
(2008)
UNDERWRITERS AT LLOYD'S LONDON, Plaintiffs,
v.
Carol OSTING-SCHWINN, as parent and legal guardian of CO., a minor, Defendant, and
Carol Osting-Schwinn, as parent and legal guardian of CO., a minor, Counter-Plaintiff,
v.
Underwriters at Lloyd's London, Counter-Defendants.
Case No. 8:05-cv1460-T-17TGW.
United States District Court, M.D. Florida, Tampa Division.
April 23, 2008.

AMENDED ORDER ON JOINT MOTION OF PLAINTIFFS/COUNTER-DEFENDANTS AND DEFENDANT/COUNTER-PLAINTIFF FOR RECONSIDERATION OF ORDER DENYING THE PARTIES' MOTION FOR SUMMARY JUDGMENT
ELIZABETH A. KOVACHEVICH, District Judge.
This case initially came before the Court on a Joint Motion of Plaintiffs/Counter-Defendants and Defendant/Counter-Plaintiffs (hereinafter collectively referred to as the "parties") for Reconsideration of Order Denying the Parties' Motions for Summary Judgment. (Dkt. 132). After careful consideration of the parties' respective motions and the Joint Stipulation of Plaintiffs/Counter-Defendants and Defendant/Counter-Plaintiffs (Dkt. 167), for the Reasons set forth below the Plaintiffs/Counter-Defendants' Motion for Summary Judgment (Dkt. 97) is hereby Granted and the Court's order (Dkt. 166) denying the same is Vacated.

BACKGROUND
A factual account of this matter is detailed in this Court's Order denying both Parties' Motions for Summary Judgment. (Dkt. 118). Accordingly, only a brief synopsis of the dispute is necessary at this point. Both parties agree that on May 26, 2005, Carol Osting-Schwinn's (Defendant) attorney sent a new settlement offer, with a twenty-day lapse period, for essentially the same terms previously offered, and he further highlighted the lack of compliance with the relevant statute. (Dkt. 87, Exh. A, ¶¶ 31-32; Dkt. 96, p. 2; Dkt. 132, ¶ 2). According to Underwriter's at Lloyd's London (Plaintiffs), Mr. Berk, on May 31, 2005, accepted the offer and agreed with all material terms therein. (Dkt. 87, ¶ 21; Dkt. 132, ¶ 2). Defendant maintains that Plaintiffs' failure to fully comply with all material conditions of the settlement  namely Fla. Stat. § 627.4137  prevents the legal consummation of a binding agreement. (Dkt. 132, pp. 9-10). Specifically, Defendant alleges that Plaintiffs failed to provide a list of all known insurers that may have coverage liability for the insured. Additionally, Defendant contends that Keith Utermark, president of. American Shield, is not a "corporate officer, claims manager, or superintendent" authorized to verify the authenticity of Plaintiffs' policy.
Defendant filed a Motion for Summary Judgment on January 19, 2007, (Dkt. 73), and Plaintiffs filed a Motion for Summary Judgment on January 22, 2007, (Dkt. 97). The Court denied each and set forth two disputed issues of fact for the fact-finder to resolve. (Dkt. 118). First, whether Plaintiff satisfied the requirement under Fla. Stat. § 627.4137 to disclose all known insurers. Second, whether Keith Utermark, as president of the American Shield Insurance Group, had the authority under Fla. Stat. § 627.4137 to provide the information enumerated therein on Plaintiffs' behalf. The parties now urge this Court to reconsider their respective motions and issue a final ruling as a matter of law.

STANDARD OF REVIEW
Summary Judgment is appropriate when "there is no genuine issue as to any material fact and [] the moving party is entitled to judgment as a matter of law." Fed. R.Civ.P. 56(c). Any fact is material if it could influence the fact-finder's determination of an issue that affects the outcome of the suit. Anderson v. Liberty Lobby, Inc., 477 U.S. 242, 248, 106, S.Ct. 2505, 91 L.Ed.2d 202 (1986). The Court, however, is not called upon to "weigh the evidence and determine the truth of the matter but to determine whether there is a genuine issue for trial." Id. at 249, 106 S.Ct. 2505. "When the moving party has carried its burden under Rule 56(c), its opponent must do more than simply show that there is some metaphysical doubt as to the material facts." Matsushita Elec. Indus. Co. v. Zenith Radio Corp., 475 U.S. 574, 586-87, 106 S.Ct. 1348, 89 L.Ed.2d 538 (1986). The Court's role is not to resolve genuine factual issues; when genuine issues are present, the Court must deny the motion and proceed to trial, Clemons v. Dougherty County, Ga., 684 F.2d 1365, 1369 (11th Cir.1982).

DISCUSSION

I. Parties' Joint Motion for Reconsideration (Dkt. 132).
The parties seek reconsideration of this Court's June, 14, 2007, 2007 WL 1730095, Order denying summary judgment for either party. (Dkt. 118). Only in extraordinary circumstances that justify expending the scant resources of the Court will a motion for reconsideration be granted. See Pennsylvania Ins. Guar. Ass'n v. Trabosh, 812 F.Supp. 522, 524 (E.D.Pa. 1992). Even in the most compelling circumstances, whether to grant or deny the motion is at the discretion of the Court. See Am. Home Assurance Co. v. Glenn Estess & Assoc., 763 F.2d 1237, 1238-39 (11th Cir.1985). There are three identifiable bases for reconsidering an order: (1) an intervening change in controlling law; (2) the availability of new evidence; and (3) the need to correct clear error or manifest injustice. See Lamar Adver. of Mobile, Inc. v. City of Lakeland, 189 F.R.D. 480, 489 (M.D.Fla.1999).
The parties argue that "the Court committed clear error in ruling that the two issues referenced in the Court's Order are issues of fact." (Dkt. 132, p. 4). The dispute rests on whether a binding settlement agreement exists between the parties. The settlement agreement required Plaintiff to fully comply with Fla. Stat. § 627.4137. The two issues presented in the aforementioned order preclude this Court from ruling that the parties reached a binding settlement agreement. Only after the parties made clear their respective positions on several important matters before the Court are the issues finally able to be resolved. In the interest of justice the Court will reconsider the parties' motions in hope of putting this dispute to rest. See generally, Broadway v. City of Montgomery, 530 F.2d 657 (5th Cir.1976).
It is undisputed that "full compliance" with Fla. Stat. § 627.4137 was a material element of the settlement agreement between the parties. (Dkt. 132, p. 8). The question is merely what is required to fully comply with the statute. In other words, the dispute centers on what information an insurer must disclose and the manner in which it must be disclosed when a claimant demands compliance with the statute as part of settlement negotiations. First and foremost, the Court must look to the substantive law to determine if any factual issues in dispute could potentially affect the rights of the parties. See Liberty Lobby, Inc., 477 U.S. at 248, 106 S.Ct. 2505. The two issues before this Court can only be answered by examining an insurer's statutory obligations under the statute. Indeed, Fla. Stat. § 627.4137(1) enumerates not only the information an insurer must provide when so requested, but also the manner is which it must be provided.[1]

A. An Insurer, Upon Request, Has a Duty to Disclose All Known Insurers.
Under Florida law, it is well-settled that in the absence of ambiguity the plain meaning of the statute prevails. Joshua v. City of Gainesville, 768 So.2d 432, 435 (Fla.2000); Holly v. Auld, 450 So.2d 217, 219 (Fla.1984). If the statutory language leads to more than one reasonable interpretation then the Court must employ canons of statutory construction to construe the statute's meaning. Holly, 450 So.2d at 219. While no Florida court has squarely addressed this issue,[2] the Court is confident that the statute's meaning can be gleaned from the legislature's ink.
The statute imposes obligations on both insurers and insureds, upon request, to furnish claimants with all known information pertaining to insurance coverage. Beginning with insurers, the statute requires disclosure of certain information with respect to "each known policy of insurance, including excess or umbrella insurance." Fla. Stat. § 627.4137(1) (emphasis added). The legislature could not have included the word "known" to impose only an obligation to disclose that insurer's own coverage information. To hold otherwise would flout the canon of statutory construction that a court should not render meaningless the inclusion of a word in a statute. See Beck v. Prupis, 529 U.S. 494, 506, 120 S.Ct. 1608, 146 L.Ed.2d 561 (2000); Morgan v. Illinois, 504 U.S. 719, 738, 112 S.Ct. 2222, 119 L.Ed.2d 492 (1992). Moreover, an insurer must provide the "name of each insurer" with respect to "each known policy." Fla. Stat. § 627.4137(1). The statute most naturally imposes an obligation, if requested, on insurers to provide to wanting claimants information pertaining to other known insurers. It is not unduly burdensome, if at all, to expect insurers to disclose that information which it already has, or soon will have, in its possession. The statute does not direct insurers to engage in massive discovery efforts to assist claimants in obtaining this information. It merely requires disclosure of all known insurance coverage to assist a claimant in making an informed decision regarding settlement.
Essentially, a claimant may obtain the information through either the insured or the insurer at the claimant's own behest. The statute provides an alternative medium through which a claimant may obtain the information  the insured or the insured's insurance agent. The last paragraph in the subsection requires the insured "upon written request ... [to] disclose the name and coverage of each known insurer to the claimant." Fla. Stat. § 627.4137(1). The parties do not dispute this obligation on the part of an insured. (Dkt. 132). Defendant, however, argues that it is sufficient to request information from an insurer, in this case the Plaintiffs, and expect compliance by the insured. While Defendant's calculus is not easily reconciled with the plain meaning of the statute the product remains the same. In that, if Plaintiffs had actual knowledge of the name and coverage of other insurers then it would have been required to disclose, within the specified time, this information pursuant to the statute. This Court's reading of the plain language of the statute is bolstered by the fact that the legislature considered vital to settlement negotiations all information relevant to insurance coverage providers. Cf. Cheverie, 783 So.2d at 1119.
Both parties present reasonable views of the statute. Plaintiffs take the position that the statute only obligates insurers to provide "the information set forth in subheadings (a)  (e)" as it relates to the individual insurer. (Dkt. 132, p. 7). Information pertaining to other potential insurers, according to Plaintiffs, is made available only when requested from the policyholder (insurer) or their insurance agents; whereas, Defendant contends that it requested, and the statute mandates, Plaintiffs to "disclose the name and coverage of each known insurer" in order to fully asses the insured's insurance coverage and ability to settle. (Dkt. 132, pp. 7-9). Whether Plaintiffs fulfilled their obligations under the statute is axiomatic to the resolution of this dispute. Pursuant to their recent filings, the parties acknowledge that there is no dispute that Plaintiff had no knowledge of any other insures at the time the parties entered into the settlement agreement, nor at any point throughout the contractual period. (Dkt. 167). Accordingly, Plaintiff fulfilled its obligations under the statute insofar as it was only required to send information regarding its own policy with the insured.
At this point, however, it is premature to decide as a matter of law whether Plaintiff complied with its statutory obligations. Resolution of the remaining issue  whether Keith Utermark's affidavit complied with the statutory provisions  will tip the scales decidedly in favor of one party. Plaintiffs motion for summary judgment will be granted if the Court finds that Plaintiff satisfied its obligation to send a sworn copy of its own policy. On the contrary, if the affidavit does not comply with the statute, then summary judgment for Defendant is proper. See Fla. Stat. § 627.4137(1).

B. Keith Utermark's Affidavit Complied with Fla. Stat. § 627.4137.
If Plaintiff failed to provide a properly sworn copy of its own insurance policy then no settlement agreement was reached as a matter of law. Specifically, Defendant argues that Mr. Utermark is not a proper person to authenticate Plaintiffs policy under the statute. (Dkt. 132, p. 13). Plaintiff does not argue that Mr. Utermark is "a corporate officer or the insurer's claims manager or superintendent." See Fla. Stat. § 627.4137. Rather, Plaintiff relies on the "unique structure of surplus line insurers" and argues that Florida insurance law gives special consideration to this fact. (Dkt. 132, p. 11). Surplus line insurers may be exempt from certain statutory provisions. See Essex Ins. Co. v. Zota, 466 F.3d 981, 990 (11th Cir.2006) (certifying to the Florida Supreme Court, inter alia, "whether Fla. Stat. § 627.428 applies to surplus line insurers"); Chacin v. Generali Assicurazioni Generali Spa, 655 So.2d 1162, 1162 (Fla. 3d DCA 1995) (relying on the 4th DCA's decision in English to hold that Fla. Stat. § 627.428 applies to surplus line insurers); English & Am. Ins. Co. v. Swain Groves, 218 So.2d 453, 458 (Fla. 4th DCA 1969) (holding that Fla. Stat. § 627.0127, now § 627.428, applies to surplus line insurers). Prior to this Motion, however, Plaintiffs acted in such a manner indicating that they were subject to the statute's provisions. By agreeing to fully comply with Fla. Stat. § 627.4137, Plaintiffs agreed to act in a manner consistent with a statutory provision that may be otherwise inapplicable. The question still remains whether Plaintiffs complied with the statute when they furnished a statement from Mr. Utermark swearing to the authenticity of the policy.
It is fair to read the statute to allow a corporate executive of a surplus lines insurer to attest to the validity of a policy. Five days after Defendant sent Plaintiffs a new settlement offer requesting full compliance with the statute, they received a copy of the policy with a signed affidavit from Mr. Utermark, president of American Shield Group, Plaintiffs' surplus lines agent. This affidavit attested to the validity of the document. Moreover, as Plaintiffs note, "[a]ny surplus lines agent who knowingly or negligently issues a false certificate, cover note, or confirmation of insurance ... shall, upon conviction, be subject to the penalties provided by s. 624.15 or to any greater applicable penalty otherwise provided by law." Fla. Stat. § 626.922(5). It is fair to say that based on the unique nature of an insurance contract when surplus lines agents are involved it is permissible for Mr. Utermark, as the top corporate executive for American Shield Group, to certify under penalty the policy's authenticity.[3] Accordingly, the parties entered into a binding settlement agreement.

CONCLUSION
Having read the parties' Joint Motion for Reconsideration, this Court find sufficient cause to reconsider the parties' respective motions. Accordingly, it is:
ORDERED that the parties Joint Motion for Reconsideration (Dkt. 132) be Granted, in that the Court has decided both issue of this case as a matter of law. The previous order (Dkt. 166) be Vacated. Further, it is ORDERED that the Plaintiffs' amended motion for summary judgment (Dkt. 97) be Granted, and Defendant's counter-motion for summary judgment (Dkt. 87) be Denied, since the Court has found that no factual issues are in dispute. Therefore, the Court orders the Clerk of Court to enter judgment for the Plaintiffs and against the Defendants finding a valid settlement agreement exists between the parties, and close this case and terminate all other pending motions as Moot.
NOTES
[1]  Each insurer which does or may provide liability insurance coverage to pay all or a portion of any claim which might be made shall provide, within 30 days of the written request of the claimant, a statement, under oath, of a corporate officer or the insurer's claims manager or superintendent setting forth the following information with regard to each known policy of insurance, including excess or umbrella insurance:

(a) The name of the insurer.
(b) The name of each insured.
(c) The limits of the liability coverage.
(d) A statement of any policy or coverage defense which such insurer reasonably believes is available to such insurer at the time of filing such statement.
(e) A copy of the policy.
In addition, the insured, or her or his insurance agent, upon written request of the claimant or the claimant's attorney, shall disclose the name and coverage of each known insurer to the claimant and shall forward such request for information as required by this subsection to all affected insurers. The insurer shalL then supply the information required in this subsection to the claimant within 30 days of receipt of such request. Fla. Stat. § 627.4137(1) (emphasis added).
[2]  No Florida court has squarely addressed whether Fla. Stat. § 627.4137(1) imposes a duty on the insurer to provide information pertaining to other potential insurers when the request is sent directly to the insurer and not the insured. See GEICO v. Florida Emergency Physicians, 972 So.2d 966, 969 (Fla. 5th DCA 2007) (holding only that the statute does not require insurers to disclose payment logs); Schlosser v. Perez, 832 So.2d 179 (Fla. 2d DCA 2002) (addressing a situation where the claimant's request was sent to both the insured and the insurer); Cheverie v. Geisser, 783 So.2d 1115, 1119 (Fla. 4th DCA 2001) (stating that "the legislature recognized the importance of a claimant's access to this type of information in making settlement decisions" without directly addressing the issue).
[3]  The later submission of Duncan Smith's affidavit, although not dispositive, indicates Plaintiffs' willingness to at least provide a certified copy of the policy under Fla. Stat. § 627.4137.
