{"id":177214,"date":"2025-04-08T11:46:40","date_gmt":"2025-04-08T11:46:40","guid":{"rendered":"https:\/\/peraltafinancing.com\/business\/insurance\/fairly-debatable-attempt-to-rescind-not-bad-faith\/"},"modified":"2025-04-08T11:46:40","modified_gmt":"2025-04-08T11:46:40","slug":"fairly-debatable-attempt-to-rescind-not-bad-faith","status":"publish","type":"post","link":"https:\/\/fivemor.com\/?p=177214","title":{"rendered":"Fairly Debatable Attempt to Rescind Not Bad Faith"},"content":{"rendered":"


\n<\/p>\n

\n

Post 5039<\/strong><\/p>\n

See the full video at https:\/\/rumble.com\/v6rn6mj-fairly-debatable-attempt-to-rescind-not-bad-faith.html<\/a> and at\u00a0 https:\/\/youtu.be\/5Fpk3mZviiI<\/a><\/p>\n

\"\"USAA Life Insurance Company\u2019s moved the USDC Dismiss Plaintiff\u2019s Third Amended Complaint and Motion to Strike.<\/p>\n

In Ronda G. Williams v. USAA Life Insurance Company<\/em>, No. 1:24-cv-00301-BLW, United States District Court, D. Idaho (April 1, 2025) the USDC eliminated the bad faith cause of action and allowed the breach of contract case.<\/p>\n

BACKGROUND<\/span><\/strong><\/h2>\n

Ronda Williams alleged her husband, Burton Williams, applied for a 20-year term life insurance policy for $750,000.00 from USAA on December 1, 2021. Shortly thereafter, USAA issued a life insurance policy with an effective date of February 15, 2022. As a part of his application, Mr. Williams signed an agreement that he would \u201c.. .notify USAA Life Insurance Company if, after signing the statement but before the delivery of the policy, I seek medical consultation for any reason\u2026\u201d<\/em><\/p>\n

Mrs. Williams alleged that Mr. Williams received a neurological exam in January 2022 after feeling lightheaded and dizzy at the gym. The exam was benign, he was treated for dehydration and sent home. He then followed up with his primary care physician on February 2, 2022, who did not have any concerns about his medical condition but scheduled an MRI for February 17, 2022. On February 18, 2022, Mr. Williams received the results of the MRI, which indicated he had a brain tumor.<\/p>\n

About a year later, in June 2023, Mr. Williams died.<\/p>\n

Mrs. Williams, as the beneficiary, notified USAA of his death and made a claim on his insurance policy. On December 26, 2023, USAA sent Mrs. Williams a letter stating that it was rescinding the insurance policy from the date of inception based upon material misrepresentations made in Mr. Williams\u2019 application. Mrs. Williams sued. Mrs. Williams filed her Third Amended Complaint alleging a single claim for breach of contract and insurance bad faith. USAA again moved to dismiss the operative complaint for failure to state a claim.<\/p>\n

ANALYSIS<\/span><\/strong><\/h2>\n

Breach of Contract Claim.<\/span><\/strong><\/h3>\n

Mrs. Williams alleged USAA breached its contract when it failed to pay her the amount due under the life insurance policy.\u00a0USAA argued that Mrs. Williams cannot show any breach of contract because it rescinded the life insurance policy within the two-year statutory contestability period.<\/p>\n

The rescission fell within the two-year contestability period.<\/p>\n

Even considering USAA\u2019s affirmative defense, it does not require dismissal of Mrs. Williams\u2019 complaint at this stage of the litigation. To rescind the policy, USAA would first need to prove Mr. Williams made an incorrect statement on his application. Then the company would have to prove it would not have issued the policy had it known the \u201ctrue facts.\u201d<\/p>\n

USAA contends Mr. Williams\u2019 responses to several questions on his application were incorrect. Mr. Williams answered \u201cno\u201d to each of these questions. While these responses may have been rendered inaccurate in light of his hospital visit and follow up visit with his primary care provider, these inaccuracies do not necessarily mean rescission is appropriate.<\/p>\n

To rescind, USAA must show it would not have issued the policy had the statements been accurate. There is nothing on the face of the Third Amended Complaint or in the material incorporated by reference that permits the Court to conclude on a motion to dismiss that the misrepresentations were material.<\/p>\n

An insurer may establish materiality as a matter of law by presenting documentation concerning its underwriting practices. Absent similarly conclusive facts in the Third Amended Complaint or incorporated by reference, the Court cannot conclude the misrepresentations, as a matter of law, were material. Accordingly, USAA\u2019s motion to dismiss the breach of contract claim is denied.<\/p>\n

Insurance Bad Faith Claim.<\/span><\/strong><\/h3>\n

To demonstrate bad faith under Idaho law, a plaintiff must show:<\/p>\n

    \n
  1. the insurer intentionally and unreasonably denied or withheld payment;<\/li>\n
  2. the claim was not fairly debatable;<\/li>\n
  3. the denial or failure to pay was not the result of a good faith mistake; and<\/li>\n
  4. the resulting harm is not fully compensable by contract damages.<\/li>\n<\/ol>\n

    An insurer does not act in bad faith by challenging the validity of a \u201cfairly debatable\u201d claim, or when delay results from honest mistakes.<\/p>\n

    Mrs. Williams did not adequately allege an insurance bad faith claim. The denial of an insurance claim and a claimant\u2019s disagreement with the decision does not automatically equate to bad faith. Accordingly, the Court dismissed Mrs. Williams\u2019s bad faith claim.<\/p>\n

    The Court will dismiss the bad faith insurance claim without leave to amend.<\/p>\n

    Rescission is an equitable remedy that requires, rather than a money judgment, fairness. If an insurance contract is acquired by a material misrepresentation or the concealment of a material fact, the court will order the contract rescinded and both parties would be placed in the same position they were in before the contract was issued. USAA failed to include in its motion to dismiss evidence that established that the misrepresentations were material. The court dismissed the bad faith cause of action because the issue was fairly debatable and at trial USAA may bring the underwriters to prove materiality and if they don\u2019t they will pay Mrs. Williams.<\/p>\n

    \"\"(c) 2025 Barry Zalma & ClaimSchool, Inc.<\/p>\n

    Please tell your friends and colleagues about this blog and the videos and let them subscribe to the blog and the videos.<\/p>\n

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    Go to the Insurance Claims Library \u2013 https:\/\/lnkd.in\/gwEYk<\/a><\/p>\n

    \n

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    Related<\/em><\/h3>\n<\/p><\/div>\n\n","protected":false},"excerpt":{"rendered":"

    Post 5039 See the full video at https:\/\/rumble.com\/v6rn6mj-fairly-debatable-attempt-to-rescind-not-bad-faith.html and at\u00a0 https:\/\/youtu.be\/5Fpk3mZviiI USAA Life Insurance Company\u2019s moved the USDC Dismiss Plaintiff\u2019s Third Amended Complaint and Motion to Strike. In Ronda G. Williams v. USAA Life Insurance Company, No. 1:24-cv-00301-BLW, United States District Court, D. Idaho (April 1, 2025) the USDC eliminated the bad faith cause of […]<\/p>\n","protected":false},"author":1,"featured_media":177215,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[94],"tags":[24473,4643,70435,3742,30195],"dealstore":[],"offerexpiration":[],"class_list":["post-177214","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance","tag-attempt","tag-bad","tag-debatable","tag-faith","tag-rescind"],"yoast_head":"\nFairly Debatable Attempt to Rescind Not Bad Faith - Som2ny Network<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fivemor.com\/?p=177214\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Fairly Debatable Attempt to Rescind Not Bad Faith - Som2ny Network\" \/>\n<meta property=\"og:description\" content=\"Post 5039 See the full video at https:\/\/rumble.com\/v6rn6mj-fairly-debatable-attempt-to-rescind-not-bad-faith.html and at\u00a0 https:\/\/youtu.be\/5Fpk3mZviiI USAA Life Insurance Company\u2019s moved the USDC Dismiss Plaintiff\u2019s Third Amended Complaint and Motion to Strike. 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