Orlando v. Liburd

Excerpt

The plaintiff appealed, on the granting of certification, from the judgment of the Appellate Court, which had affirmed the trial court's partial judgment in favor of N Co., the plaintiff's automobile insurer. The plaintiff had brought an action against the defendant L, seeking damages for, inter alia, diminution of value and loss of use of his vehicle in connection with an automobile accident allegedly caused by L's negligence. Thereafter, L impleaded N Co. and alleged that his insurer, S Co., had tendered to N Co. $25,000, which was the full liability coverage limit for property damage under L's insurance policy, based on N Co.'s alleged misrepresentation that the plaintiff had been made whole. The plaintiff subsequently filed an amended complaint, alleging, inter alia, that N Co. was unjustly enriched when it prematurely accepted the $25,000 from S Co. and thereby reduced the amount of funds that otherwise would have been available to indemnify L in the plaintiff's negligence action, in violation of the make whole doctrine, which restricts an insurer's ability to enforce its right to subrogation until after the insured has been fully compensated, or made whole, for the insured's loss. The trial court ultimately dismissed the plaintiff's unjust enrichment claim against N Co. as not ripe for adjudication. In affirming the trial court's partial judgment of dismissal, the Appellate Court concluded that the unjust enrichment claim was not ripe until the plaintiff first obtained a judgment against L because that claim was otherwise contingent on whether and to what extent the plaintiff could recover from L and on L's ability to satisfy the hypothetical judgment. On appeal to this court, the plaintiff claimed, inter alia, that his unjust enrichment claim was ripe for adjudication. Held: The Appellate Court improperly upheld the trial court's dismissal of the plaintiff's unjust enrichment claim on ripeness grounds, and, accordingly, this court reversed the Appellate Court