Electronically Filed - SUPREME COURT OF MISSOURI February 17, 2019 04:22 PM IN THE SUPREME COURT OF MISSOURI APPEAL NO. SC97511 LESLIE SEATON, Plaintiff/Respondent, v. SHELTER MUTUAL INSURANCE COMP ANY, Defendant/Appellant. ORIGINAL PROCEEDING FROM THE CIRCUIT COURT OF ST. LOUIS COUNTY CAUSE NUMBER 15SL-CC03927 TRANSFER FROM THE MISSOURI COURT OF APPEALS, EASTERN DISTRICT CAUSE NO. ED105895 SUBSTITUTE BRIEF OF RESPONDENT LESLIE SEATON Terry J. Flanagan #21648 Joseph L. Bauer, Jr. #24761 FLANAGAN & PEEL, P.C. THE BAUER LAW FIRM, LLC 133 South 11 th Street, Suite 350 133 South Eleventh Street, Suite 350 St. Louis, MO 63102 St. Louis, MO 63102 (314) 621-3743 (314) 259-7070 (314) 231-9552 Fax (314) 231-9552 Fax [email protected] [email protected] Attorneys for Respondent 1 Electronically Filed - SUPREME COURT OF MISSOURI February 17, 2019 04:22 PM TABLE OF CONTENTS TABLE OF AUTHORITIES ...................................................................... 3 JURISDICTIONAL STATEMENT .................................................................................... 6 STATEMENT OF FACTS .................................................................................................. 7 POINTS RELIED ON ....................................................................................................... 18 STANDARD OF REVIEW ............................................................................................... 20 ARGUMENT .......................................................................................25 POINT I .................................................................................................................. 25 POINT II ................................................................................................................. 34 POINT l11 ................................................................................................................ 41 POINT IV ............................................................................................................... 42 CONCLUSION .................................................................................................................. 43 CERTIFICATE OF COMPLIANCE ................................................................................. 45 CERTIFICATE OF SERVICE .......................................................................................... 46 2 Electronically Filed - SUPREME COURT OF MISSOURI February 17, 2019 04:22 PM TABLE OF AUTHORITIES CASE LAW American States Ins. Co. v. Memphis, 974 S.W.2d 647, 649 (Mo. App. 1998) ............27 Am. Std. Ins. Co. of Wis. v. Stinson, 404 S.W.3d 303, 307 n.2 (Mo. App. E.D. 2012) .... 26 Antrim v. Wolken, 228 S.W.3d 50, 51 (Mo. App. 2007) ....................................... .33 Boltv. Giordano, 310 S.W.3d 237 (Mo. App. E.D. 2010) .......................... .44, 45, 46 Burns v. Smith, 303 S.W.3d 505 (Mo. bane 2010) ................................23, 27, 28, 43 Carter v. Shelter Mut. Ins. Co., 516 S.W.3d 370(Mo. App. E.D. 2017) ................................................................................................... 21, 35, 36, 40, 57, 58 Case v. Universal Underwriters Insurance Company, 534 S.W.2d 635 (Mo.App.1976).41 Chamness v. American Family Mutual Insurance Co:., 226 S.W.3d 199 (Mo.App.2007) ..................................................................................28, 35 Citizens Nat'!. Bankv. Maries County Bank, 244 S.W.3d 266 (Mo. App. S.D. 2008) ....................................................................................46 Cobb v. State Security Insurance Co., 576 S.W.2d 726, 737 (Mo. bane 1979) ......... .42, 56 Dhyne v. State Farm Fire & Cas. Co., 188 S.W.3d 454 (Mo. bane 2006) ..................26 Estate ofDawes v. Dawes, 891 S.W.2d 510, 513 & 526, fn. 2 (Mo. App. 1994) ..........................................................................................33 Fanning v. Progressive Northwestern Ins. Co., 412 S.W.3d 360, 364 (Mo. App. W.D. 2013) ........................................................................ 19, 20 Farm Bureau Town and Country Ins. Co. ofMo. v. Schmidt, 751 S.W.2d 375, 376 (Mo. bane 1998) ...............................................................28 3 Electronically Filed - SUPREME COURT OF MISSOURI February 17, 2019 04:22 PM First Nat'! Bank ofAnnapolis, NA., v. Jefferson Ins. Co. ofNew York, 891 S.W.2d 140 (Mo. App. S.D. 1995) ................................................................................26 Floyd-Tunnel v. Shelter Mut. Ins. Co., 439 S.W.3d 215 (Mo. bane 2014) ..... .48, 49, 50, 51 Geico Cas. Co. v. Clampitt, 521 S.W.3d 290 (Mo. App. E.D ..................................... .48, 49 Golden Rule Ins. Co. v. R.S., 368 S.W.3d 327, 334 (Mo. App. W.D. 2012) ................. 19 Henges Mfg., LLCv. Amerisure Ins. Co., 5 S.W.3d 544,545 (Mo. App. 1999) ........27, 28 ITT Commercial Fin. Corp. v. Mid-Am. Marine Supply Corp., 854 S.W.2d 371 (Mo. bane 1993) .............................................................................25, 26, 55 Ivie v. Smith, 439 S.W.3d 189 (Mo. bane 2014) ................................................... 33 Jackson v. Cannon, 147 S.W.3d 168 (Mo. App. S.D. 2004) .................................... .45 JTL Consulting, LLC v. Shanahan, 190 S.W.3d 389,395 (Mo. App. E.D. 2006) ............ .19 Kennedyv. Safeco Ins. Co. ofIllinois, 413 S.W.3d 14, 17 (Mo. App. S.D. 2013) ............ .49 Lair v. American Family Mutual Ins. Co., 789 S.W.2d 30 (Mo bane 1990) .................. 58 Lang v. Nationwide Mut. Fire Ins. Co., 970 S.W.2d 828 (Mo. App. E.D. 1998) ..................................................................................................... 25 Lawson v. Progressive Cas. Ins. Co., 527 S.W.3d 198 (Mo. App. E.D. 2017) .......23,52, 54 Lightner v. Farmers Insurance Co., 789 S.W.2d 487 (Mo. 1990) ..............................................................23, 24, 40, 41, 42, 43, 56,58 Lonero v. Dillick, 208 S.W.3d 323,327 (Mo. App. E.D. 2006) ................................. 19 Long v. Shelter Insurance Companies, 351 S.W.3d 692 (Mo. App. 2011) .......... .19, 28, 35 Lopez v. Am. Family Mut. Ins. Co., 96 S.W.3d 891 (Mo. App. W.D. 2002) ...................25 Martin v. US. Fidelity & Guaranty Co., 996 S.W.2d 506, 508 (Mo. bane 1999) ........ 27, 28 4 Electronically Filed - SUPREME COURT OF MISSOURI February 17, 2019 04:22 PM Maxam v. Amer. Fam. Mut. Ins. Co., 504 S.W.3d 124, 127 (Mo. App. W.D. 2016) .........20 McRaven v. F-Stop Photo Labs, Inc., 660 S.W.2d 459,462 (Mo.App.1983) ............... .43 Nationwide Ins. Co. ofAm. v. Thomas, 487 S.W.3d 9 (Mo. App. E.D. 2016) ..................................................... 17, 23, 24, 29, 31, 51, 59 Niswonger v. Farm Bureau Town & Country Ins. Co., 992 S.W.2d 308 (Mo. App. E.D. 1999) ................................................................. 21, 25, 38, 56 Okello v. Beebe, 930 S.W.2d 40, 43 (Mo.App. W.D.1996) ..................................... .45 Owners Ins. Co. v. Craig, 514 S.W.3d 614 (Mo. bane 2017) ......................... 37, 40, 48, 49 Pruitt v. Farmers Ins. Co., 950 S.W.2d 659,664 (Mo. App. S.D. 1997) ..................... 19 Rice v. Farmers & Merchs. Ins. Co., 800 S. W.2d 96 (Mo. App. S.D. 1990) ................................................................................ 45 Rodriguez v. Gen. Accident Ins. Co., 808 S.W.2d 379 (Mo. Banc 1991) ..................... 59 Seeckv. Geico Gen. Ins. Co., 212 S.W.3d 129 (Mo. bane 2007) ....................25, 27, 28 Shahan v. Shahan, 988 S.W.2d 529,535 (Mo. bane 1999) .....................................27 Shivers v. Carr, 219 S.W.3d 301 (Mo. App. S.D. 2007) ...................................... .45 Simmons v. Farmers Insurance Company, Inc., 479 S.W.3d 671 (Mo. App. E.D. 2015) ..........................................................................29, 31 Spychalski v. MFA Life Insurance Company, 620 S.W.2d 388,396 (Mo.App.1981) ..... .43 Standard Artificial Limbs, Inc. v. Allianz Ins. Co . , 895 S. W.2d 205, 209 (Mo. App. 1995) ...............................................................................28, 54 State v. Glenn, 423 S.W.2d 770, 774 (Mo.1968) .................................................45 Stiers v. Director ofRevenue, 477 S.W.3d 611, 615 (Mo. bane 2016) ..................43, 44 Swadleyv. Shelter Mut. Ins. Co., 513 S.W.3d 355 (Mo. bane 2017) ........... ".".25, 48, 52 5 Electronically Filed - SUPREME COURT OF MISSOURI February 17, 2019 04:22 PM Taylor v. Owners Ins. Co., 499 S.W.3d 351 (Mo. App W.D. 2016) .................................................. 21, 22, 35, 36, 40, 59, 60 Tucker v. Government Employees Insurance Co., 288 So.2d 238 (Fla.1973) ............. 56 United States Fidelity and Guarantee Company v. Safeco Insurance Company ofAmerica, 522 S.W.2d 809 (Mo. bane 1975) ............................................................... .42 Varble v. Stanley, 306 S.W.2d 662, 664-665 (Mo. App. 1957) .............................. 28 Wilson v. American Family Mutual Ins. Co., 472 S.W.3d 579 (Mo. App. W.D. 2015) ............................................................................ 27 Wood v. American Family Mutual Insurance Co., 436 N.W.2d 594, 599 (Wis.1989) ........................................................................................ 57 STATUTES Mo. Rev. Stat. §301.190 ....................................................................45, 46 Mo. Rev. Stat. §301.210 ............................................................... .44, 45, 46 MISSOURI REGULATIONS 12 CSR 10-23.130 .......................................................................44,