Res Judicata Eliminates Second Suit
Post 5056
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Final Judgment Prohibits a Second Try
JC Robinson, Jr. (“JC”), pro se, appealed the trial court’s summary judgment decision in favor of defendant-appellee, Progressive Insurance Corporation (“Progressive”). In JC Robinson, Jr., et al. v. Progressive, 2025-Ohio-1370, No. 114348, Court of Appeals of Ohio, Eighth District, Cuyahoga (April 17, 2025) the Court of Appeals resolved the dispute.
FACTS
In May 2024, JC sued Progressive on behalf of himself and his minor daughter, E.R., (collectively “the Robinsons”). JC claimed that the Robinsons were involved in a “hit-and-skip,” rear-end, motor vehicle accident in November 2023 (“the MVA”) resulting in property damage, physical and mental injuries, medical expenses, lost income, and loss of enjoyment of life. JC claimed that the Robinsons’ presented to an emergency room after calling 9-1-1 following the MVA and that their medical treatment was ongoing.
Progressive filed a motion to dismiss the C.P. Complaint in its entirety. Progressive argued that the C.P. Complaint was barred by res judicata and claim preclusion, noting that this was the second lawsuit the Robinsons filed against Progressive stemming from the MVA.
The Robinsons previously filed a complaint in JC Robinson, Jr. v. Progressive Ins. Corp., Cleveland M.C. No. 2023-CVI-0013723 (“Mun. Complaint”), which was dismissed with prejudice in March 2024.
Progressive filed a supplemental motion for summary judgment. However, JC argued that Progressive was responsible for 100 percent of the Robinsons medical bills, pain and suffering and loss of wages and those claims had not been settled.
In September 2024, the trial court granted Progressive’s motion for summary judgment “for the reasons argued in the briefs, namely res judicata.” JC appealed.
LAW AND ANALYSIS
Summary Judgment and Res Judicata
JC argued that the trial court erred in granting summary judgment because it was unreasonable, unjust, and unconstitutional to strictly apply the doctrine of res judicata when the Robinsons’ claims were not ripe for review, litigated, or dismissed on the merits.
Pro se litigants are presumed to have knowledge of the law and legal procedures and are held to the same standards as litigants who are represented by counsel. Indeed, pro se litigants are not entitled to greater rights, and they must accept the results of their own mistakes.
One of the principal purposes of the summary judgment rule is to isolate and dispose of factually unsupported claims or defenses. There can be no genuine issue as to any material fact, since a complete failure of proof concerning an essential element of a non-moving party’s case necessarily renders all other facts immaterial
After the moving party’s initial burden is satisfied, the nonmoving party may not rest upon the mere allegations or denials in the pleadings. Rather, the nonmoving party’s reciprocal burden is triggered, requiring it to set forth specific facts showing that there remains a genuine issue for trial. A trial court may consider evidence other than the materials specified in the motion if no objections are raised.
Res judicata ensures the finality and stability of judicial decisions, deters vexatious litigation, and allows courts to resolve other disputes. The doctrine prevents a party from relitigating an issue or claim that has already been decided in a final, appealable order or a valid, final judgment in a prior proceeding and could have been raised on appeal in that prior proceeding.
The Ohio Supreme Court adopted res judicata’s modern application, which includes claim preclusion and issue preclusion. The claims raised in the C.P. Complaint are barred by claim preclusion. First, a court of competent jurisdiction rendered a valid, final judgment on the merits in an earlier action. A dismissal with prejudice is a final decision on the merits. The current case involves the same parties or their privies.
The C.P. Complaint raises claims that were or could have been raised in the Mun. Complaint. JC pleaded the same breach-of-contract, unfair-claims practices, and bad-faith claims, which were previously raised in the Mun. Complaint.
The C.P. Complaint arises out of the same operative facts and evidence as the Mun. Complaint. The MVA and Progressive’s handling of the Robinsons’ claims under JC’s automobile insurance policy. An exception to the res judicata doctrine will not apply when the parties had a full and fair opportunity to be heard on an issue.
After Progressive moved for summary judgment JC’s reciprocal burden was triggered. To survive summary judgment, JC was required to set forth specific facts rebutting the application of res judicata and showing that genuine issues remained. JC has not done so. The record reveals that JC had a full and fair opportunity to litigate the Robinsons’ claims; accepted a settlement from Progressive; voluntarily requested the dismissal of the Mun. Complaint with prejudice; and failed to pursue a direct appeal of the municipal court’s final, appealable order. JC failed to provide any evidence to rebut Progressive’s res judicata argument.
Because the doctrine of res judicata applies and no exception is warranted the trial court did not err in granting Progressive’s motion for summary judgment. The Judgment was affirmed.
ZALMA OPINION
Insurance companies must be treated like any other litigant. Once a suit is settled and a judgment entered, it’s dispute with JC was resolved. Yet JC, acting as his own lawyer, sued again seeking another bite out of Progressive. The Court of Appeals wisely affirmed the trial court.
(c) 2025 Barry Zalma & ClaimSchool, Inc.
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ZIFL Volume 30, Number 2
THE SOURCE FOR THE INSURANCE FRAUD PROFESSIONAL
Post number 5260
Read the full article at https://lnkd.in/gzCr4jkF, see the video at https://lnkd.in/g432fs3q and at https://lnkd.in/gcNuT84h, https://zalma.com/blog, and at https://lnkd.in/gKVa6r9B.
Zalma’s Insurance Fraud Letter (ZIFL) continues its 30th year of publication dedicated to those involved in reducing the effect of insurance fraud. ZIFL is published 24 times a year by ClaimSchool and is written by Barry Zalma. It is provided FREE to anyone who visits the site at http://zalma.com/zalmas-insurance-fraud-letter-2/ This issue contains the following articles about insurance fraud:
Read the full 19 page issue of ZIFL at https://zalma.com/blog/wp-content/uploads/2026/01/ZIFL-01-15-2026.pdf.
The Contents of the January 15, 2026 Issue of ZIFL Includes:
Use of the Examination Under Oath to Defeat Fraud
The insurance Examination Under Oath (“EUO”) is a condition precedent to indemnity under a first party property insurance policy that allows an insurer ...
ERISA Life Policy Requires Active Employment to Order Increase in Benefits
Post 5259
Read the full article at https://lnkd.in/gXJqus8t, see the full video at https://lnkd.in/g7qT3y_y and at https://lnkd.in/gUduPkn4, and at https://zalma.com/blog plus more than 5250 posts.
In Katherine Crow Albert Guidry, Individually And On Behalf Of The Estate Of Jason Paul Guidry v. Metropolitan Life Insurance Company, et al, Civil Action No. 25-18-SDD-RLB, United States District Court, M.D. Louisiana (January 7, 2026) Guidry brought suit to recover life insurance proceeds she alleges were wrongfully withheld following her husband’s death on January 9, 2024.
FACTUAL BACKGROUND
Jason Guidry was employed by Waste Management, which provided life insurance coverage through Metropolitan Life Insurance Company (“MetLife”). Plaintiff contends that after Jason’s death, the defendants (MetLife, Waste Management, and Life Insurance Company of North America (“LINA”)) engaged in conduct intended to confuse and ultimately deny her entitlement to...
Failure to Respond to Motion to Dismiss is Agreement to the Motion
Post 5259
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In Mercury Casualty Company v. Haiyan Xu, et al., No. 2:23-CV-2082 JCM (EJY), United States District Court, D. Nevada (January 6, 2026) Plaintiff Mercury Casualty Company (“plaintiff”) moved to dismiss. Defendant Haiyan Xu and Victoria Harbor Investments, LLC (collectively, “defendants”) did not respond.
This case revolves around an insurance coverage dispute when the parties could not be privately resolved, litigation was initiated in the Eighth Judicial District Court of Nevada. Plaintiff subsequently filed for a declaratory judgment in this court.
On or about April 15, 2025, the state court action was dismissed with prejudice pursuant to a stipulation following mediation. Plaintiff states that the state court dismissal renders its ...
Court Must Follow Judicial Precedent
Post 5252
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Insurance Policy Interpretation Requires Application of the Judicial Construction Doctrine
In Montrose Chemical Corporation Of California v. The Superior Court Of Los Angeles County, Canadian Universal Insurance Company, Inc., et al., B335073, Court of Appeal, 337 Cal.Rptr.3d 222 (9/30/2025) the Court of Appeal refused to allow extrinsic evidence to interpret the word “sudden” in qualified pollution exclusions (QPEs) as including gradual but unexpected pollution. The court held that, under controlling California appellate precedent, the term “sudden” in these standard-form exclusions unambiguously includes a temporal element (abruptness) and cannot reasonably be construed to mean ...
Lack of Jurisdiction Defeats Suit for Defamation
Post 5250
Posted on December 29, 2025 by Barry Zalma
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He Who Represents Himself in a Lawsuit has a Fool for a Client
In Pankaj Merchia v. United Healthcare Services, Inc., Civil Action No. 24-2700 (RC), United States District Court, District of Columbia (December 22, 2025)
FACTUAL BACKGROUND
Parties & Claims:
The plaintiff, Pankaj Merchia, is a physician, scientist, engineer, and entrepreneur, proceeding pro se. Merchia sued United Healthcare Services, Inc., a Minnesota-based medical insurance company, for defamation and related claims. The core allegation is that United Healthcare falsely accused Merchia of healthcare fraud, which led to his indictment and arrest in Massachusetts, causing reputational and business harm in the District of Columbia and nationwide.
Underlying Events:
The alleged defamation occurred when United ...
Zalma’s Insurance Fraud Letter
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ZIFL Volume 29, Issue 24
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Zalma’s Insurance Fraud Letter (ZIFL) continues its 29th year of publication dedicated to those involved in reducing the effect of insurance fraud. ZIFL is published 24 times a year by ClaimSchool and is written by Barry Zalma. It is provided FREE to anyone who visits the site at http://zalma.com/zalmas-insurance-fraud-letter-2/
Zalma’s Insurance Fraud Letter
Merry Christmas & Happy Hannukah
Read the following Articles from the December 15, 2025 issue:
Read the full 19 page issue of ZIFL at ...