Summary
noting that unfair settlement claim would not lie if insured was not held liable in negligence
Summary of this case from Maroun v. Norfolk & Dedham Mut. Fire Ins. Co.Opinion
No. 00-1639.
Heard December 7, 2000.
Decided March 30, 2001.
Appeal from the United States District Court for the District of Massachusetts, Michael A. Ponsor, J.
Lee H. Kozol, with whom David A. Rich and Friedman Atherton LLP, were on brief, for appellant.
James R. Loughman, with whom Donovan O'Connor, LLP, was on brief, for appellee Copen.
Richard W. Jensen, with whom Morrison, Mahoney Miller, LLP, was on brief, for appellee Valley Forge Insurance Company.
Before STAHL, LYNCH, and LIPEZ, Circuit Judges.
In the early morning hours of August 22, 1996, plaintiff-appellant Caroline Wilson injured herself in a fall down a darkened flight of steps in the home of defendant-appellee Pauline Copen. Wilson subsequently brought this diversity action against Copen and Copen's liability insurer, defendant-appellee Valley Forge Insurance Co. ("Valley Forge"). The complaint alleged that Copen was negligent in failing to warn Wilson of unusual conditions — a narrow landing at the top of the stairs and a hidden light switch — that caused her to fall in the darkness. The complaint further alleged that Valley Forge engaged in unfair claim settlement practices when Wilson sought compensation for her injuries. See Mass Gen. Laws. chs. 93A 176D, § 3. Following the close of discovery, Copen moved for summary judgment, which the district court granted on alternative grounds: that Copen owed Wilson no duty to warn, and that Wilson was more than 50% comparatively negligent. See Mass. Gen. Laws ch. 231, § 85. Because Copen was not liable, the court also awarded judgment to Valley Forge. Wilson appeals, contending that the court erred in concluding that no reasonable jury could find Copen liable. We agree and therefore vacate and remand.
The relevant facts are undisputed. In the early evening of August 21, 1996, Wilson, who was then 50 years old, arrived at Copen's Stockbridge, Massachusetts, condominium with the intention of staying overnight. Wilson had agreed to stay with Copen at the request of Copen's daughter, a friend of Wilson's, who did not want her 82-year-old mother to be alone during the night. Wilson had never before spent the night with Copen. Copen had owned the condominium, which she used as a summer home, for a little more than eight years.
Upon her arrival and at Copen's urging, Wilson went upstairs and placed her belongings in a guest bedroom which was directly across from the top of the stairs. There was no need to use a light at that time because it was still light outside. The door to the bedroom opened outward to a small landing, which a person exiting the room would reach via a short passageway flanked on the left by an enclosed area and on the right by a closet. To reach the upstairs bathroom from the bedroom, one would exit the room, proceed to the end of the passageway, and turn right. The bedroom's threshold was approximately six feet from the top of the stairs, but the imaginary line marking the end of the passageway (as one exits the room) was only about three-and-one-half feet from the top of the stairs.
After depositing her effects in the bedroom, Wilson went downstairs and had dinner with Copen. Following dinner, Wilson washed the dishes and sat with Copen until approximately 8:30 p.m., when Copen announced that she would be retiring. Wilson then went upstairs, got in bed, turned on a small lamp next to her bed, and began reading. The lamp was the only light in the room, and could only be turned on manually if it previously had been turned off manually. A light in the ceiling over the upstairs landing also was on at this time. At about 10:30 p.m., Wilson heard Copen leave her bedroom. From her bed, Wilson bid Copen good night. Copen responded in kind and, with Wilson's knowledge, turned off the light over the upstairs landing by means of a switch located at the bottom of the stairs. Sometime thereafter, Wilson manually turned off the lamp beside her bed and went to sleep.
At about 1:00 a.m. on August 22, 1996, Wilson awoke with a need to go to the bathroom. The upstairs of the condominium was completely dark. Wilson, who was half-awake, left her bed and, apparently not wanting to be jarred awake by the direct light of the lamp next to her bed, chose not to turn on the lamp. Instead, she made her way towards the upstairs landing with the intention of locating and then turning on the overhead (and thus more indirect) landing light. Wilson knew that the bathroom was located to the right of the passageway from the bedroom, but did not know the location of the switch for the light over the landing. In fact, the switch was on the wall of the enclosed area flanking the passageway on the left, and was hidden behind the bedroom's door when the door was left in the open position.
The architect's electrical plan for the condominium called for the switch to be on the right, where it would have been readily accessible to one exiting the room, but the electrical layout was for some reason changed when the condominium was built. Locating the switch behind the door is contrary to standard practices in the construction and building industry — the National Electrical Code states that "[a]ll switches . . . shall be located that they may be operated from a readily accessible place" — and (in the uncontradicted opinions of Wilson's experts) created a dangerous situation for guests exiting the bedroom at night. Copen, however, did not go upstairs much, and claimed not to have knowledge of the switch's unusual location. As a result, she never warned Wilson of the potentially dangerous situation. Nor did she take steps — e.g., leaving the landing light on — to ameliorate it.
Wilson described her accident in deposition testimony. Having reached the doorway, she crossed the threshold and extended her left hand in an effort to locate the landing light switch. Wilson presumed that the switch would be on her left because "the opening for the bathroom was on the right." In reaching for the switch, Wilson hit the open door, which bounced toward her. Wilson then pivoted on her right foot "to turn and see if there was a light switch on the right hand side, and when I pivoted, I fell down the stairs." Wilson suffered serious injuries as a result of her fall.
On March 13, 1998, Wilson commenced this action against Copen and Valley Forge on the theories described in the first paragraph of this opinion. In January 1999, Valley Forge sought and obtained a severance and a stay of Wilson's unfair claim settlement practices cause of action, successfully arguing that the action would not lie if Copen were not held liable in negligence. Subsequently, Copen moved for summary judgment on Wilson's negligence claim, arguing that, as a matter of law, the narrowness of the landing and the darkness were open and obvious dangers, and that Copen had no duty to warn Wilson about the location of the upstairs landing light switch because Wilson's decision to forgo turning on the lamp beside her bed and to grope in the dark for the switch was not foreseeable.
The district court orally granted the motion. As an initial matter, the court concluded that the absence of disputed facts obliged it to decide whether Copen owed Wilson a duty to warn. In the court's view, putting this question to a jury would be tantamount to asking the jury to create a legal standard, which is not its task. The court then held that Copen owed Wilson no duty to warn because (1) Copen knew that Wilson was aware of the light beside her bed; (2) the narrowness of the stairway landing was an open and obvious danger to Wilson, who passed over it at least twice prior to her accident; (3) it was not foreseeable that Wilson would keep moving forward in the dark groping for the upstairs landing light switch (rather than returning to her bed and turning on the lamp); and (4) Copen had no actual knowledge of the switch's location. The court also held, in the alternative (but for the same reasons), that Wilson was more than 50% comparatively negligent as a matter of law. Finally, the court summarily awarded Valley Forge judgment on Wilson's unfair claims settlement practices cause of action because Copen was not liable as a matter of law.
In making its rulings, the district court stated that it regarded Bohenko v. Grzyb, 21 Mass.App.Ct. 961, 488 N.E.2d 804 (1986) (rescript opinion), as instructive. Bohenko reversed a verdict in favor of a plaintiff who, with the permission and foreknowledge of the homeowner defendant, let herself into his unilluminated house at 1:00 a.m., entered a darkened hallway, groped in the dark and found what she thought to be the kitchen door but was in fact the basement door, opened the door and stepped through, and injured herself in a fall down the basement steps. See id. at 962, 488 N.E.2d 804. The negligence theory posited in that case was that the defendant acted unreasonably in failing to keep the rear entrance and hallway of his house lighted. See id. The jury accepted this theory, but the Massachusetts Appeals Court rejected it because, in its view, the defendant could not have foreseen the plaintiff's conduct as a matter of law. See id. Although recognizing that the facts of Bohenko are "not on all fours" with the facts here, the court nonetheless thought that "the foreseeability of [the plaintiff in Bohenko] showing up in the area that was darkened was . . . the same forceability [as] Ms. Wilson's getting up in the middle of the night."
On appeal, Wilson contends that the district court committed legal error in concluding that the duty-to-warn and contributory negligence issues were unfit for jury resolution because the relevant facts are undisputed. We agree. The court conceptualized resolution of Copen's summary judgment motion as turning on a legal question — whether the established facts gave rise to a duty to warn — that it, and not the jury, should decide. But we think that this case is less about whether Copen owed Wilson a legal duty (she clearly did) than it is about whether a jury rationally could find that the failure to warn identified in the complaint constituted a breach of her duty. We believe that a jury could so find.
Massachusetts law well recognizes that a homeowner has a common law duty of care to invitees, which includes the duty to warn lawful visitors of any unreasonably dangerous conditions of which the homeowner should be aware. E.g. O'Sullivan v. Shaw, 431 Mass. 201, 204, 726 N.E.2d 951 (2000). The home-owner is relieved of the duty to warn of such conditions if they are "open and obvious," and sometimes it is appropriate for a trial judge to enter summary judgment where no reasonable jury would conclude otherwise. Id. at 207-09, 726 N.E.2d 951. But that is not this case.
The law regards this finding as one of "ultimate fact," see 11 Moore's Federal Practice § 56.11[5][b] (Matthew Bender 3d ed.), resolution of which usually is left to the jury, see Mullins v. Pine Manor College, 389 Mass. 47, 56, 449 N.E.2d 331 (1983); see also Noble v. Goodyear Tire and Rubber Co., Inc., 34 Mass. App.Ct. 397, 402 n. 2, 612 N.E.2d 250 (1993) ("application of the reasonable person standard is uniquely within the competence of the jury") (citation and internal quotation marks omitted). Crucially, this is so even when the relevant facts are stipulated or undisputed. See 11 Moore's Federal Practice § 56.11[5][b] ("Much jury activity is devoted not to determining physical facts but to construing them. For example, questions of assumption of the risk or intent are usually classified as factual matters, to be determined by the jury. So, too, is the question of whether a given party's stipulated or uncontested conduct constitutes negligence or contributory negligence.").
Succinctly stated, we think a jury rationally could find that Copen breached a duty to warn by reasoning as follows. When Copen turned off the light and plunged the upstairs landing into darkness, she should have foreseen that Wilson might awaken with a need to use the bathroom during the night. That being the case, Copen also should have foreseen that Wilson might groggily make her way toward the landing without first trying to locate the manual switch that would illuminate the lamp next to her bed and expose her to more direct light (thus fully wakening her); exit the bedroom in the dark and proceed to the landing with the intention of locating and turning on a landing light she knew to exist; be unable to locate the light switch because of its unconventional location; move about on the landing in search of the light switch instead of making a second trip in the dark back to the bedside lamp; and lose her bearings and tumble down the stairs. We also think that a jury rationally could find that, actual knowledge aside, Copen should be charged with knowledge of the unusual configuration at the top of her stairs, having occupied the condominium for eight summers. Finally, we think that a jury viewing the case in this way rationally could conclude that Wilson was less than 50% comparatively negligent in acting as she did. Cf. Hubbard v. Palmer Russell Co., 343 Mass. 414, 416-17, 178 N.E.2d 869 (1961) (holding that a plaintiff's prior knowledge of a darkened stairwell down which she fell did not constitute contributory negligence as a matter of law). This view of the evidence is not the only one plausible; a jury would be well within its rights to reason as the district court did and return a verdict for Copen. But we simply do not believe that, on the evidence, a defendant's verdict is inevitable if the jury acts rationally.
Bohenko, see supra at 181, does not shake this belief. It is true that, as here, the plaintiff in Bohenko injured herself in a fall down darkened stairs in the home of an acquaintance. See 21 Mass.App.Ct. at 962, 488 N.E.2d 804. But there is no mention in Bohenko of any attempt by the plaintiff to turn on a light. See id. Moreover, and more importantly, "[t]here was no evidence that the [basement] stairs were defective or that there was anything about the condition of the premises that was unusual." Id. In our view, these two facts suffice to distinguish the present case and make it worthy of submission to a jury.
Two other points merit brief mention. First, we reject out of hand Valley Forge's alternative argument that Wilson's deposition testimony, which can be taken to suggest that Wilson fell before reaching the area to the right of the bedroom's door, conclusively establishes that she would have fallen down the stairs even if the light switch had been located on the right, as the architect had planned. Wilson's complaint does not claim that the light switch was negligently located; rather, she claims that Copen acted negligently in failing to warn her about the dangers of venturing on to the landing in the dark given the switch's location and the narrowness of the landing. Second, there is some dispute as to whether Wilson has sufficiently pleaded, as an alternative liability theory, Copen acted negligently in turning off the landing light. We leave resolution of that dispute for the district court on remand.
Vacated and remanded.