wiener, Pro Se, and <IS the <lssignee of <illY and <III rights of Carlisle AUIO Plaza, Inc., alk/a, Cars By Gettle, Inc, and replies 10 New Matter <lnd Counterclaim as tallows: 24, The averments of Paragmph 2-1 arc conclusions oflaw to which no <!; je," response is deemed necessary, If a response is necessary said averments are denied 'I,' :1 and strict proof thereof is demanded at trial. 25. The averments of Pamgraph 24 arc conclusions oflaw to which no response is deemed necessary. If a response is necessary said averments are denied and strict proof thereof is demanded at trial. 26. Admitted in part, Denied in part. While it is admitted that Carlisle was furnished a copy of the subject policy, it is denied that Carlisle had an affirmative duty to read the policy and is presumed to have known or understood its terms or that the policy did not provide loss coverage lor false pretenses. To the contrary, Carlisle was relying on Fickle to obtain full and complete coverage for the automobile business and Carlisle was unaware that Fickle had breached said duty. " 27 Denicd ,\Her r,'as"nahle inH'sti!,tll1ion, C;,r1islc is unahle 10 know lhe avcrmcnts ofl'alil!,tral'h 27 rc!,tllfllin!,t ~ ycars, how lon!,t Ihcrc was covclilgc ohlained hy Fickle or whclhcr thcv were idcnlkal The r,'mainin!,. avcrllll'nls arc conclusions ol'law which nced nol he replicd tolllll\evcr. if a rcply is dccmcd nceessary. said avcrmcnts arc dcnicd and proof dcmanded altrial thercof 28, The avcrmcnls of Paragraph 2./ arc conclusions of law 10 which no rcsponsc is dccmcd nccessary, If a rcsponsc is nceessary said avermcnts arc dcnied and stricl proofthcrcofis demandcd at trial, 29, Admilled, in pan, It is admillcd thai Eric J. wicncr, as assignce of Carlislc. is making a claim against Eric Insurance Company, II is averred Ihat Mr. Wiener. in fact, requested that counsel for Defendant hold this matter in abeyance untillhere was a determination of the alorementioned action to which counsel for Defendant refused and demanded a Complaint be tiled, 30. Admilled in part. Denied in part. While it is admilled that the tickle agency delivered the subject policy. it is further admitted that Gettle never made an inquiry about defective title or stolen vehicle covelilge, as he presumed that he was fully covered by the policy in question and that Fickle was under a duty to explain that there was not coverage for said instance. Further, the averments of this paragraph are conclusions of law to which no response is necessary. COLJNTERCLlAM 31, The responses to paragraph 24-30 are incorporated herein by reference thereto. ~ o ~ vn~I""('''TI():-; I. Eric J Wil'ncr, verify Ihal1l1l' inl'lIll1alion conlained ialhe I"rcgoing doclll11elll i, line amll'llITecl 11Inde"lamllhallill,e ,lalel11l'nl> herein are l11alle slIhje<:llolhe penahil's of IX 1'01 (' S:\ * .l')()~, relaling 10llll'\\OIlII,d,iii<:alions 10 alllhorities l , Dm, 3/,!_~ c:::2:~_. Bv . 1:;icJ-\Vi-ner~-------------'-- "... !:.' ;~. . l r; f 1', ,"',.' v." f( I,: , I" ~. It':' CC I .: t :\ C/\RI.ISI.E A(lTO PLAZA, 1\;(' , a/k/a CARS IIY (iETTlE. 1\;1' , and ERIC J WII,\;ER I' TilE 1'01 'ltl OF (,O\I\IO\; I'l.h\S ('( '\fIIERI.\\;!> ('01 '\;TY I'lairuill' v \;0 IIX-hS.IX GENERAL ACCIDENT Ir"SlJRAN(,E COMPANY OF AMERICA and j,\ Y RODNEY FICKLE INSURANCE AGENCY. INC ('1\'11 ACTIO\; -LAW \IOTlO;'li FOR A STA' TO TilE HONORAIII.E cm iln Thc undcrsigncd, Pro Sc. tilcs a MOlion Illr a stav tllr Ihc Illllowing reasons: I, A Writ of Summons was tilcd to toll thc Statutc of limitations in thc abovc mattcr pcnding a rcsolution of a companion casc in Dauphin County against a diffcrcJ1l insurancc company. 2, A rccovcry against thc othcr casc. dockctcd to No, b I 9-S-19'!7 would moot the claim to the above captioned mattcr, 3. On or about Fcbruary 10, 2000. a Compliant was tilcd and an Answcr to I: I., ~:;.: . I..,' ;1~ With New mattcr and Counterclaim was tiled on Fcbruary 25. 2000, 4, Today, A Rcply to Ncw Mattcr and Countcrclaim is bcing tilcd. ~.., ~i" ~" fi 5, Also rcceived today wcre Preliminary Objections tilcd by Detendant, General Accident Insurancc Company, to Plaintiffs Complaint. 6, Plaint ill Eric j. Wiencr has bccn ordered by Judge Vanaski. in the Fedcral US District Middle Court to surrcndcr on March 20. 2000. lor a tcrm of incarceration ';., of,;, lor Iitleen (15) months, i >);;~ :',~ "\ "~. '~~i:<:!!')ii:'t'r~;;:~,:: ~I\ . , ""...,., ..' l''''O~\l'. ' '."H"'",''''"',, n' ." .io<', "0"."1'''''' ,,~~~,. "~o~ '.'...' --.)' .',' "~\~" I)S'l u , ,;~",,/:")' ',,3\.0(",0,/-709 0709"),,,61 ,..'pO,$ ",0'0 .11')' .. , . ,....nl\W,.l' f'i~ ,\,\J'~'\S '\,\ ,.n.....' .,,' \' \..... 'I"~',~." ~.,1~'\\' .~ en ...... b~ '" [;: ..'-: C;; ..") ~ C ;~) ~ tJ.I.. ~j: ( ., ~ " ...:'-'. ": ~~~ L- 0... ':. ;1)1" ," ,,) ., 1 .~ ;:: tt~~ " .:\\1 ;:L.;' .. ~'. ! ~.:... t, 0 :.) (,;J CI () .' ,"'.<:-.' -- - . lli,WOf1'rCt: MtLLfR AND MllUR 113LOCUST STRlET P,O. BOX 701 HARRlseURO. PA 17101.070. ""phone lit 7J 111-01500 '11II un, 212.1)01 ":::::::.-=-=J , 'j' " , c'\IU.ISLE AlTO I'J.,\ZA. I:\C. a/l,/a ('AI{S II\' (;E'I''I'Io:I.. 1:\(', mill EI(((' ,I. WII':'iEIl, I'lainliJ'l\ IS THE COllin OF COMMON PLEAS CU:\IIlEIU.A:\U COlI!';TY. I'ENNS\'LVANIA CIVIL ACTIO:\ - LAW \, :'\iO, 911-65411 (;E:\EI{AI. AlTIIlE:\T I:\SI;RA:\CE CO:\II'A:\\' OF A:\IEIUCA mill J. RODNEY FICKEL I:'iSURANCE AGENCY. ,ICRY TRIAl. UEMAi'iDED 'Il'fl'lIllanls DEFENIMN'I' J, RODNEY FICKEL INSURANCE AGENCY. INC.'S ANS\\'!~R TO PLAINTIFF WIENER'S MOTION FOR STAY I. It is adnlltt~d a Writ of Summons was tiled hy Plaintiffs on Novt:mber 17. 1998. It is sp:eilkally dcnicd su,h aelion lollcd the stalUle of limitations. Regarding the balance of Ihc avc,mcnt. aftcr rcas"nahlc invcstigation. Dcfendam 1. Rodney Fickcllnsurance Agency,lnc. is .Wilhllul informalion sufficienl 10 admit or deny Ihis statement. which is therefore denied. J Admilled, hased on information received from Plaintiff. However. Defendant J. Rodne) Fickel Insurance Agency, Inc. has also heen informed and therefore believes Plaintiff has alsll sought a Sl:ty in Ihc companion Dauphin County case. 3. Admillcd, '.. It is admilled PIHinlilT's Reply to New Maller of Defendam J. Rodney Fickel Insurance Agency. Inc IVas received on March 6, 2000, 'i. It is admilled Preliminary Objections to Plaintiff's Complaint were filed by Defendant General Accidenl Insurance Company on Fchruary 25. 2000. (" Admittcd on iuforlllalion and belief. i Ii I' adnllll~d Ihal Plainliff Wi~n~r is r~4u~sling lhi, mallcr hc slaycd for a pcriod III' '~Ilnl~~n 1171 In"lnh" ,"mm~ncing March 20, 2000, 1\ i, dcnicd such rcqucstcd rcli~f shlluld h~ grant~d Plainlll I' 1'01' th~ rollowing r~a'ons: lal Plainllll Eric \Vi~ncr is pro sc and thcrclilr~ docs not necd to confcr with any aIItII'lH:Y: Ihl Plainliff Eric Wien~r is a train~d allol'l1~y, was a membcr of tbc har and pra,lic~d law 1'01' morc than tcn (10) ycars: ror this rcason hc is not thc lIsual pro Sf.: inc:ln.:cratcu litig.ant; ICI "II fedcral prisons havc law Iihrarics and providc prisoncrs access 10 typcwriters, telcphoncs, unlimitcd correspondcncc. CIC,: Id I Plaintifr will be pcrmillcd 10 havc availablc to him in prison all of his filcs in Ihis mallcr: Ic) The inddcllls complained of occurrcd in 1993 and 1994. or at least six ycars ago, Ilcfcndalll will hc prcjudiccd by a fUrlhcr delay of sevcnteen (17) molllhs or mor~, Alr~ady thc mcmorics of wil11csscs arc hcclJl11ing c10udcd and inaccurale with Ihc passagc of timc. DcfcnJalll's carricr should not bc rcquircd to kccp its rcsel've opcn for sevcn or eight years: (I') PlaintitT will have plcnty of timc in prison to manage this case; Ig) I I' Plaintiff's prescnce is required at dcpositions 01' appearance at trial. this call h~ arranged by application to thc COUrl for a writ of habeas corpus ad tcstificandum. In the cxpcriencc of Dcfendant's counsel, tbe Middle District 2 ?;: C"> ~ ~ M UJ~ M 0~ . _.~ 0'. :c '~;;: fCc, .>::(.1: 0- ~:::j ~8 ._- In '-~~:; , ,- ,~,..- '" ~.5(6 fl:LlI .:x, ...:: ~~('- .,.. ::<:: u_ 0 3 " 0 0 - LAW OfFICES MILLER AND MILLER: 113 LOCUST STREET , P,O. BOX 709 HARRISBURG.PA 1710B.0709 Telephone (117) 232.0150 Fax 17'" 232.1302 CARLISLE AUTO PLAZA, INC, alkla CARS BY GETTEL, INC, und ERIC J. WIENER, Plaintiffs IN THE COURT OF CO:\I:\IOS !'LEAS CUMBERLAND COlJNTV, I'ESNS\'LVANI,\ CIVIL ACTION - LAW v, NO, 98-6548 GENERAL ACCIDENT INSURANCE COMPANY OF AMERICA und J, RODNEY FICKEL INSURANCE AGENCY, INC., JURY TRIAL DE:\IANDED Defendunts ORDER AND NOW this _ day of , 2000, upon considcration of Dcfcndalll J. Rodncy Fickel Insurance Agency, Inc.'s Motion for Judgmclll on thc Pleadings, Bricfs of thc parties and argument thereon, IT IS ORDERED said Motion is GRANTED. Plaintiffs' Complailll as 10 Dcfcndant J. , Rodney Fickel Insurance Agency. Inc. is hereby dismissed, BY THE COllRT: I I J. t :1 .'". .' ,~', 6. A comprehensive generalliahility endorsement was al!l!el! effective Decemhcr 29. 1993, wvering I'l;limiffs' husinesses OIl 1143 lIarrishu'l! Pike anI! 480 Cornman Roal!, Carlisle, Pennsylvania. (Complainl. Exhihit E). 7. I'lailllilTs' Complailll appears to allege a claim against Defenl!ant Fickcl for failing 10 providc "full anI! complctc coveragc" (paragmph 18), anI! in failing to providc "falsc prctcnse covcragc" (!.!L.I rcgarding Plaintiff Wicncr's purchasc of a stolcn 1994 Jccp Grand Chcrokcc on or ahout July 12. 1994, 8, Plaintiff Wicncr, as the assignec of Plaintiff Carlislc Auto Plaza. asscrts "On or about Septembcr 20. 1994" thrcc cvcnts took place: 1. Carlisle Auto Plaza, Inc. (hereinafter Carlisle) notificd Dcfendant Fickel of a potcntial claim rcgarding the purchase of the stolen 1994 Jeep; 2, Dcfendant Fickcl presented a claim to Dcfendant Gencral Accident regarding this purchase. and; 3, Dcfendant Fickel "advised Carlisle that Defcndant General Accident did not have false pretense coverage" and that the "defective title of that vehicle might not be covered." (Paragraph 14). 9. As a result of being advised by Defendant Fickel that false pretense coverage was not included in the subject policy, Paul Gettel, the CEO of Carlisle, obtained this coverage, effective October 20, 1994. (Paragraph 15, Complaint Exhibit F). 10. Plaintiffs' fault Defendant Fickel for "faiHingl to provide full and complete coverage and as a rcsuh, fa i Iring 1 to provide false pretense coverage which should have been provided to cover a loss that actually occurred." (Paragraph 18) (Emphasis added). 2 II, In Count II against co-defendant General Aecide11l, Plainliff slates: "The amendme11l for 1:i1se prelenses (referring 10 the October 20, 1994 endorseme11l ohlained hy Paul Gelld) was, in fact, after Ihe claim was tiled, and therel{)re, this claim is not directed toward that amendment." (Paragraph 21). 12. It is clear Plaintiffs knew a claim existed ;lI1d that there was no coverage for the claim before the October 20, 1994 endorsement for false pretense coverage was added to the subject garage policy, pursuant to Paul Gellel's request. 13, Plaintiff knew Defendant had not "fully insured Carlisle" on or about September 20, 1994, at the time the claim was denied, and therefore Plaintiffs had actual knowledge of Defendant Fickel's alleged breach at this same time. 14, However, Plaintiffs also had constructive notice regarding Defendant Fickel's failure to provide false pretense coverage, on or about the time the subject policy was issued on September 12, 1993, based on the clear and unambiguous policy limitation which excluded coverage for a loss to a covered auto caused by "your acquiring an 'auto' from a seller who did not have legal title." (Garage coverage form, Section IV, Physical Damage Coverage, Exclusion Number 3 "False Pretense", Page 9 of 14, copy allached), 15. The applicable statute of limitations, 42 POI. C,S.A. ~5525, requires an action upon a contract founded upon a writing or upon an express contract not founded upon an instrument in writing (i.e., an oral contract) to be commenced within four years. 16. Plaintiff's cause of action for the alleged breach of the insurance agreement, either wrillen or oral, by Defendant Fickel as a result of his failure to endorse the subject garage policy 3 with false pretense covcragc, should haw hccn commenced prior to Scptemhcr 20, 1998, or arguahly, prior to Septemher 12, 1997, 17. Plaintiff's Novcmher 17, 1998 causc of action is therefore timc harred and must be dismissed, WHEREFORE, Defendant J. Rodncy Fickel Insurance Agency, Inc.. respectfully requests that this Motion for Judgment on the Pleadings be sustained and Plaintiffs' Complaint dismissed as to this Defendant. MILLER and MILLER By: ait Thomas . Miller LD. /14 801 G. Thomas Miller I.D. /17219 1'.0, Box 709, \13 Locust St. Harrisburg, PA 17108-0709 (717) 232-0750 Attorneys for Defendant, J. Rodney Fickel Insurance Agency, Inc. DATE: March 21. 2000 4 Ii i I I I , '! " I L 'Ii I: I! , i! I i I I I I ; I Ii I i ) i " I I I I: I I' ! Ii I I: I j. I " I I . I i 2. Towing - Non-Dealars Only, If your business Is shown In the Decleretlons es something other then en "euto' dealership, we will pay up to the Iimll.hown In the Dec- larations for to\ylng and labo, costs Incurred each time e covered '"aula" ~f the p,ivate passenger type is disabled. However, the labor must be perfo,mad et the' place of disablement. ' ' 3. G'lass B'eakag~ - Hitting a Bird or Animal - Felling 9bjects or ~I~~"es; . ' If you carry Cpmprehensive Coverage for the demagedcovered "auto;, .we will pay for the following under CompTahensive Coverege: a. Glass breakage; b. "Loss" caused by hilling it bird or animal; and :" c, "Loss" caused by (all1ng obJects or mis- siles. \ However, you:have ihe optlon,of having glass 'breakage caused by a covered "auto's" colli- sion or oyerturn considered a 'loss" under Collision Coverage,: 'I' , . , 4. Coverage Exte'nsion: If your business is shown in the Declarations as something, ottler ,tl)an an "auto" dealersh!p, we will p~y up ,'0 $16 per day to a maximum of $~50 for,lransporta. t10n expense Incurred by'you because '~lf the total theft' of a covered 'auto' of the'"prlvate passenger'type, We will pay orily for those covered "autos' for which you carry 'either Comprehensive or Specified ,Causeli 'of Loss Coverage. We will pay for transportation ex- penses incurred during the period beginning 48 hours after ihe theft and ending, r,egardless of the policy's explraiia;" when ,the' covered "auto"' is returned'to use or we pay for Its , "Ioss.,, 8, EXCLUSIONS ,1. We wiH".no,t pay ,for "loss'" ~aused qy or re- sulting from any qf the fOllOwing. Such "loss" is exc!~ded reg~rdless ofllany, other ca~se or event that contnbutes concurrently or In any sequence'to the 'Ioss", ' a. Nuclear Hazard:' " I, (1) The explosion of any weapon employ- ing atomic fission or' fusion; or , (2) Nuclear reaction or radiation, or radio- active contamination, however caused, CA 00 05 06 92 CA 00 06 06 92 b, War or Military Action, (1) War, Including undeclared or civil war; (2) Warlike action by a military (orca, in, cluding action In hindering or defend. Ing egalnst an actual or expected attack, by any government, sovereign or other' authority using military per. sonnel 0' othar ageol8:'o, (3) Insurrection, rebellion, revolution, usurped power or action taken by gov. ernmental authority in hindering or de. . (ending against any of these, 2, We' 'will nof pay for "loss" to sny of the fol. lowing: e. Any covered "auto' leased or rented to othe,s unless rented to 'one of your cus. , tamers while their "auto" is left with you for service or repsir, b. Any covered "auto' while used in any "pro(esslonal 'or organized racing or demo- lition contest'oi 'stunting', activity, We will 'also not, pay, for '.Ioss" to eny,covered "auto" while being prepared for any such event. I , c, Tape ,~e9ks ,or other sound r~producl~g equipment unless permanently Installed In a covered "auto", d. Tap.~s, reCOrds or ot~er spun~ reproducing deVices designed for use With. sO!lnd reo producing equipment. e, Sdund receiving ,equ!pmll,Ot"designed for use as a' citizens" band ra'dio, two.way mobile rad'lo' Or' telephone or scanning monitor receiver, including its antennas and other accessorles;"unless permanently inStalled In the clash "qr. cQ(lsole opening np!mally used by the, ~aUI?: manufacturer I forl.he f.nstalla,tio(l. of Ii, radiO, fl, Equipment' designed 'or' used for the de. '. tectlon' or locatiori'of radar; 3,' False,prlltihse:'we ~i11 ,not pay for."'oss' to ,acove,!e~ ~utp,~, ca,useq by or res4ltln9 from: a. -Someone .causlng you to voluntarily part .' with il by trick or,~cheme or under false pretenses; or b, Your acquiring an "auto" from a seller who did not have legal title. 4, If your business is shown in the Declarations as an 'auto. dealership, we will not pay for: a. Your expected profit. Copyright, Insurance Service~ QHice, Inc., 1991 Page 9 of 14 0 "- L/" r: i~ C": ;:: :") ,1; r C-~ U ) . , ( ." , '- c... -j () , ,. ...,. ~,) C'.' I " l~-. C. ! ~lj " 1.:J ~j 1...) .:7") <.J I'RAECII'E FOR J.JSTlNG CASE FOR ARGUMENT (:"Iust Ile t)pewriuen lInd sullmilled in duplkllle) TO TIll' I'RlJIIIlINIII/\RY IIF l'lIMIII'RLAND ('OIINTY: Please list Ihe wilhin mailer lilr the next Argument ('ourt. --..-----------.----...--..--------.............--......---......----.-.--..------.-.----------.-------....-..... CAPTION OF CASF (enli,e ,'aplion 11111S1 Ile 'Ialed ill 1'1111) CARLISLE AlITO I'I.AZA. INl'. :t'k/a CARS BY GETTEL. INl'. and ERIC J. WIENER. Plaintiffs "S. GENERAl. ACCIDENT INSURANCE COMPANY OF AMERICA and .I. RODNEY FICKEL INSURANCE AGENCY, INC. Defendants No. 98-6548 Civil 1. Slate mailer to Ile argued (i,e.. plaintiffs motion for new trial. defendant's demurrer to complaint. etc.): Defendant.l. Rodney Fickel Insurance Agency, Ine.'s Motion for Judgment on the Pleadings 2. Identify counsel who willllrgue case: (a) for plaintiff: Eric J. Wiener. Pro Se 4505 Lakeside Drive Harrisburg, PA 17110 (b) for defendant: Thomas R. Miller, Esquire, Miller and Miller 113 Locust Street. P .0, Box 709 Harrisburg. I' A 17108-0709 3. [ will notify all parties in writing within two days that this case has been listed for argument. 4. Argument COllrt Date: ;)I.. April 1-0, 2000 Altorney"for Defendant, J. Rodney Fickel Insurance Agency, Inc. Dated: March 21. 2000 CARLISLE AUTO PLAZA, 11\('. a/k/a CARS BY GETTLE, INC'.. ;md ERIC J. WIE~ER : 11\ TilE COURT OF COMMOI\ PLEAS OF : CUMBERI.AND COUI\TY, I'ENNSYI.V ANIA v, GENERAL ACCIDENT INSURANCE COMPANY OF AMERICA AND JAY RODNEY FICKLE INSURANCE AGENCY,INC, 1\0. 9X-654X CIVIL TERM ". . L" III CIVIL ACTION - LA W ORDER OF COURT AND NOW, this ~ day of MARCH, 2000, upon consideration of plaintiff Eric Wiener's Motion for Stay and the defendants' Answers thereto, the Motion for Stay is Douglas B. Marcello, Esq. ~ t.'~ . I , Ii p! DENIED. Edward E. Guido, J. DO ~ '>) ';y~+C; :.:, ','" Eric J. Wiener, Pro Se 4505 Lakeside Drive Harrisburg, Pa. 17110 .;i' '-,. ". .!l: ..", 'i ,> :sld G, Thomas Miller, Esquire For the Defendant t ,i' :1. '~' ~-P I.-Htt-ao :;<1 Carlise Auto Plnza. Tnc and Eric J Wiener Plnintiff Tn the Court of Grnrrn Plmq Onl",rlml rJll1tv, lluwlV>'.,la VB Civi I :rtim 1m General accident Tnsurancee and J. Rodney Fickel Insurance Agency Tnc N:> <&(,Wl Plaintiff Fric J lobircr's ltief crntro rrotim for J.rwmt m tiE ple.-diTl\S St<ltnrnt of racrjfS' Plaintiff is u-able to atterd arg.nmt cItE to incarceratim on:I was dfiiro ast-1Y pnli~ release. I aim do rot 111M! my of tre files available .niTe iroarreratro. Ilhile referdant did ~ a <Xn' of its brief at lXlth nv hare on:I at nv ttl,!-,"COL V a::l:Iress it res rot 92rVe<lrre wi th tiE rrotim for j.rlgaTEnt m tre Plro:Hngs at eitrer adIress. Leferrla1t CJLXltes as defense a provisim of tee p::>licy relating to Jilysical o:laraiJ? Alro tm reller in this case in fa::t J-aj a j:Err1Sylvania title to tiE "2hicle ,.I1ich was fralrllJ2l1tly obtaimlby' tiE reller. A rwdi'1'l of tiE p:>licy is rot clear to 6UJ'I:ass tl-E facts of this ca...,. This actim is in breach of crotract on:I tre statute dicin't l:egin to nn mtill it was kroo.n that tre "2hicle was stolems deferrla1t correctly states mtill NJvEnter 23 1994, 'frEre 1m m claim filled on:I m dmial of ~ untill ~ of l'l'Y,. I crulcln't file a claim prioe to krrMing tre vehicle was stolfi It is a qtEstim of fa::t to re determiml Of tiE Jury as to I<lm tre vehicle was kn:M1 to re stolen as w::!ll as tiE irrpxt of tre excullDtot:y l~ited by'deferrlant Plaintiff stnlld re entitlro to my day in cart m trere isales I rerEW nv mjlIE!st for a tffil:Ot8ry stay in t.his ITBtter rerrIing release ani acess to nv files trere is m prejgu:e to deferrlants. I 8]:1XJ;ligire for this d<xme:1t ~r ~j.L~ tool m files mr spall check / ~/ Re~ 9Jb1rlr ___'. Eric, J. Hierer pro E'e ani Wl a 92Cre~ .J" APR 2 4 ?nnn ~ tV' LA W OI'I'ICI~~ MILLER AND MILLER Ci.lllll\t"-"\III,I.t:K 111l1\t4.\M, \l1I.I.UC II ,ll.llCU~T STllt:t;T 1'.11, BOX 709 UAKKISHI'IlI;,I'A 1710K-0709 n;I.IWII(}~.: 17111 ZU.07$O .'''X 1717, ZJZ.JJOZ April 21. 2000 Richard J, Pierce. Court Administnllor Cumberland County Cumberl.lI1d County Courthouse 1 Courthouse Square Carlisle, PA 17013 Re: Carlisle Auto Plaza. Inc, and Wiener v. J. Rodney Fickel Insurance Agency, et al. CP Cumberland Co, - No. 98-6548 Dear Mr. Pierce: The above c<lse is on the Argument List for April 26, 2000 and the pro-se Plaintiff therein, both on his own behalf, and as the assignee of Carlisle Auto Plaza, Mr. Eric Wiener, is presently being detained at the Allenwood Federal Prison Camp in Montgomery, Pennsylvania pursuant to an Order of the U.S. Middle District Federal Court. We represent the moving party, the Fickel Agency, <lnd have filed and briefed a Motion for Judgment on the Pleadings and furnished Mr. Wiener with s<lme. Mr. Wiener, bec<luse of his Federal detainment, had filed a Motion for St<lY of this proceeding, but this Motion was denied several weeks ago by an Order of this Court, speaking through Judge Guido, Mr. Wiener furnished us a one-page brief opposing our Motion and in case a copy of this brief has not been filed with the Prothonot<lry we are enclosing a copy so that you might include it with the Court's file, Knowing the difficulty Mr. Wiener would encounter in obtaining a writ of habeas corpus ad testificandum so that he could appear and argue against our Motion we told him that we would be willing to submit the matter on briefs and he has agreed to that procedure as evidenced by his letter of April 18, 2000, the original of which is enclosed for inclusion in the Court records. Douglas Marcello, Esquire, attorney for the co-defendant General Accident Company is also in agreement that the matter be submitted on briefs, provided that the Court is willing to accept and decide the Motion on that basis, Would you kindly advise what procedure need be followed in order to submit our Motion to the Argument Court on briefs, i.e., is it necessary that we file a formal motion, or just appear personally at the time of argument, or is it sufficient that we make the request in this fashion to you, as the Court Administrator? : . ., } - ., '1//?'/~ /4_ ('~&cJC{) v,s '5,(0-", ,t:;;' /i~ /V tJ l' y- G.) -Y d - PC-a.-L /!;y;IC . /^ ~-__ tU-'i,{:p ~~ 0-'1,:[./'/6- o / '~) .d-v..e.-x--C'~ /}/L-. 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",.t.-.,,,..\], '" 'ii'.. ,r' t ~ .l '.~ t;K \ ..;'...~ ,'.' l. ~ ~~ ~ 'l;r,~ ~:" ~f ; ~ ~~': V/" j-~ , .~~~~t;~" .?:','-' .', ~ '?'" .\' ,'or ,~ '!:;~.~/\' "': ,1 >~.' l:: ~~~. ': i .1. lir~,.,~i .. ~ ~ ~. r~, ,"t{: "<.:'t ,;.~~, ':'1,.!1~1 ~",,~;,..'~~'- ..~~.. ,ft. '.l/i; ., ~/ ... \) i~, ~5 . 'f' ~l. ){j .to . " , . ,- 'fk \\':."~l: h. )(. '. ','t.. ~ 'f:.~.. '\~' :' '.:.,-~"" fJ-U:;;",'/C: --':i f ~:. .; ~ '-;.:.' ~": ,~.. ,,' !\'i()i;j-GCI~,kl~'''. i" 1\. l'Jjj2 Lf-19-C>C> e", T~: ~;, ,,: r::r:CI.OS::~) 1; '", '.... , I' . 't.' ~i': ;':.~;:: ,. "."'; "":,,. I); ',:' ....,. ........." " ',' " ,r~> " ;;;i,~, .~( \' '''':;:,'\ ~;?' , "'- ;,,/ ~..~~":'. l ~~ \_:" , \ .::.~:-, 'y, ,~, .~ , l J" 'A".:.j~'~~( ",:.'l'l"'t.:t.." .' .': :;.....J.... Y':7j;;.~., ';" "P -, '. .... , / " ....i' l ';' , .' , CARLISLE AUTO PLAZA. INC. wkla CARS BY GETrE!., If\:C, and ERIC J, WIENER, I'I..intill's : If\: TilE COURT OF COMMON I'LEAS OF : CUMBERLAND COUNTY, l'ENl'SYL VANIA v, GENERAL ACCIDENT : NO,9t!.654S CIVIL TERM INSURANCE COMPANY OF AMERICA ..nd 1. RODNEY FICKEL INSURAf\:CE AGENCY, INC.. Defendants IN RE' MOTION FOR JUDGMENT ON PLEADINGS FILED BY DEFENDANT J RODNEY FICKEL INSURANCE AGENCY. INC. BEFORE HOFFER. P.1 .OLER GUIDO JJ. OPINION AND ORDER OF COURT Plaintiffs commenced this action by filing a praecipe for writ of summons on November 17. 1998, On Decembcr 10, 1999, a Rule was issucd upon plaintiffs to file a complaint. A compl..int was filcd on February 10. 2000. On February 25, 2000, Defendant 1. Rodney Fickel Insurance Agency, Inc. (hcreinafter "Fickel") filed an answcr with new matter and counterclaim. The pleadings between those parties wcre completed when plaintiffs filed a reply. Currently before us is a Motion for Judgment on the Pleadings filed by Defendant Fickel. The parties have bricfed their respective positions and this matter is now rcady for disposition. DISCUSSION Pa, Rule of Civil Procedure 1034(a) provides that "(a)fter the rclcvant plcadings are closed. but within such timc as not to unreasonably delay the trial, any party may 9H-654K CIVIL TERM move for judgment on the pleadings," Only the pleadings between the parties to the motion need be closed prior to the filing of the motion,l A motion for judgment on the pleadings should only be granted where the pleadings demonstrate that no genuine issue of fact exists and the moving party is entitled to judgmen: as a matter of law. Ilammerstein v. Lindsay, 440 Pa.Super, 350, 655 A.2d 597,600-601 (1995), We must ace cpt as true all well pleaded facts of the non-moving party, and any other facts which he has spceifically admitted. rd. Judgment on the plcadings should be granted only in cases which arc c1car and free from doubt such that a trial would be fruitless, Applying the above standard to the case at bar, we lire slltisfied that Defendant Fickel is entitled to judgment on the pleadings, On July 12, 1994, PIlIintiff Eric Wiener (hereinafter "Wiener") lIeting on behalf of Plaintiff Carlisle Auto Plaza,lne. (hereinafter "Auto Plaza") purehascd a vehicle from another dealer.2 The vehicle was subsequently sold by plaintiffs,) It turns out that the vehicle was stolen: Plaintiffs were required to reimburse the ultimate purchaser for the cost of the vehicle plus legal fees.s Defendant Fickel was the insurance agent for Plaintiff Auto Plaza.6 Plaintiff Auto Plaza had contracted with Defendant Fickel for "full and complete coverage for the automobile dealership."? On September 20,1994, plaintiffs put Defendant Fickel on notice ofa possible , Comment to Pa, R,C.l', 1034(a). 2 Complaint paragraph 5. 3 Complaint paragraph 6, 4 Complaint paragraph 7. , Complaint paragraph 8. 6 Complaint paragraph II. 7 Complaint paragraphs 13 and 17, 2 911.65.\1l CIVIl. TERM minds cmmol difler, "Ihe connncncemcnl oflhc limilation pcriod (may) hc dctcrmincd as a mallcr of luw." W, (Iuoting Sudlh:r v. Juckson Cross Company. .\02 l'a.Supcr. .\')2, SOO, S1l7 A.2d 727, 731 (1991), Such is Ihc casc inlhc mullcr hclt'rc us. I'luiutifls uolificd Defend.lIlt Fickcl on Septcmbcr 20, 199.\, Ih.llthe vchi.lc might bc stolcu. Onlhc smnc day Ihey were adviscd thullhcy did nol havc Ihc covcragc Itlr which thcy had allegedlycontmeted. If a contract to provide "full and complclc eoveragc" cxisted, plainlifts werc awarc of its breach on that dutc, The sl.lIule of limitutions cleurly bcgan 10 run ut that lime, Since Ihc instunt uction was nol filcd until November Ill, I 9911, it is limc burrcd. For the reasons sel forth ubove, we will grant Defendunt Fickel's motion for judgment on the pleudings. ORDER AND NOW, this JS'~ day of MA Y, 2000, tbe Motion for Judgment on the Pleadings filed by Defendunt J. Rodney Fickel Insurance Agency, Inc. is GRANTED and the complaint, us to said defendunt. is DISMISSED. By the Court, /s/ Edward E. Guido Edward E. Guido, J. r Eric J, Wiener, Esquire G. Thomas Miller, Esquire :sld ~ Douglas B, Marcello, Esquire l 4 ~ t limitations. ^ copy or this Court's dccision and Order of May 25. 2000. is incorpomted herein and made n pnrt hereor as ir set rorth in rull. Respeelfully submitted. THOMAS, THOMAS & HAFER, LLI' Datcd: Douglas . M. ello, Esquire 305 N 1 Front Strect 1',0, ox 999 Harrisburg. I' ^ 17108 (717) 255-7238 Attorncy For Dcfendant Gcneral Accident ,\ , ~j r-'" ,""' CARLISLE AUTO PLAZA, INC , a/k/a CARS BY GEHl.E, INC ami ERIC J WIENER, IN TilE COURT OF CO~II\ION Pl.E,\S OF CU~\IlERl.ANI> COUNTY, PENNSYLVANI,\ Plaintifl', NO ()M.h~4M v, CIVIL ACTION.- LAW GENERAL ACCIDENT INSURANCE COMPANY OF AI\IERICA and JAY RODNEY FICKLE INSURANCE AGENCY, JURY TRIAL DEMANDED Defendants PRELIMINARY OBJECTIONS OF DEFENDANT. GENERAL ACCIDENT INSURANCE COMPANY TO PLAINTIFFS' COMPLAINT TO: THE HONORABLE JUDGES OF SAID COURT AND NOW COMES Defendant, General Accident Insurance Company, by and through counsel, Thomas, Thomas & Hafer, LLP, and Douglas B. Marcello, Esquire, and hereby files the within Preliminary Objections to Plaintiffs' Complaint and in support thereof and avers as follows: I. Plaintiffs filed a Complaint against Defendant in the above-captioned mailer. 2 Plaintiff asserts that he is cntitlcd to coveragc under a policy of insurance issued by Defendant. 3, Plaintiffs' Complaint fails to provide a basis upon which hc is sceking payment or asserting a claim against Defendant, General Accident Insurance Company, 4, Plaintiffs' Complaint fails to specify the basis for which coverage is alleged and/or the nature of a loss that is allegedly covercd by the policy. 5. Plaintiffs', at various times, appears to allege that proper coverage was not obtained by the agent, and has in fact asserted a claim against the agent for the failure to obtain said coverage. 6. General Accident requests this Honorable Court to order Plaintiffs to morc specifically plead as follows: a, The nature of the loss for which a claim is made; ,',DEFENDANT'S:; , ,. 'EXH IB""" .,-~ "i:; ,\1, II/'.;':~'~.'f;' '~J'~~~!:l~~~~~~~i ...... ,-. CERTIFICATE OF SEI{VICE AND NOW. Ihis 251h day of Fcbrua,y 2000 I hcreby ecrlify Ihal I scnl a Inlc and corrccl copy oflhc forcgoing documcnllo Ihc Illl/owing counsel orrccord, by placing a copy ofsamc in Ihc Unilcd Slalcs, firsl class mail, poslagc prcpaid. addrcsscd as Illllows Eric J Wcincr 4504 I.akcsidc Drivc Harrisburg. P A 17110 (j Thomas Mil/cr. Esquirc 105 LOCUSl Slrcel Harrisburg, P A J 710 I (Allorney for Jay Rodney Fickcllnsurancc Agency) :46526, I CEIHI FICA n: OF SERVICE I, Knlhy I.. Sitlcr. an cmploycc of thc 11Iw oflj"l'S of Thomas. Thomas & I/aler. 1.1.1'. do hereby certir)' that I scrved thc fo,cgoing documcnt via thc Unitcd Statcs mail, lirst class, postage prepaid, as follows: Eric J, Wicncr 08186-067 P. 0, Box 1000 Montgomcry, 1'/\ 17752 G, Thomas Millcr. Esquire Millcr & Miller 113 Locust Strcct P. O. Box 709 Harrisburg. P A 17108-0709 /)/ lIt Date: ..rf; I ,'J \_ "" I( I I" , . '/ I , ,..../., ./ll~' F-"-. (:",. I 'i .... JJ ,(-, ~ ' KATHY L. SITLER . CARLISLE AUTO PLAZA, INC., : IN THE COURT OF COMMON PLEAS OF a/k/a CARS BY GETTEL. INC, : CUMBERLAND COUNTY, PENNSYLVANIA and ERIC J, WIENER. Plaintiffs : NO. 98-6548 CIVIL TERM V. GENERAL ACCIDENT INSURANCE COMPANY OF AMERICA. : CIVIL ACTION - LAW Defendant IN RE: PRELIMINARY OBJECTIONS and AMENDED PRELIMINARY OBJECTIONS OF DEFENDANT BEFORE HOFFER. P,J.. OlER. J. and HESS. J. ,t ~ _ORDEr OF COURT AND NOW, fJO~ 1- .2000. the preliminary objections are dismissed, By the Court, - 1/ P. , Douglas B. Marcello, Esquire Thomas, Thomas & Hafer, LLP 305 North Front Street Harrisburg, PA 17108 , /j'l.Uu.-lu( bo //_ .7.. Eric J, Wiener 08186-067 P,O. Box 1000 Montgomery, PA 17752 I ' L/;../U..bl ~/,~ < j' .1;' ,~ CARLISLE AUTO PLAZA, INC.. : IN THE COURT OF COMMON PLEAS OF a/kJa CARS BY GETTEL. INC. : CUMBERLAND COUNTY, PENNSYLVANIA and ERIC J, WIENER, Plaintiffs : NO. 91)-6548 CIVIL TERM V. GENERAL ACCIDENT INSURANCE COMPANY OF AMERICA, : CIVIL ACTION - LAW Defendant IN RE: PRELIMINARY OBJECTIONS and AMENDED PRELIMINARY OBJECTIONS OF DEFENDANT BEFORE HOFFER, P.J., OLER. J. and HESS. J. OPINION HOFFER, P.J.: For the history of this case. see the Opinion of Judge Edward Guido dated May 25, 2000. in the same captioned case against a different defendant. Currently before the Court are the preliminary objections of defendant, which raise, among other things, the defense of the bar of the statute of limitations. While the Court can appreciate the defendant's attempt to take advantage of a favorable ruling granted to a co-defendant, the current defendant has not followed the correct procedure used by the co-defendant. The Rules of Civil Procedure are there for a purpose, Rule 1028 specifically notes that the statute of limitations can be asserted only in a response pleading as new matter under Rule 1030, ,)", ,. '--f',,"-' .-.~. '. .'tf~: -';~~-s:,~~~~! "..." CERTIFICATE OF SERVICE I herehy eerti I)' that I sent a true and correcl copy or the li1regoing documelll 10 the ((llIowing counsel of record. hy placing a copy of same in the tlnited Stales. Ii,sl e1ass mail, postage prepaid, addressed as ((ll1ows: Erie J. Weiner. Esquire OR I R6-067 ('.0, Box 1000 Montgomery. ('A 17752 (/, Thomas Miller. Esquire 113 Locust Strect lIarrishurg. P A 17101 (Attorncy lor Jay Rodncy Ficklc Insurance Agcncy) Date: Novcmhcr 21. 2000 By: :112991,1 3 CAI(I.ISLE AlllO I'LAZA,IN('" a/k/a ('ARS BY (iE'ITEf..INC'. and ERI(,.I, WII':NEI{. IN TilE ('OIIRT OF COMMON PLEAS OF ('{ 1t\I/lERLI\NI> ('01 INTY. I'ENNSYL VANIA I'lainlifls Nl), lJX-(,54H 1'. GENERAL ACCf/)ENT INSl JRANCE COMPANY OF AMERICA and.lA Y RODNEY FICKLE INSURANCE AGENCY, CIVIL ACTION -- LA W .I11RY TRIAL DEMANDED Dcfcndants .."... ..'~' "ANSWERWITII NEW MATTER OF DEFENDANT, GENERAI.;>,\CCIDENl':' ';:>, :;:;:'::'iNs~aCOMPA.NYORAMERICATOPLAIN'riFFs',c:oMi>.B~"i)"':'" Dclendanl. Gcncral Accident Insurance Company of America, by and through their attorncys. Thomas. Thomas & Ilafer. LLI'. and Douglas B. Marccllo, ESlJuire, hereby Jiles the following Answer with Nell' Mattcr lol'laintiffs' Complaint: I, Denied. Answering Defendant is without information or belief as to thc truth of the averments of paragraph 1 and hence it is denied and proof is demanded at time of trial. 2, Denied. Answering Defendant is without information or belief as to the truth of the averments of paragraph 2 and hence it is denied and proof is demanded at time of trial. 3. Dcnied as statcd, 4. Answering Defendant is without information and belief as to the truth of the averments of paragraph 4 and hence it is denied and proof is demanded at time of trial. 5. Answering Delendant is without information and belief as to the truth of the avernlents of paragraph 5 and he nee it is denied and proof is demanded at time of trial. 6, Answering Defendant is without information and belief as to the truth of the averments of paragraph 6 and hence it is denied and proof is demanded at time of trial. 7. Answering Delendant is without information and belief as to the truth of the averments of paragraph 7 and hcnce it is denied and proof is demanded at time of trial. 8. Answering Defendant is without information and belief as to the truth of the averments of paragraph 8 and hence it is denied and proof is demanded at time of trial. I), Answcring Defellllant is without inlilrmation ami hdief as to the lruth of lhe avcrmenls of paragraph I) ami hence it is lIeniell allll proofis lIcmanllcll at lime of trial. ('()\I;I;T I ERIC ,I, WElNEI{ ", ,fA V I{()IINEV FICKLE INSlll{ANCE A<;ENeV.INC Ill. The avcrments of paragraphs I lhwugh 9 arc incorporalell hcrein anllmallc a part hcrcofas ifsetlilrth in full. II. Deniell as statell, Thc avcrments uf paragraph II arc lIircctcll tu a party uther than answcring Dclenllant anll hencc they arc lIcniell (11111 prouf is lIcmanllcd (It timc of trial. In lhe allernative, lhc avcrmcnts of paragraph II arc lIcniclllo the e.xlcnt it sccks to paraphrasc any policy of insurance in effect anll/or is nol a cumplctc anll accur(ltc copy uf s(lill policy. Any (lnd all (lvermcnts of p(lragraph II (lrc spceilieally lIenicll (IS st(ltellthcrcin. Any (lgcncy relationship between Delendant Fickle anll/or Gcncral Accillent Insurancc Company is lIenicd (IS sl(lted pending furlhcr discovery of the Illets of this c(lse. inclulling but nul limited to (IS to whose (lgenl Delcnd(lnt Fickle W(lS ueling in tcrms of its rcvicw (lnd discussions (lnd/or procuremcnt of policies on behalf of I'luintiff. 12. Denied us stulcd. The (lvcrmcnts of purugraph 12 are directed to (I purty othcr lhun (lnswering Delendunt und hencc they are denied (lnd proof is dem(lndcd (It time of tri(ll. In lhe (lllern(llive. lhe uvermenls of p(lragruph 12 arc lIenied to lhc cxtcnt it seeks 10 puraphmse (lny policy of insurunce in effccllll1d/or is nol u cOlnplelc (lnd (lccumle copy of s(lid policy. Any (lnd (Ill (lvermenls of paragraph 11 urc specilieully lIenied us st(lted therein, 13. Dcnied. Answering Dclcndunt is withoul infonnation or belief us to the truth of the avermenls of paragraph 13 and hencc they arc denied und proof is dem(lnded ut time of trial. in the alternative. the uvermenls of paragraph 13 arc denied and proof is demanded al time of trial. 14, Dcnied. Answering Dcfendant is without informution or belief us to the truth of the uverments of puragruph 14 und hcnce they arc denied und proof is demanded ut time of trial. in the alternulive. the uvermenls of parugraph 14 ure denied and proof is demanded at time of tri(ll. 2 15. Iknicd. Ansllcrinl! Dclcndanl is withoUI inlilTlllalionor hdid as tolhc Inllh or thc aWl'lIIcnts or para!!raph 15 ami hcncc Ihc)' arc dcnicd and prool' is dcmandcd at limc or trial. in thc allcrnaliw. Ihc aI'Cl'lucnls or para!!raph 15 arc dcnicd and prool' is dcmandcd at limc or lrial. 16. Dcnicd. Ansllcrinl! Dclcndanl is wilhoul inlilllllalion or hdid as 10 thc lruth or thc awrmcnts or paral!raph 16 and hcncc lhc)' arc dcnicd and prool' is dcmandcd at limc of trial. in thc altcrnative. thc avcrmcnts of par,ll!raph 16 arc dcnicd and proof is dcmandcd at timc or trial. 17. Dcnicd. Ansllcrinl! Dcfcndant is without inl'i.lIImllion or bclicf as tothc truth or thc <Ivcrmcnts of P<lwl!wph 17 and hcncl' thc)' arc dcnicd and proof is dcm<mdcd at timc of lrial. 18. Dcnicd. Ansllcrinl! Dclcndant is without inlllllllation or belicl' as to thc truth or thc avcrmcnts or paral!raph 18 and hcncc lhc)' arc dcnicd and prool' is dcmandcd at limc of trial. In thc altcrnativc. an)' and allothcr avermcnts or paragraph 18 arc dcnicd and proof is dcmandcd HI time of trial. 19. Dcnicd. Answcrinl! Dcfcndant is without inlormation or belicf as to thc truth of thc avcrmcnts of paragraph 19 and hcncc thc)' arc dcnicd and proof is dcmandcd at timc of trial. In thc altcrnativc. any and all othcr avcrmcnts of paragraph 19 arc dcnicd and proof is dcmandcd at timc of trial. COUNT 1\ ERIC ,I. WEINER v, GENERAL ACCIDENT INSURANCE COMPANY OF AMERICA 19. Thc avcrmcnts of paragraph I through 19 arc incorporatcd hcrcin and madc a part hcrcof as sct lorth in filII. 20, Dcnicd. It is dcnicd that any policy of insurancc of Gcncral Accidcnt and/or dcclarations. including but not limitcd to thc list at Exhibit "E" cntitlcd "Commcrcial Gcneral Liability Covcragc," providcs coverage lor loss at qucstion. Any and all othcr avermcnts of paragraph 20 arc dcnied and proof is demandcd at timc of trial. 21. As it appcars that no claim is bcing madc in paragraph 21. any and all allegations thcrcin are dcnicd to thc cxtent that thcy scck to asscrt any coverage or liability of General Accidcntlnsurancc Company. 3 ~~ I knicd as slat.:d, Any agcncy rdalionship hclwccn Defendant Ficklc allll/or (icncml Accidcnt Insumncc ('ompany is dcnicd as statcd pcnding lilrthcr discovcry of lhc Ihcts of lhis casc, including hutnol limitcd lOllS '0 whosc agcnt Dclendanl Fickle was llcling inlcrms of its rcvicw and discussions allll/or procurcmcnl of policics on hchalr or Plaintirf. Any and all olhcr avcrmcnts or paragmph 22 arc dcnicd and proor is dcmandcd at timc or trial. In thc altcrnativc. lhc avcrmcnls stalc a conclusion or law to which no rcsponsivc plcading is rClluircd. NEW MATTEI{ 23, Somc or all or Plaintins' claims arc harrcd hy thc slatulc or limillltions. 24. Somc or :11101' Plaintirrs claims arc harrcd hy thc limilations or and actions sct ",rth in thc policy. 25, Sumc ur allur Plaintirrs claims mc hmrcd pursuant tu thc tcrms. conditions and cxclusions orthc policy. 26. Plaintirrs policy did nut providc cuvcmgc rur thc timc. placc or location of the alleged loss. 27, The allegations or the loss set forth in the Plaintirfs' Complaint arc not covered hy the policy in lIucstion. 28. Plaintirls' claims arc bmred by laches. 29. Plaintiffs' claims me barred by res judicata and/or collateral estoppel. 30, Plaintifrs' claims me barrcd by the law ufthe case, 31. To the extent Defendant Fickle was acting as an agent of General Accident Insurance Company. the Cuurt's decision of May 25. 2000 in ravor of Defendant Fickle precludes any liability or General Accident Insurance Company. including but not limited upon the actions or omissions of any alleged agent. 4 WIIERI-.H IRE. Ikl~ndanl. (i~lwral I\~~id,'nl Insur"Il~~ ('ol11llan)'. r~<Il1~sts this Ilonurahl~ ('uurl disl11iss Plaintiffs' ('ol11l'laint. I{~sl'~~lflllly sllhl11ill~d. II y : -- --;-:.::::2 Datc: Novcmher 20. 2000 5 VEI{lFIC'ATU)N I hcrchy vcrily lhallhc avermcllls madc illlhc lilr~guillg dU~lIl11clll arc lrll~ ;lnd corrcct. I 1I1ldcrslalld lhal lillsc SIaI~m~llls hcr~ill ar~ mad~ sllhi~~l 10 Ih~ 1'~llaltics or I H l'a.C.S.A. 4904 rcJalillg IUlIlls\\'orn Ihlsilicaliulllu alllhurilics. ca:NERAL ACCIIlENT INSURANCE COJ\WANY OF AMEIUCA By: /' ~ ......-I'. ( ....-- __~_J~'.:j~.:L__ Trlldi NOllllcn'h'crgcr Datcd: :87210.1 ,,(,) ('" I'I{AECII'E FOI{ LISTING CASE FOI{ AIU;(II\1ENT (l\Iuot hrl)'IK'"riUrn Rnd ouhmllh~lln dupllrntr) TO Tm: J'JU>TIIONOTAJW OF ClJl\lIn:JU.ANIJ COUNT\': Plcase lisllhe \\ ilhin lIIaller lilr the next Arglllllelll t 'ollrt. .---------.-----.-.---.--."... -. .-...- . --..........---.."..--...-.-+...-.... CARI.ISI.E AlITO JII.AZA, INC.. a/k/;r CARS IIY GETTEl.. INC. alld ERIC J. WIENER, Plailltills v. GENERAL ACCIDENT INSURANCE COMPANY OF AMERICA al1~ JA Y RODNEY FICKLE INSURANCE AGENCY, No. 9!( Civil 654K l. Slalemallcrlohcargllcd(i.c..p/ailllin..llwlilln/ilrnewtrial.delendant.s demllrrer 10 complaint. cle.): Derendanl. General Accident Insumnee Company or America's Motion ror Judgment on the Pleadings. 2. (denti ry counsel who will argue case: (a) Plaintil1: ^~~ress: Eric J. Wiener 08186-067, Commonwealth Unit 1'.0. Box 14500 Lcxington, K Y 40512-4500 I . (11) For Delendant. Jay Rodney Fickle Insurance Agency G. Thomas Miller, Esquire 113 Locust Street Harrisburg, P A 17101 (c) For Delendant,General Accident Insurance Comllany or America: Douglas B. Marcello, Es~uire 305 North Front Street, 6" Floor Harrisburg, P A 17108 3. I will notify all parties in writing within two days that this case has been listed ror argument. 4. / ;' ArgumenlCourt Date: January 3. ~OOI'l ( / /;~ /\ November 28, 20000 1,/ [/' , '!~" '--- Dfuglas 13. Marcello, Esquire t\ttorney Io'r 'Delendant General Accident Company 61' America [nsllmnee Dated: '~ :115135.1 ~ , CERTIFICATE OF SERVICE '<.{', ~;\":;. !~,-~ ; \',..;. ::',V',l, I hcrehy eerlily thaI J sent a true and correel eopy or Ihe li1regoing doclImcnt to lhe lilflowing counsel of record. hy I'laeing u copy of same in lhe lInited States. Iirst e1uss mail. postuge prepaid, llddressed as lilllows: Eric J. Weiner, Esqllire 081H6-067 Commonwcalth Unit 1'.0. Box 14500 Lexington. K Y 40512-4500 G. Thomas Miller. Esquire 113 Locust Street Harrisburg.PA 17101 (Attorney ror Jay Rodney Fickle Insurance Agency) Date: November 28, 2000 THOMAS, THOMAS & HAFER, LLP , ; ,-' I i \ By: " / / '------- ,?ouglas B;Marcello, Esquire :112991.1 '>- f'::: (~ N ~.~ .'. .... ,... (4: ::>~ :}~, ~'.' ''")- " 7- ~~;:. . :~:: O.~ l"J_ :.:; t:Y- .-:"J;:.> 0 ~~r.ii C'-, -7- ~ ,.' . jL~--' :~ !llrjJ C:l ~.~) n.. ~ :.t: -. . c".:) .:.> -' 0 u , J ..~ "..~ , .' CARLISLE AUTO PLAZA, INC'. : IN TilE COURT OF ('OMMON PLEAS OF A/k/a CARS BY GITf'EL, INC'. : CUMIIERLANfl COUNTY.I'ENNSYL VANIA Ami ERIC J. WIENER V. GENERAL ACCIDENT NO. 'lX-654X CIVIL TERM INSURANCE COMPANY OF AMERICA AND J. RODNEY FICKEL INSURANCE AGENCY, : CIVIL ACTION- LAW INC. IN RE: MOTION FOR J I J1)G 1\1 ENT ON TilE I'LEAIlINGS FILED BY IlEFENDANT GENERAL AcemENT INSURANCE COMPANY BEFORE: HESS, Or.EI~ ANI) GUIDO. .1,1. ORDER OF COURT AND NOW, this ~ day or JANUARY, 2001, it appearing that the issues in this matter arc identical to those decided in our Opinion dated May 25, 2000, a copy of which is attached hereto, the Motion for Judgment on the Pleadings filed by General Accident Insurance Company of America is GRANTED and the complaint, as to said defendant, is DISMISSED. Eric J, Wiener, Esquire By the Court, ~ Edw,'" E. Go;d" J~ t~I~I~~~1 ~t( G. Thomas Miller, Esquire Douglas B. Marcello, Esquire :sld .... 9ll-65411 CI vlL TERM move for judgment on lhe Illeadings." Only the pleadings between the parlics to the motion nced be closed prior to the filing of Ihe mOlion.' A motion lilr jlldgmcnl on the plcading5 shollld only be granted whcre Ihe pleadings demonstrate thai no genuine issue or raet exists and Ihe moving Ilarty is entitled to jlldgment as a mailer of law. Ilammerstein v Lindsay, 440 Pa.Super. 350, 655 A.2d 597,600-601 (1995). We must accept as true all well pleaded facls of the non.moving .~ :". party, and any other facts which he has specifically admilled. ld. Judgment on the pleadings should be gmnlcd only in cases which arc clear and free from doubt such that a trial would be fruitless. Applying the above standard to the case at bar, we arc satisfied that Defendant Fickel is enlit1ed to judgment on the pleadings. On July 12, 1994, Plaintiff Eric Wiener (hereinafter "Wiener") aCling on behalf of Plaintiff Carlisle AUlO Plaza, Inc. (hereinafter "Auto Plaza") purchased a vchiele from < another dealer.l The vehicle was subsequently sold by plaintiffs.) It turns out that the " vehicle was stolen.4 Plainliffs were required to reimburse the ultimate purchaser for the cost of the vel1icle plus legal fees.s o Defendant Fickel was the insurance agent for Plaintiff Auto Plaza.6 Plaintiff Auto Plaza had contracted with Defendant Fickel for "full and complete coverage for the !~ I I lfj automobile dealership.'" On Seplember 20,1994, plaintirrs put Defendant Fickel on notice ofa possible d" I Comment to Pa. R,C.P. 1034(a). 2 COlllplaint paragraph 5. J Complaint paragraph 6. 'Complaint paragraph 7. , Complaint paragraph 8. 6 Complaint paragraph I L 7 Complaint paragraphs 13 aad 17. >.>:i. 'l;' .;,~:" ~:: 2 ,9S.65,lli nVII, TERM e1aim in that the subject vehicle might bc stolen.' At that time they wcre advised that thcir insurance policy did not cover any such loss? On October 20. 191).1, an endorscment was mid cd to the policy to includc slIch covcrage.'lI This action was brought by I'lailllifrs in an ei'Jort to recovcr their loss slenuning from the purehasc and sale of the aforemcntioocd car. II They allcge that Defendant Fickel is liable "for breach of contract in ils failure to . . . obtain full and complete covcmge. . ," for I'laiotirr Auto Plaza.'1 In its new matter, Defendant Fickel alleges that plaintiffs' action is time barred. We agree. The statute of limitalions for contract actions is four years. I) Plaintiffs argue that the statute of limitalions did not begin to nm until they discovered that the vehicle was stolen and realized thatthcy did not have the co\'erage for which that they had allegedly conlracted. It is their position that this date was November 23, 1994, when they discovered that "the subject vehicle was, in fact, stolen. I' Under tile "discovery rule" the statute of limitations in a contract action begins to run when "the injured party becomes aware or reasonably should have been aware of his injury or its cause." Crouse v. Cvclops Industries, 704 A.2d 1090, 1094 (Pa. Super. 1997). The point in time when an injured party should have been aware of his injury is typically a question of fact. .w. However, "where the facts are so clear that reasonable 'Complaint paragraph 14. 'Complaint paragraph 14. 10 Complaint paragraph 15. II Plaintiff AlIto Plaza has assigned all of its interesl in Ihis claim to plaintiff Wiener. See complaint raragraph 9. 'Complaint paragraph 19. Il 42 Pa. C.S.A. ~ 5525. We will assume for purposes of discussion that plaintiffs have correctly labeled this a breach ofcontrnct action. However, there is considerable merit in defendant Fickel's argument that the action really sounds in negligence and is subject to a two year statute of limitations. "Comptaint paragraph 16, 3 . ~. )~ '.II ,:~ i .' >11 . '-6548 CIVIL TERM minds cannot diner. . . the commenccment of the limitation Ilcriod (may) be determined as a maller of law." W. quoting Sadtlcr v Jackson Cross COllll'any, 402 Pa.Super. 492, 500,587 A.2d 727, 731 (1991). Such is the case inlhe mallcr berore liS. Plaintifrs nOlificd Derendant Fickel on September 20, 199.1, that the vehi.:le might be stolen. On the same day they were advised that they did not have the coverage for which they had allegedly contracted. If a contract to provide "1'1111 and complete coverage" existed, plaintifrs were aware of its breach on that date. The statute of limitations clearly began to run at that time. Since the instant action was not filed until November 18, 1998, it is time barrcd. For the reasons set forth above, we will grant Derendant Fickel's motion for judgment on the pleadings. ORDER AND NOW, this J'5J{v- day of MAY, 2000, the Motion for Judgment on the Pleadings filcd by Defendant J. Rodney Fickel Insurance Agency, Inc. is GRANTED and the complaint, as to said defendant, is DISMISSED. By the Court, Isl Edward E. Guido Edward E. Guido, J. Eric J. Wiener, Esquire G. Thomas Miller, Esquire Douglas B. Marcello, Esquire :sld 4