He who Represents Himself has a Fool for a Client
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Earnest A. Davis sued a car repair shop, its manager, and his car insurance company alleging they engaged in a ploy to damage his convertible Porsche so that he couldn’t afford to repair it and another customer of the repair shop could purchase it. On appeal, he challenges the trial judge’s rulings sustaining the defendants’ demurrers and dismissing his lawsuit in its entirety.
In Earnest A. Davis v. Government Employees Insurance Company et al., E074317, California Court of Appeals, Fourth District, Second Division (August 15, 2022) the trial court gave the plaintiff four chances to plead a cause of action against the defendants although he admitted to accrual and a suit filed after running of the statute of limitations.
FACTS
Before his claims were dismissed on demurrer, Davis filed four complaints over the course of his litigation. For a short time-to defend against the first round of demurrers-Davis was represented by counsel. For the remainder of the litigation, he represented himself, as he does on appeal.
The gravamen of Davis’s lawsuit is his claim that defendants and respondents Walter’s Auto Sales and Service, Inc. and their service manager Conrad Castillon (collectively, Walter’s) intentionally vandalized his 1998 Porsche 993 Series 911 Carrera Cabriolet so they could pressure him into selling it to another customer. Later in the litigation, Davis added as a defendant his car insurance company, Government Employees Insurance Company (GEICO), alleging they conspired with Walter’s to deem his car a total loss.
Davis claimed that after Walter’s installed a new passenger compartment main wiring harness (essentially fixing the issue), they engaged in the following ploy to get him to sell his car to another customer for a salvage price. Walter’s then told GEICO the car could not be repaired and GEICO issued a total loss declaration, which resulted in the Department of Motor Vehicles (DMV) giving the car a salvage designation.
The First Amended Complaint (FAC)
The FAC, filed on July 2, 2018, makes the same basic allegations of misconduct against Walter’s but asserts a total of 12 causes of action. Like the original complaint, the FAC did not name GEICO as a defendant or make any allegations of wrongdoing against the insurance company. Rather, Davis alleged only that GEICO had authorized and paid for the repairs, and later, had declared the car a total loss with the DMV in reliance on misinformation from Walter’s.
The Second Amended Complaint (SAC)
The SAC, filed on November 30, 2018, asserted 16 causes of action against Walter’s, and is 90 pages long with over 170 pages of attachments. This time, Davis named GEICO as a defendant because, as he explained in his motion for leave to amend, GEICO was the only entity who could restore his car’s status with the DMV.
Davis repeated the allegation that he knew, based on his experience as a mechanical engineer, Walter’s was lying when they told him on November 6, 2014 that parts of the top harness had melted. As for Davis’s allegations against GEICO, in one place in the SAC he alleged “GEICO conspired with Walter’s to use misinformation to wrongly deem [his car] a total loss,” but in multiple other places he simply alleges that GEICO deemed his car a total loss based on the misinformation provided by Walter’s.
Walter’s Cross-Complaint
Walter’s filed a cross-complaint against Davis seeking $4,320 for unpaid work on the car plus daily storage fees.
Walter’s demurrer argued, among other things, that Davis’s claims were barred by the applicable three-year statute of limitations because his allegations demonstrated he knew of the alleged wrongdoing by at least January 27, 2015 yet didn’t file his lawsuit until April 2018-nearly three months past the deadline to sue.
GEICO’s demurrer argued Davis’s claims against them failed as a matter of law and were time-barred. Walter’s and GEICO requested oral argument on the tentative ruling, but Davis did not. At the hearing, his then counsel was silent during the discussion of GEICO’s motions and, when asked by the judge, said he had nothing to add. The judge adopted his tentative ruling, explaining he was giving Davis “one more opportunity” on the claims against Walter’s “to see if [he] can plead around delayed discovery issues.”
The Third Amended Complaint (TAC)
The TAC was eight pages long, asserted just two causes of action against Walter’s-trespass to chattels and negligence-and alleged a different theory of wrongdoing than the three previous complaints. Instead, under the heading, “Delayed Discovery,” the TAC alleged Davis didn’t learn that removing the damaged harness was negligent until over a year and a half later, in July 2016 contradicting his earlier pleadings to avoid the statute of limitations.
The judge concluded the pleadings demonstrated the claims against Walter’s accrued on January 27, 2015 at the latest, and he sustained the demurrer with prejudice.
ANALYSIS
Davis Forfeited Any Opposition to GEICO’S Demurrer
Davis did not file an opposition to GEICO’s demurrer (even after GEICO asked if he planned to do so) nor did he request oral argument after receiving the judge’s tentative ruling. And, when directly asked if he had anything to add at the hearing on GEICO’s demurrer, Davis’s attorney said no, thereby acquiescing in the judge’s decision to sustain the demurrer.
The forfeiture rule applies with special force when the appealing party received the judge’s tentative ruling and raised no objection to it. Because courts must hold self-represented litigants to the same standards as attorneys, it doesn’t matter that he is no longer represented by counsel and represents himself on appeal. A doctrine generally requiring or permitting exceptional treatment of parties who represent themselves would lead to a quagmire in the trial courts, and would be unfair to the other parties to litigation.
Davis’s challenge to GEICO’s demurrer would fail even if the court was to consider its merits. This is because all of his claims against GEICO are based on fraud, which requires an intentional misrepresentation by GEICO. To be liable for fraud the defendant must have made a misrepresentation with knowledge of its falsity and the intent to induce another’s reliance on the misrepresentation. Davis failed to allege GEICO intentionally misrepresented the condition of his car to the DMV. Instead, he alleged GEICO relied on misrepresentations Walter’s made. Thus, because the only intentional misrepresentations alleged were those made by Walter’s to GEICO, Davis’s claims against the insurance company fail as a matter of law.
The Claims Against Walter’s Are Time-Barred
Unless the discovery rule applies, a claim accrues on the date of injury. The triggering event is not when Davis knew or reasonably should have suspected that he could succeed against Walter’s in court-that is, when he suspected Walter’s ultimate liability. Rather, his claims accrued when he suspected or reasonably should have suspected that Walter’s had done something wrong to him and caused him injury.
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he statute of limitations for both trespass to chattels and negligence resulting in damage to personal property is three years. And without dispute, the allegations in Davis’s first three complaints-which, at the demurrer stage, we assume are true-reveal that he suspected wrongdoing from Walter’s as early as November 2014, when they told him the top harness had melted in spots. The allegations in the first three complaints show that Davis knew Walter’s had wronged him by January 27, 2015 at the latest. That is the day he alleged he inspected his car and discovered they had “vandalized” it by removing the new wiring harness they had just installed. According to Davis’s own allegations, that “act of sabotage” made future repairs much more costly.
Davis tried to avoid the import of these allegations when he drafted the TAC by simply deleting them, but a party may not avoid the defects of a prior complaint either by omitting the facts that rendered the complaint defective or by pleading facts inconsistent with the allegations of prior pleadings. In such cases, a trial judge is permitted to treat the prior pleadings as true and disregard the subsequent, contrary allegations.
Davis had multiple opportunities to amend his pleadings to explain why his claims were not time-barred. Therefore the judgment was affirmed
ZALMA OPINION
It is strange to see a plaintiff alleging he was the victim of a fraud to attempt to save a time-barred lawsuit, in his fourth attempt to plead a lawsuit, he fraudulently changed the date of accrual of his claim. The California Court of Appeal refused to fall for his scheme.
(c) 2022 Barry Zalma & ClaimSchool, Inc.
Barry Zalma, Esq., CFE, now limits his practice to service as an insurance consultant specializing in insurance coverage, insurance claims handling, insurance bad faith and insurance fraud almost equally for insurers and policyholders. He practiced law in California for more than 44 years as an insurance coverage and claims handling lawyer and more than 54 years in the insurance business. He is available at http://www.zalma.com and [email protected].
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Posted on February 19, 2026 by Barry Zalma
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Read the full article at https://www.linkedin.com/pulse/passover-americans-barry-zalma-esq-cfe-5vgkc.
“The Passover Seder For Americans”
For more than 3,000 years Jewish fathers have told the story of the Exodus of the enslaved Jews from Egypt. Telling the story has been required of all Jewish fathers. Americans, who have lived in North America for more than 300 years have become Americans and many have lostthe ability to read, write and understand the Hebrew language in which the story of Passover was first told in the Torah.
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