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09/21/93 S. A. v. GEORGE L. JODOIN

September 21, 1993

S. A., ET AL., RESPONDENTS,
v.
GEORGE L. JODOIN, DEFENDANT, AMERICAN STATES INSURANCE, GARNISHEE-APPELLANT.



APPEAL FROM THE CIRCUIT COURT OF JOHNSON COUNTY. The Honorable Carl Dewitt Gum, Jr., Judge

Before Ulrich, P.j.; Shangler and Fenner, JJ.

The opinion of the court was delivered by: Ulrich

American States Insurance Company (American States) appealed from the October 28, 1991, order of the Circuit Court of Johnson County to pay into the court the proceeds of a garnishment in aid of execution of a judgment in favor of S.A., a minor, and her parents ("Respondents"). The underlying civil judgment emanated from George L. Jodoin's unlawful sexual contact with S.A., a four-year-old female. This court's opinion of December 8, 1992, affirmed the trial court's judgment ordering American States to pay into court the proceeds of a $100,000 homeowner's insurance policy issued by American States insuring George Jodoin, thereby applying the proceeds of the policy to respondents' judgment.

American States timely filed its motion for rehearing, or in the alternative, motion for rehearing en banc, or in the alternative, application for transfer to the Missouri Supreme Court pursuant to Rule 83.02 and 84.17. American States' motion for rehearing contended that, contrary to court's statement in its opinion, American States had submitted on appeal a transcript of the hearing conducted by the trial court on October 28, 1991, wherein the trial court called for hearing the denial of American States that its insurance policy was subject to garnishment for the judgment against George Jodoin in favor of respondents. American States' motion for rehearing is granted without reargument, and additional briefing is not required. The December 8, 1992, opinion of this court is withdrawn, and this opinion is entered.

American States claims on appeal that the trial court erred in finding American States' homeowner's insurance policy with George Jodoin applied to Respondents' judgment, averring such finding (1) disregarded the clear and unambiguous language of the policy and (2) violates the clear public policy of Missouri. American States also claims that (3) it was denied due process by not receiving notice of the hearing at which the trial court considered the issue of coverage.

Respondents move to dismiss the appeal claiming that it is taken from an interlocutory order and not a final judgment. The motion to dismiss is granted, and the case is remanded with directions.

Between the dates of May 1, 1988, and August 30, 1988, George Jodoin had deviate sexual intercourse on several occasions with four-year-old S.A. Mr. Jodoin was charged with violating section 566.060, RSMo 1986, (deviate sexual intercourse), a felony, and on January 29, 1990, he pleaded guilty to the charge. On February 15, 1990, Respondents, S.A., by next friend, and her parents, filed a five-count petition against George Jodoin for negligent and intentional infliction of emotional distress and assault and battery. On April 25, 1990, Respondents requested leave to file an amended petition which abandoned allegations of intentional tort and alleged in Count I that Mr. Jodoin negligently and carelessly touched, kissed, licked, and sodomized S.A., thereby causing bodily harm and injury and emotional distress to her, and in Count II that Mr. Jodoin negligently and carelessly caused emotional distress and bodily harm and injury to S.A.'s parents.

When Mr. Jodoin committed his criminal acts, a homeowner's insurance policy, issued to Mr. Jodoin by American States, was in force. The insurance policy provided personal liability insurance of $100,000.00 for any claim or suit brought against the insured for damages because of personal injury. The policy contained an exclusion denying coverage for bodily injury "which is expected or intended by the insured" but stated that the exclusion did not apply to "an act committed by or at the direction of the insured not intended to cause serious bodily injury." American States agreed in the policy to defend any claim or suit brought against the insured for personal injury damages covered by the policy "even if the suit is groundless, false, or fraudulent."

Mr. Jodoin notified American States of the Respondents' suit against him. On May 3, 1990, Mr. Jodoin's personal attorney tendered the amended suit to American States for defense pursuant to its homeowner's policy insuring Mr. Jodoin.

American States acted to determine whether the insurance policy compelled the company to indemnify any judgment which might result from the suit against Mr. Jodoin. On June 8, 1990, American States instituted a declaratory judgment action to determine whether the insurance policy provided coverage for Mr. Jodoin's acts which prompted suit and whether American States had a duty to defend Mr. Jodoin. On June 13, 1990, American States filed a motion to intervene in the Respondents' personal injury suit against Mr. Jodoin to stay those proceedings pending the declaratory judgment action. The trial court allowed American States to intervene for the limited purpose to seek a stay. On June 29, 1990, American States filed its application to stay the proceedings, which the trial court denied. American States did not appeal the denial.

American States offered to defend only the negligence count of the original petition, which alleged intentional tort and negligence under a reservation of rights. Mr. Jodoin refused to accept American States' defense unless American States withdrew its reservation and defended him on all alleged counts without limitation. Accordingly, on July 25, 1990, at Mr. Jodoin's request, American States formally withdrew its representation of Mr. Jodoin on the negligence counts.

On November 14, 1990, Counts III through V of Respondents' amended suit (those counts pleading intentional torts) were voluntarily dismissed without prejudice, leaving only the negligence counts. On November 28, 1990, Respondents' two-count petition was tried to the court. Mr. Jodoin appeared by his personal counsel. After hearing the evidence, the trial court entered judgment in favor of S.A. in the amount of $500,000.00 and in favor of her parents in the amount of $150,000.00. Mr. Jodoin neither filed post-trial motions, nor did he appeal the judgment.

On July 8, 1991, American States voluntarily dismissed its declaratory judgment case that had been scheduled for trial July 10, 1991. The trial court in the declaratory judgment case entered its order September 9, 1991, dismissing the case. The trial court stated in the record, "The court finds the conduct of the plaintiff American States Insurance Company in dismissing this case and refiling in the Federal Court after over a year of extensive litigation and discovery to be unconscionable and a misuse of the judicial process." *fn1

On September 24, 1991, Respondents requested an "Execution/Garnishment" directed to American States to partially collect their November 24, 1991, judgment against Mr. Jodoin and simultaneously served interrogatories on American States. American States subsequently served its answers upon Respondents. In its answers, American States admitted the existence of Mr. Jodoin's homeowner's liability coverage of $100,000.00 but denied the coverage applied to Respondents' final ...


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