Zalma on Insurance
Education • Business
Insurance Claims professional presents articles and videos on insurance, insurance Claims and insurance law for insurance Claims adjusters, insurance professionals and insurance lawyers who wish to improve their skills and knowledge. Presented by an internationally recognized expert and author.
Interested? Want to learn more about the community?
April 23, 2025
Pro se Litigants are Presumed to Have Knowledge of the Law

Res Judicata Eliminates Second Suit
Post 5056

See the full video at https://lnkd.in/gfeiyYgX and at https://lnkd.in/gwH87tHz, and at https://zalma.com/blog plus more than 5050 posts.

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.

Please tell your friends and colleagues about this blog and the videos and let them subscribe to the blog and the videos.

Subscribe to my substack at https://barryzalma.substack.com/subscribe

Go to X @bzalma; Go to Barry Zalma videos at Rumble.com at https://rumble.com/account/content?type=all; Go to Barry Zalma on YouTube- https://www.youtube.com/channel/UCysiZklEtxZsSF9DfC0Expg; Go to the Insurance Claims Library – https://lnkd.in/gwEYk

00:09:17
Interested? Want to learn more about the community?
What else you may like…
Videos
Posts
48 minutes ago
Conviction of Health Insurance Fraud Sustained

Double Jeopardy Claims Fails Because There was no Second Prosecution for the Same Offense

Post 5057

See the full video at https://lnkd.in/dHta_-yp and at https://lnkd.in/ddck47wm and at https://zalma.com/blog plus more than 5050 posts.

Posted on April 24, 2025 by Barry Zalma

Tariq M. Abdulaziz was charged with larceny in the first degree by defrauding a public community, health insurance fraud, and failure to appear. The charges of larceny and health insurance fraud were tried to the court, and Abdulaziz was found guilty of health insurance fraud.

In State Of Connecticut v. Tariq M. Abdulaziz, No. AC 45916, Court of Appeals of Connecticut (April 8, 2025) the Court of Appeals found that Abdulaziz had submitted false claims for face-to-face services to the Department of Social Services’ Medicaid program while he was in Texas.

The trial court acquitted him of larceny in the first degree due to the state’s failure to prove the value of the wrongfully obtained property exceeded $2000 and the court found him guilty of...

00:07:03
April 22, 2025
Clear and Unambiguous Exclusion Supports Summary Judgment

No Response to Motion Guarantees Loss

Post 5055

Read the full article at https://lnkd.in/g5VvTN9F, see the full video at https://lnkd.in/gtwxjXjK and at https://lnkd.in/gKpVWhWW, and at https://zalma.com/blog plus more than 5050 posts.

In Great Little Minds Academy, LLC v. Atlantic Casualty Insurance Company, Civil Action No. 4:23-CV-1875, United States District Court, S.D. Texas, Houston Division (April 17, 2025) Defendant Atlantic Casualty Insurance Company’s (“Atlantic”) moved for summary judgment.

BACKGROUND

Atlantic’s summary judgment evidence establishes that GLMA purchased a commercial lines insurance policy from Atlantic (“the policy”) that contained the following coverage exclusion (“the freeze exclusion”):

“2. We will not pay for loss or damage caused by or resulting from any of the following: …

"g. Water, other liquids, powder or molten material that leaks or flows from plumbing, heating, air conditioning or other equipment (except fire protective systems) caused by or ...

00:07:49
April 21, 2025
Velawcity Allegedly Committed Barratry on Behalf of Lawyers

To Be Sued for Barratry in Texas the Court Must Have Jurisdiction
Post 5050

See the full video at https://lnkd.in/gyqqF_6r ans at https://lnkd.in/gBxwZBCR, and at https://zalma.com/blog plus more than 5000 posts.

A LAWYER WHO PAYS OR GIVES OR OFFERS TO PAY OR GIVE A PERSON MONEY OR ANYTHING OF VALUE TO SOLICIT EMPLOYMENT COMMITS BARRATRY IN TEXAS

A lawsuit that involved claims for alleged barratry and conspiracy to commit barratry filed by Appellants against the law firm McClenny Mosley & Associates, PLLC, Texas attorneys James McClenny and Zach Mosley, their Louisiana partner Richard William Huye, III, and Appellee Tort Network, LLC d/b/a Velawcity (“Velawcity”), an Arizona company that executed several Marketing Service Agreements with the law firm to provide advertising and marketing services. An appeal to the Court of Appeals of Texas involved the trial court’s order sustaining Velawcity’s special appearance and dismissing Appellants’ claims against Velawcity for lack of jurisdiction.

In Wayne J. Adams,...

00:07:55
April 18, 2025
When a Plaintiff in an Insurance Bad Faith Case Seeks Punitive Damages The Plaintiff and Counsel Must Consider the Effect of State and Federal Income Taxes

Punitive Damages Must Be Added to Gross Income for Tax Purposes

See the full article at https://www.linkedin.com/pulse/punitive-damages-must-added-gross-income-tax-purposes-barry-n08yc and at https://zalma.com/blog plus subscribe at https://barryzalma.substack.com/subscribe.

This blog post is just a taste of the full article that is only available to subscribers to Excellence in Claims Handling. Anyone can subscribe to “Excellence in Claims Handling” at https://barryzalma.substack.com/subscribe for only $5 a month or $50 a year.

A TASTE OF EXCELLENCE IN CLAIMS HANDLING

The stated purpose of punitive damages is to punish a wrongdoer civilly to deter the wrongdoer and others from acting wrongfully. Insurance Bad Faith litigants dream of large punitive damage awards as a bonus and revenge upon the insurer that did not treat them fairly.

Punitive damages may be awarded where there is substantial harm and where there is none. [Restatement (First) of Torts § 908 cmt. c (Am. L. Inst. 1939); see also ...

post photo preview
March 13, 2025

Read the full article at https://www.linkedin.com/pulse/duties-liabilities-insurance-brokers-barry-zalma-esq-cfe-mmpbc, if you Subscribe to “Excellence in Claims Handling” at https://barryzalma.substack.com/subscribe for only $5 a month or $50 a year.

Duties and Liabilities of Insurance Brokers

Posted on March 12, 2025 by Barry Zalma

Excellence in Claims Handling

This blog post is just a taste of the full article that is only available to subscribers to Excellence in Claims Handling. Anyone can subscribe to “Excellence in Claims Handling” at https://barryzalma.substack.com/subscribe for only $5 a month or $50 a year.

Cases in which insurance brokers’ liability is in question depend in part on whether brokers are seen to be serving a fiduciary role or simply acting as a conduit between the insured and the insurer.

A person or an entity is a fiduciary with respect to a plan to the extent:

he exercises any discretionary authority or discretionary control respecting management of such plan ...

post photo preview
March 12, 2025

Read the full article at https://www.linkedin.com/pulse/duties-liabilities-insurance-brokers-barry-zalma-esq-cfe-mmpbc, if you Subscribe to “Excellence in Claims Handling” at https://barryzalma.substack.com/subscribe for only $5 a month or $50 a year.

Duties and Liabilities of Insurance Brokers

Posted on March 12, 2025 by Barry Zalma

Excellence in Claims Handling

This blog post is just a taste of the full article that is only available to subscribers to Excellence in Claims Handling. Anyone can subscribe to “Excellence in Claims Handling” at https://barryzalma.substack.com/subscribe for only $5 a month or $50 a year.

Cases in which insurance brokers’ liability is in question depend in part on whether brokers are seen to be serving a fiduciary role or simply acting as a conduit between the insured and the insurer.

A person or an entity is a fiduciary with respect to a plan to the extent:

he exercises any discretionary authority or discretionary control respecting management of such plan ...

post photo preview
See More
Available on mobile and TV devices
google store google store app store app store
google store google store app tv store app tv store amazon store amazon store roku store roku store
Powered by Locals