Justia U.S. 10th Circuit Court of Appeals Opinion Summaries

In New Mexico, title insurance is totally regulated by the state. Under its âTitle Insurance Act,â the state superintendent of insurance holds yearly public hearings to establish premium rates insurers can charge for title insurance. At the close of the hearings, a legal or âfiled rateâ is published by the agency. Once set, the filed rate is considered âper se reasonable and unassailable in judicial proceedings brought by ratepayers.â The policy behind the filed rate is to prevent price discrimination, preserve the role of agencies in approving rates and âto keep courts out of the rate-making process.â The New Mexico Insurance Code does not apply to title insurers except to the extent that the Title Insurance Act provides otherwise. Plaintiffs Coll and others brought suit alleging generally that the Title Insurance Act violates numerous New Mexico constitutional and statutory provisions precluding price fixing and creating monopolies. Plaintiffs also allege that the Insurer Defendants conspired with the insurance superintendent to establish a premium rate that is unreasonably high. Based on these theories, Plaintiffs sought declaratory and injunctive relief; compensatory, punitive and statutory damages; Defendantsâ disgorgement of their profits; and attorneysâ fees and costs. The lower court dismissed Plaintiffsâ claims with prejudice and remanded to state court all claims asserted against the state Defendants. The Tenth Circuit District Court agreed with the lower courtâs decision that the âfiled rateâ doctrine precluded Plaintiffsâ claims against the Defendants. The Court affirmed the district courtâs dismissal of Plaintiffs claims and remanded the case to the lower court for review of claims brought on state constitutional and procedural grounds.

A truck owned by Defendant-Appellant Blutone Enterprises was involved in an accident that resulted in personal injury to three people. Plaintiff-Appellee Mid-Continent Casualty Company brought suit seeking a declaratory judgment that at the time of the accident, the truck was not covered by its commercial vehicle policy, because the insurance cards issued to the vehicle did not actually list the vehicle on its face. Under "MAKE/MODEL" the card said "fleet." The cards were deemed inadmissible at trial because they could not be tied to the vehicle in the accident. Both parties sought judgment on whether the vehicle was covered as a "fleet" vehicle. At trial, the jury sided with Plaintiffs, and Defendants brought this appeal arguing that the identification cards should have been admitted at trial. After review of case, this Court affirmed the lower court's decision.