                             Eladio RUIZ de MOLINA, Plaintiff-Appellant,

                                                     v.

   MERRITT & FURMAN INSURANCE AGENCY, INC., a corporation; Skip Smith, Defendants-
Appellees,

     Worldwide Marine Underwriters, a corporation; Bob Luellen, an individual, Defendants-Cross
Defendants-Appellees.

                                      Eladio Ruiz de Molina, Plaintiff,

                                                     v.

 Merritt & Furman Insurance Agency, Inc., a corporation; Skip Smith, an individual, Defendants-Cross-
Claimants-Appellants,

    Worldwide Marine Underwriters, a corporation; Bob Luellen, an individual, Defendants-Cross-
Defendants-Appellees.

                                          Nos. 98-6958, 98-6975.

                                      United States Court of Appeals,

                                             Eleventh Circuit.

                                              March 30, 2000.

Appeals from the United States District Court for the Northern District of Alabama. (No. 96-03166-CV-N-S),
Edwin L. Nelson, Judge.

Before ANDERSON, Chief Judge, WILSON, Circuit Judge, and HILL, Senior Circuit Judge.

        HILL, Senior Circuit Judge:

        Plaintiff sued defendants for damages incurred when his boat was damaged and defendants denied

insurance coverage. Two defendants moved to dismiss for lack of personal jurisdiction. The district court

construed the motion as one for summary judgment and granted it. After trial, plaintiff won a judgment

against the remaining defendants and was awarded damages including $90,000 for mental anguish. Upon

motion, the district court struck the mental anguish damages. Plaintiff appeals both judgments.

                                                     I.
        Eladio Ruiz de Molina purchased a sloop named Ariel in June of 1994.1 The boat was moored in

Alabama at the time and was part of a fleet of charter boats. In August or September of 1995, Ruiz de Molina

telephoned Frank Smith, an insurance broker, at his office in Pompano Beach, Florida to inquire about

insurance for the boat were it moored in Mexico. Smith contacted Robert Luellen, an insurance broker who

worked for Worldwide Underwriters Marine, Inc. (Worldwide Marine) in Michigan, and obtained a verbal

quote, followed by a fax, for insurance for the boat if moored in Mexico. Smith transmitted the quote to Ruiz

de Molina in Alabama. Sometime later, Ruiz de Molina decided to moor the boat in Ft. Myers, Florida

instead of Mexico. In early December 1995, he again contacted Smith and requested that insurance be bound

on the boat with a mooring in Florida. He asked Smith to provide him with a written binder setting forth the

coverage obtained. Smith contacted Luellen to obtain a new quote for the premium and, on December 6, sent

a fax to Luellen in Michigan requesting that coverage be bound. According to Smith, he had several phone

conversations that day with Luellen in Michigan concerning the placement of this coverage and Luellen

informed him that a binder could be issued to Ruiz de Molina. Following these conversations, Smith faxed

a binder to Ruiz de Molina in Alabama. The binder indicated that the coverage would be effective that day,

December 6, 1995.

        On December 8, 1995, Ruiz de Molina set sail from Alabama destined for Ft. Myers, Florida. On

or about December 9, 1995, the boat was damaged at sea. On December 11, 1995, Ruiz de Molina telephoned

Smith in Pompano Beach, Florida, and reported the loss. Smith faxed a notice of the claim to Luellen in

Michigan. Later that day, Luellen and Smith discussed the claim by telephone. After these discussions,

Luellen telephoned an insurance broker in Georgia and obtained coverage for the boat as of December 12,

1995, with an effective date of December 6, 1995, provided no known or reported losses had occurred.

Sometime in January 1996, an employee of Worldwide Marine telephoned Ruiz de Molina and told him that


    1
     Although the district court treated the motion to dismiss as one for summary judgment, Fed.R.Civ.P.
12(b), we still assume the allegations of ultimate fact to be true for the purposes of resolving the motion. See
Cox v. Administrator U.S. Steel & Carnegie, 17 F.3d 1386, 1400 (11th Cir.1994).

                                                       2
he would "help the plaintiff get his boat repaired" and that he was helping Smith. Subsequently, however,

Luellen told Ruiz de Molina that he had no effective coverage through Worldwide Marine at the time of the

damage to the boat.

         Ruiz de Molina filed this action against Luellen and Worldwide Marine, alleging that they had misled

him into believing that his coverage was bound as of December 6, 1995. He claimed that defendants had

negligently, wantonly, willfully or recklessly caused him to be denied benefits under the policy of insurance.

He also claimed that defendants had defrauded him concerning his coverage and that they had acted in bad

faith.

         He also named Frank Smith and the Merritt & Furman Insurance Agency, Inc. (Merritt & Furman)

as defendants. He alleged that these defendants had breached their contract to procure insurance for him and

that they were also guilty of negligence and innocent misrepresentation with respect to the effective date of

the coverage.

         Luellen and Worldwide Marine moved to dismiss the complaint on the grounds that the district court

lacked personal jurisdiction over them because they had insufficient contact with Alabama. The district court

converted the motion into one for summary judgment, see Fed.R.Civ.P. 12(b); Fikes v. City of Daphne, 79

F.3d 1079, 1083 (11th Cir.1996), and granted it. The first issue on appeal is whether the district court erred

in so doing. We review the grant of summary judgment de novo. Alexander Proudfoot Co. World

Headquarters v. Thayer, 877 F.2d 912, 916 (11th Cir.1989).2

         The case proceeded to trial against the remaining defendants—Smith and his agency, Merritt &

Furman. The jury found Merritt & Furman liable for breach of contract and both Smith and Merritt &

Furman liable for negligence and innocent misrepresentation. The jury awarded damages, including $90,000

for mental anguish. The second issue on appeal is whether the jury's verdict can support the award for mental




   2
    Merritt & Furman also cross-claimed against Luellen and Worldwide Marine and appeals their dismissal
as well.

                                                      3
anguish. We review this issue of law de novo. Hibiscus Assocs. Ltd. v. Bd. of Trustees of Policemen and

Firemen Retirement Sys., 50 F.3d 908, 920 (11th Cir.1995).

                                                       II.

A.      Personal Jurisdiction

         A federal court sitting in diversity may exercise jurisdiction over a nonresident defendant to the same

extent as a court of that state. Prejean v. Sonatrach, Inc., 652 F.2d 1260 (5th Cir. Unit A 1981). Alabama

permits its courts to exercise jurisdiction over nonresidents to the fullest extent allowed under the Due Process

Clause of the Fourteenth Amendment to the Constitution. Ala. R. Civ. P. 4.2(a)(2)(I); Martin v. Robbins,

628 So.2d 614, 617 (Ala.1993); Horn v. Effort Shipping Co., Ltd., 777 F.Supp. 927, 929 (S.D.Ala.1991).

The Due Process Clause permits a court to summon a nonresident to defend himself in the forum so long as

that person has some "minimum contacts" with that state and, the exercise of personal jurisdiction over the

defendant would not offend "traditional notions of fair play and substantial justice." International Shoe Co.

v. Washington, 326 U.S. 310, 316, 66 S.Ct. 154, 90 L.Ed. 95 (1945); Williams Elec. Co. v. Honeywell, Inc.,

854 F.2d 389, 392 (11th Cir.1988).

         The nonresident defendant's contacts with the forum must be such that he has "fair warning" that a

particular activity may subject him to the jurisdiction of a foreign sovereign. Burger King Corp. v.

Rudzewicz, 471 U.S. 462, 472, 105 S.Ct. 2174, 85 L.Ed.2d 528 (1985). A person has fair warning if he

"purposefully directs" his activities at the forum, and claims of injury result from these activities. Id. The

exercise of jurisdiction over him does not "offend traditional notions of fair play and substantial justice"

because his conduct and connection with the forum are such that he should reasonably anticipated being haled

into court there. Id. The Supreme Court has made very clear that:

        [i]t is essential in each case that there be some act by which the defendant purposefully avails itself
        of the privilege of conducting activities within the forum State, thus invoking the benefits and
        protections of its laws.




                                                       4
Hanson v. Denckla, 357 U.S. 235, 253, 78 S.Ct. 1228, 2 L.Ed.2d 1283 (1958); Francosteel Corp. v. M/V

Charm, 19 F.3d 624, 627 (11th Cir.1994) (quoting Vermeulen v. Renault, U.S.A., Inc., 985 F.2d 1534, 1546

(11th Cir.1993)).

         In resolving a motion for summary judgment based upon lack of personal jurisdiction, the court is

required to accept as true the allegations of plaintiff's complaint, and deny the motion if these allegations state

a prima facie case of jurisdiction. Bracewell v. Nicholson Air Services, Inc., 748 F.2d 1499, 1504 (11th

Cir.1984). If there is conflict between the plaintiff's and the defendant's allegations or in the evidence, the

plaintiff's evidence is to be believed and all reasonable inferences must be drawn in his favor. Anderson v.

Liberty Lobby, Inc., 477 U.S. 242, 255, 106 S.Ct. 2505, 91 L.Ed.2d 202 (1986); Madara v. Hall, 916 F.2d

1510, 1514 (11th Cir.1990).

         Furthermore, it is important to remember that the conduct at issue is that of the defendants. No

plaintiff can establish jurisdiction over a defendant through his own actions. Hanson, 357 U.S. at 253, 78

S.Ct. 1228. The unilateral activity of those who claim some relationship with a nonresident defendant cannot

satisfy the requirement of contact with the forum state. Id. Therefore, we must determine what these

defendants did to purposefully avail themselves of the benefits of doing business in Alabama such that the

notions of reasonableness and fairness are not offended by requiring them to defend themselves in an

Alabama court.

        Defendants Luellen and Worldwide Marine are insurance brokers. They were contacted by Smith,

the insurance broker in Florida, to locate marine insurance for Ruiz de Molina's boat anchored in Alabama.

Ruiz de Molina contends that jurisdiction in Alabama is proper because these defendants "expected to make

a commission off selling an insurance policy to an Alabama resident that covered a boat that would be

departing an Alabama port once a binder was issued." Ruiz de Molina argues that Worldwide Marine and

Luellen foresaw or should have foreseen that they would be called upon to defend themselves in an Alabama

court against a claim of fraud arising out of the issuance of the binder.



                                                        5
        Luellen and Worldwide Marine concede that they were in the business of brokering insurance, that

they communicated with Smith and agreed to procure insurance for the boat, and that they knew the boat was

owned by an Alabama resident and anchored in Alabama. Nevertheless, because they never had any direct

contact whatsoever with Ruiz de Molina in Alabama and all of their dealings were with Smith in Florida, they

argue that they did not have the necessary "minimum contacts" with Alabama to support its exercise of

jurisdiction over them.

         We disagree. Although it is true that these defendants had no direct contact whatsoever with

Alabama in connection with these events, the following facts are assumed to be true for the purposes of this

motion: Luellen and Worldwide Marine chose to do business with an Alabama resident; they expected to

receive a benefit from that business; they knew that the insurance they were procuring was for a boat owned

by an Alabama resident which was located in Alabama and which would necessarily traverse Alabama waters;

they undertook to and did procure insurance for the boat; they authorized Smith to issue a binder for that

insurance and to send it to Ruiz de Molina in Alabama; and they received a commission from the insurance

premium. If proved at trial, these facts are sufficient to establish that Luellen and Worldwide Marine

purposefully availed themselves of the opportunity to do business with an Alabama resident in Alabama.3

Since plaintiff's claim arises out of defendants' forum-related activities—the procurement of his insurance

policy—jurisdiction over them for this specific claim is appropriate.4

        Defendants' contention that Ruiz de Molina must come to Michigan to assert his claim against them

because they had no direct contact with him in Alabama prior to the loss is without merit. Direct contact by


   3
    For a case finding personal jurisdiction on very similar facts, see Port Lynch, Inc. v. New England Int'l
Surety Inc., 1990 A.M.C. (W.D.Wash.1990).

   4
     If a person has only "minimal contacts" with the forum, the court may summon him to defend himself
in that forum only so long as the cause of action is related to his specific contacts with that forum.
Helicopteros Nacionales de Colombia v. Hall, 466 U.S. 408, 414 nn. 8, 9, 104 S.Ct. 1868, 80 L.Ed.2d 404
(1984). Of course, a court may summon a nonresident to answer claims unrelated to his contacts with the
forum so long as those contacts are substantial, persistent, continuous and systematic. Id. Ruiz de Molina
makes no argument that these defendants are subject to such general jurisdiction.

                                                     6
a nonresident defendant with the forum is not required. The Supreme Court has held that a nonresident

defendant may be subject to specific jurisdiction even if his actions giving rise to the suit occurred outside

the forum state and he had no direct contact with the plaintiff. World-Wide Volkswagen Corp. v. Woodson,

444 U.S. 286, 298, 100 S.Ct. 559, 62 L.Ed.2d 490 (1980). The Court stated that the "forum State does not

exceed its powers under the Due Process Clause if it asserts personal jurisdiction over a corporation that

delivers its product into the stream of commerce with the expectation that it will be purchased by consumers

in the forum State." Id.

         The stream of commerce test for jurisdiction is met if the nonresident's product is purchased by or

delivered to a consumer in the forum state, so long as the nonresidents's conduct and connection with the

forum state are such that he should reasonably anticipate being haled into court there for claims arising out

of that conduct. Id. In this case, even Luellen and Worldwide do not dispute that they put the insurance

policy into the stream of commerce knowing full well that it was to be purchased by and delivered to an

Alabama resident for a boat anchored in Alabama which would, of necessity, move in Alabama waters.

         Furthermore, Luellen and Worldwide Marine are not charged with mere negligence; they are charged

with fraud and fraudulent deceit. See Ala.Code §§ 6-5-101, 6-5-103, 6-5-104 (1975). Assuming the

allegations of the complaint to be true, Luellen and Worldwide Marine should certainly have anticipated

being haled into an Alabama court should a claim arise out of their conduct. See Shrout v. Thorsen, 470

So.2d 1222, 1224 (Ala.1985) (defendant charged with fraud knew or should have known what the

consequences of his actions would be, and must certainly have expected that a suit would be filed against him

in Alabama). The Supreme Court has recognized the significance of the circumstances under which a

plaintiff's claim arises:

         [The] petitioners are not charged with mere untargeted negligence. Rather, their intentional, and
         allegedly tortuous, actions were expressly aimed at [the forum].... And they knew that the brunt of
         that injury would be felt by respondent in the [forum].... An individual injured in [the forum] need
         not go to [the nonresident's state] to seek redress from persons who, though remaining in [their state],
         knowingly cause the injury in [the forum].



                                                       7
Calder v. Jones, 465 U.S. 783, 788, 104 S.Ct. 1482, 79 L.Ed.2d 804 (1984) (citations omitted). Under these

circumstances, we are satisfied that these defendants have sufficient contacts with Alabama to justify

Alabama's exercise of jurisdiction over them.

         Furthermore, traditional notions of fair play and substantial justice are not offended by permitting

jurisdiction in Alabama. Once it is decided that defendants have at least minimum contacts with a forum, the

burden is on the defendants to show that the imposition of jurisdiction in the forum is unreasonable. Several

factors are relevant to this showing: (1) the defendant's burden; (2) the forum state's interest; (3) the

plaintiff's interest in convenient and effective relief; (4) the judicial system's interest in efficient resolution

of controversies; and (5) the state's shared interest in furthering fundamental social policies. Burger King,

471 U.S. at 477, 105 S.Ct. 2174; World-Wide Volkswagen, 444 U.S. at 292, 100 S.Ct. 559; Madara, 916

F.2d at 1517.

          Our review of these factors leads us to conclude that the exercise of jurisdiction over these

defendants is not unreasonable. Alabama has a substantial interest in providing an effective means of

recovery for a resident who has been damaged in these circumstances. See Shrout, 470 So.2d at 1225. Ruiz

de Molina also has a very significant interest in obtaining convenient and effective relief. Indeed, if the

allegations of the complaint are true and service of process were not permitted, these defendants would be

immunized to a significant extent from the consequences of their actions. Id. Furthermore, we note that the

judicial system has a strong interest in resolving this litigation in one piece, instead of piecemeal—part in

Alabama, part in Michigan. Finally, although defendant objects to the inconvenience of defending in a

foreign jurisdiction, a corporation doing business all over the southeast United States may be required to bear

that risk. We conclude that the requirements of "fair play and substantial justice" do not defeat the

reasonableness of asserting personal jurisdiction in this case. See Madara, 916 F.2d at 1517 (citing Burger

King, 471 U.S. at 477-78, 105 S.Ct. 2174). In fact, because these considerations serve to establish the




                                                        8
reasonableness of jurisdiction in this case, a lesser showing of minimum contacts than otherwise would be

required is sufficient. Id. (citing Burger King, 471 U.S. at 477, 105 S.Ct. 2174).

B.      Mental Anguish Damages

        The jury awarded Ruiz de Molina $90,000 in damages for mental anguish suffered as a result of his

loss. After trial, defendants moved to reduce the judgment by this amount. They argued that Alabama law

does not permit damages for mental anguish for any of the claims on which the jury found them liable. Ruiz

de Molina concedes that neither the negligence nor the innocent misrepresentation claim is capable of

supporting an award of damages for mental anguish. See Pacific Mut. Life Ins. Co. v. Haslip, 553 So.2d 537,

540 (Ala.1989) (mental anguish damages not available for negligent fraud). He argues, however, that the

jury's finding of a breach of contract does allow them to award these damages.

         In Alabama, "[i]t is settled that the law in this state does not permit recovery for personal injury,

inconvenience, annoyance or mental anguish and suffering in an action for breach of a contract of insurance."

 Vincent v. Blue Cross-Blue Shield, Inc., 373 So.2d 1054, 1056 (Ala.1979). Alabama does, however,

recognize a limited exception to this rule. Under Alabama law, "[d]amages for mental anguish can be

recovered ... where the contractual duty or obligation is so coupled with matters of mental concern or

solicitude, or with the feelings of the party to whom the duty is owed, that a breach of that duty will

necessarily or reasonably result in mental anguish or suffering." Liberty Homes, Inc. v. Epperson, 581 So.2d

449, 454 (Ala.1991) (quoting F. Becker Asphaltum Roofing Co. v. Murphy, 224 Ala. 655, 141 So. 630, 631

(1932)). Ruiz de Molina contends that his loss fits within this exception and that he is entitled to the mental

anguish damages awarded by the jury.

        We disagree. The majority of the cases in which a plaintiff has been allowed to recover damages for

mental anguish involved actions on "contracts for the repair or construction of a house or dwelling or the

delivery of utilities thereto, where the breach affected habitability." See, e.g., Epperson, 581 So.2d at 454;

Orkin Exterminating Co. v. Donavan, 519 So.2d 1330 (Ala.1988); Lawler Mobile Homes, Inc. v. Tarver, 492



                                                      9
So.2d 297 (Ala.1986); Alabama Power Co. v. Harmon, 483 So.2d 386 (Ala.1986). Because a person's home

is said to be his "castle" and the "largest single individual investment the average American family will

make," these contracts are "so coupled with matters of mental concern or solicitude or with the feelings of

the party to whom the duty is owed, that a breach of that duty will necessarily or reasonably result in mental

anguish or suffering." B & M Homes, Inc. v. Hogan, 376 So.2d 667, 671-72 (Ala.1979). Where such a

contractual duty breached, the Alabama Supreme Court has said that "it is just that damages therefor be taken

into consideration and awarded." Id. at 671.

        A smaller number of cases has permitted such recovery in actions involving the burial of loved ones,

suits based on a physician's promises to deliver a child, and claims based on the breach of a new car warranty

where the owner suffers significant fear, anxiety, and embarrassment. See Taylor v. Baptist Medical Center,

Inc., 400 So.2d 369 (Ala.1981); Volkswagen of America, Inc. v. Dillard, 579 So.2d 1301 (Ala.1991).

         The Alabama Supreme Court has made very clear, however, that all these cases represent an

exception to the general rule prohibiting mental anguish damages for breach of contract. These cases deserve

special treatment because it is highly foreseeable that egregious breaches of certain contracts—involving one's

home or deceased loved one, for example—will result in significant emotional distress. See Sexton v. St.

Clair Federal Sav. Bank, 653 So.2d 959, 962 (Ala.1995). The contractual duties imposed by these contracts

are so sensitive that a breach will necessarily and foreseeably result in mental anguish. Orkin Exterminating,

519 So.2d at 1333.

        This special treatment does not extend, however, to cases involving contracts to insure pleasure boats.

Wellcraft Marine v. Zarzour, 577 So.2d 414, 419 (Ala.1990). In Zarzour, the Alabama Supreme Court

expressly rejected the plaintiff's invitation to extend this narrow exception for especially sensitive contractual

duties to a contract for the sale of a boat. Id. In declining to do so, the court held that a contract for the sale

of a boat is not "so related to matters of mental concern or solicitude as to bring it within the ... exception to

the rule." Id. (quoting B & M Homes, 376 So.2d at 667).



                                                        10
          Ruiz de Molina attempts to distinguish Zarzour on the grounds that it does not apply to this case

because it concerned a sales contract rather than a contract of insurance.5 He contends that "property

insurance policies are one of the types of contracts that are 'coupled with matters of mental solicitude'." He

finds support for this theory in Independent Fire Ins. Co. v. Lunsford, 621 So.2d 977 (Ala.1993), in which

the Alabama Supreme court approved an award of mental anguish damages to the Lunsfords when their

insurer failed to pay them for damage on their mobile home. The court allowed the award to stand despite

the fact that the mobile home was not the Lunsford's primary residence. Ruiz de Molina argues that this case

established that Alabama law permits a plaintiff to recover mental anguish damages for the breach of any

insurance policy.6

          We disagree. The Alabama Supreme Court in Lunsford did no more than to affirm an award of

mental anguish damages for breach of an insurance contract on a mobile home. The court specifically noted

that even though the mobile home was not the primary residence of the Lunsfords, it was, nonetheless, used

by their relatives. 621 So.2d at 977.

          We do not think that the Lunsford court intended their decision to broaden the narrow exception

permitting mental anguish damages for breach of especially sensitive duties. On the contrary, the Alabama



   5
     We are puzzled at this distinction since it is in the context of sales contracts that the Alabama Supreme
Court first created the exception permitting mental anguish damages. See, e.g., Epperson, 581 So.2d at 454;
Orkin, 519 So.2d at 1330; Tarver, 492 So.2d at 297; Harmon, 483 So.2d at 386; B & M Homes, 376 So.2d
at 671-72.
    6
       Ruiz de Molina argues that:

                          [i]ndividuals, like the Lunsfords ... and Eladio Ruiz [de Molina], purchase property
                  insurance to provide them with a degree of mental solicitude in the event of a loss. Without
                  undue hassle, the insurance company is to pay the benefits due under the policy. There
                  should be no need to fight the insurer and to cope with the stress accompanying such a fight
                  while endeavoring to deal with the other stress caused by the loss. When buying the policy,
                  the insureds thought that they were purchasing a certain degree of emotional peace, as well
                  as financial security, in the event of a covered loss.... [T]he Supreme Court of Alabama has
                  decided that such insurance contracts come within the exception to the general rule that
                  damages for mental anguish are not recoverable in a breach of contract action.

                                                      11
Supreme Court has made clear that it is not eager to "widen the breach in the general rule [prohibiting such

damages]." Volkswagen of America, Inc. v. Dillard, 579 So.2d 1301, 1304 (Ala.1991). The court has

permitted recovery of mental anguish damages only in those cases involving breaches of contracts involving

emotionally-freighted duties, such as the contract to insure a home. The insurer of homes assumes

"contractual duties ... so coupled with matters of mental solicitude as to the duty that is owed, that a breach

of that duty will necessarily or reasonably result in mental anguish." See Orkin, 519 So.2d at 1330.

        We conclude, therefore, that Lunsford did not overrule Zarzour. Nor did it abrogate the general rule

against recovery for mental anguish associated with the breach of a contract. Absent clearer evidence to the

contrary than we find in Lunsford, we believe that Alabama law does not presume that the parties to a contract

meant to "insure each other's emotional tranquility." See Douglas J. Whaley, Paying for the Agony: The

Recovery of Emotional Distress Damages in Contract Actions, 26 Suffolk U.L.Rev. 935, 951 (1992). The

breach of any contract which the parties consider important will always lead to some emotional distress. Id.

The rule in Alabama remains, however, that recovery of mental anguish damages is permitted for breach of

contract only in a narrow range of cases involving contracts which create especially sensitive duties, the

breach of which cause highly foreseeable and significant mental anguish. As there is no allegation that this

boat was Ruiz de Molina's home, the reduction of the verdict awarding mental anguish damages for breach

of the insurance contract on Ruiz de Molina's boat is due to be affirmed.

                                                     III.

        We hold, therefore, that Luellen and Worldwide Marine purposefully availed themselves of the

benefits of selling an insurance contract to an Alabama resident thereby subjecting themselves to the specific

jurisdiction of the Alabama courts over the cause of action which arose out of doing that business. We also

hold that Alabama does not permit Ruiz de Molina to recover mental anguish damages for the breach of that

contract of insurance.




                                                      12
        Accordingly, the grant of summary judgment to Luellen and Worldwide Marine is REVERSED and

the case is remanded to the district court for further proceedings. The district court's reduction of the

judgment against Smith and Merritt and Furman is AFFIRMED.




                                                   13
