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Baker v. State Farm Mutual Automobile Insurance Co.

United States District Court, M.D. Pennsylvania

June 11, 2015



Matthew W. Brann United States District Judge

Pending before this Court is Defendant State Farm Mutual Automobile Insurance Co.’s motion to dismiss Count III of Plaintiffs Mark and Terry Baker’s amended complaint for failure to state a claim upon which relief can be granted pursuant to Federal Rule of Civil Procedure 12(b)(6). Plaintiffs’ amended complaint seeks recovery on several bases for the failure of Defendant to pay what they allege is the entire amount of underinsured motorist benefits (hereinafter “UIM”) due under several insurance policies at issue. Plaintiff Terry Lynn Baker asserts a claim for UIM benefits in the amount of $300, 000 (Count I), Plaintiff Mark Baker asserts a claim for loss of consortium (Count II), and either or both plaintiffs assert a claim for statutory bad faith (Count III). Defendant seeks to dismiss only Count III of Plaintiffs’ amended complaint.

The matter has been fully briefed and is now ripe for disposition. In accordance with the following reasoning, Defendant’s motion to dismiss is denied.


On December 26, 2011, Plaintiff Terry Lynn Baker was involved in a motor vehicle accident caused by Joshua Todaro, the driver of the other motor vehicle involved. As a result of the accident, Mrs. Baker suffered serious injuries, including cervical strain with disk displacement requiring surgery, lumbosacral spondylosis with neuropathic pain and meralgia paresthetica. Mr. Todaro was insured through an automobile insurance policy with Travelers with liability limits of $50, 000. Mrs. Baker, however, was insured through Defendant State Farm on an insurance policy for three automobiles. Her policy contained an underinsured motorist coverage provision with limits of $300, 000.

Through letter dated June 26, 2012, Mrs. Baker’s counsel informed Defendant that Travelers’ policy limits were $50, 000. On July 3, 2012, Defendant informed Plaintiffs’ counsel that a claims representative, Michael Grove, had been assigned to handle the Plaintiffs’ underinsured motorist claim and the letter further confirmed coverage in the amount of $100, 000 per person with three vehicles on the policy providing stacking coverage. By November 1, 2012, Plaintiffs’ counsel informed Michael Grove that Travelers had tendered its policy limits and forwarded to Defendant the declaration page and proposed release. On August 20, 2013, Plaintiffs’ counsel forwarded to Mr. Grove a complete compilation of Mrs. Baker’s medical records and a note from her family physician dated May 13, 2013. Plaintiff’s counsel requested the policy limits based on Mrs. Baker’s medical diagnosis and pain. Defense counsel took Mrs. Baker’s statement on October 10, 2013.

By letter dated January 10, 2014, Defendant informed Plaintiff’s counsel of the status of receipt of various medical records. On May 12, 2014, Plaintiffs’ counsel wrote Defendant’s counsel to provide further information with respect to Mrs. Baker’s treatment, detailing the failure of a pain control device implanted in Mrs. Baker and upcoming surgeries to correct that problem. In that letter, Plaintiffs’ counsel requested a “without prejudice advance” of $10, 000 because funds were running low for the Bakers. Defense counsel responded that Defendant does not have a policy of issuing payments prior to the completion of its evaluation of the claims presented and further requested an independent medical evaluation be performed on Mrs. Baker.

On November 17, 2014, Plaintiffs’ counsel was informed by defense counsel that an IME had been scheduled for Mrs. Baker at a physician’s office in Plains, Pennsylvania, over 100 miles from her home. Because of the short notice, Plaintiffs requested that the IME be rescheduled. It was therefore rescheduled for December 8, 2014 at a physician’s office in Allentown, Pennsylvania, which is approximately 200 miles from Mrs. Baker’s home in Tioga County, Pennsylvania. To date the claim has not been resolved. Plaintiffs initiated the instant lawsuit on December 2, 2014.


When considering a motion to dismiss under Federal Rule of Civil Procedure 12(b)(6), a court must view all allegations stated in the complaint as true and construe all inferences in the light most favorable to plaintiff. See Hishon v. King & Spaulding, 467 U.S. 69, 73 (1984); see also Kost v. Kozakiewicz, 1 F.3d 176, 183 (3d Cir. 1993). However, “the tenet that a court must accept as true all of the [factual] allegations contained in the complaint is inapplicable to legal conclusions.” Ashcroft v. Iqbal, 556 U.S. 662, 678 (2009) (internal citations omitted). In ruling on such a motion, the court primarily considers the allegations of the pleading, but is not required to consider legal conclusions alleged in the complaint. Kost, 1 F.3d at 183. “Threadbare recitals of the elements of a cause of action, supported by mere conclusory statements, do not suffice.” Iqbal, 556 U.S. at 678. At the motion to dismiss stage, the court considers whether plaintiff is entitled to offer evidence to support the allegations in the complaint. See Maio v. Aetna, Inc., 221 F.3d 472, 482 (3d Cir. 2000).

A complaint should only be dismissed if, accepting as true all of the allegations in the amended complaint, plaintiff has not pled enough facts to state a claim to relief that is plausible on its face. See Bell Atlantic Corp. v. Twombly, 550 U.S. 544, 561 (2007). “Determining whether a complaint states a plausible claim for relief will . . . be a context-specific task that requires the reviewing court to draw on its judicial experience and common sense.” Iqbal, 556 U.S. at 663-664.

“In considering a Rule 12(b)(6) motion, we must be mindful that federal courts require notice pleading, as opposed to the heightened standard of fact pleading.” Hellmann v. Kercher, No. 07-1373, 2008 WL 1969311 at * 3 (W.D. Pa. May 5, 2008) (Lancaster, J.). Federal Rule of Civil Procedure 8 "requires only a ‘short and plain statement of the claim showing that the pleader is entitled to relief, ' in order to 'give the defendant fair notice of what the…claim is and the grounds on which it rests.'" Twombly, 550 U.S. at 554 (quoting Conley v. Gibson, 355 U.S. 41, 47 (1957)). However, even under this lower notice pleading standard, a plaintiff must do more than recite the elements of a cause of action, and then make a blanket assertion of an entitlement to relief. See Hellmann, 2008 WL 1969311 at *3. Instead, a plaintiff must make a factual showing of his entitlement to relief by alleging sufficient facts that, when taken as true, suggest the required elements of a particular legal theory. See Twombly, 550 U.S. at 561. “[W]here the well-pleaded facts do not permit the court to infer more than the mere possibility of misconduct, the complaint has alleged - - but it has not “shown” - - “that the pleader is entitled to relief.” Iqbal, 556 U.S. at 679 (quoting Fed.R.Civ.P. 8(a)).

The failure-to-state-a-claim standard of Rule 12(b)(6) “streamlines litigation by dispensing with needless discovery and factfinding.” Neitzke v. Williams, 490 U.S. 319, 326-27 (1989). A court may dismiss a claim under Rule 12(b)(6) where there is a “dispositive issue of law.” Id. at 326. If it is beyond a doubt that the non-moving party can prove no set of facts in support of its allegations, then a claim must be dismissed “without ...

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