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• W287843533 abstract "PPG Industries, Inc. v. Transamerica Insurance Co., 20 Cal. 4th 310,975 P.2d 652,84 Cal. Rptr. 2d 455 (California Supreme Court, May 10, 1999). PPG Industries is the successor in interest to Solaglas California, a distributor and installer of replacement windshields for cars and trucks. In 1982, the driver of a GMC truck with a Solaglas-installed windshield was in a serious accident. The windshield popped and ejected the driver, rendering him a quadriplegic. The driver sued Solaglas for compensatory and punitive damages. Solaglass called on its liability carrier, Transamerica, which had issued $1.5 million of coverage for such claims. However, the policy excluded coverage of punitive damages. In addition, California law prohibits insuring of punitive damages liability. Transamerica assumed the defense of the claim. The case proceeded to trial and resulted in judgment for Solaglas-but the judgment was reversed on appeal and the case remanded for retrial. While retrial was pending, the plaintiff offered to settle for Solaglas's policy limits of $1.5 million. Solaglass urged Transamerica to accept the offer but Transamerica refused. In retrospect, Transamerica could have done a better job of predicting the trial's outcome: the plaintiff won a judgment of $5.1 million in compensatory damages and $1 million in punitive damages. The punitive award was based on the jury's finding, affirmed on appeal in the underlying case, that Solaglas knowingly used a windshield installation procedure that created the risk of a popping out windshield, as occurred in the accident that rendered plaintiff a quadriplegic. Plaintiff's judgment was satisfied by Transamerica's payment of its policy limits ($1.5 million) plus costs and interest ($1.277 million), with Solaglas paying the $1 million punitive damage award and its excess insurer paying the additional $3.6 million in punitive damages. Then PPG as successor to Solaglas sued Transamerica for conduct in refusing to settle the claim for the $1.5 million policy limits. Apparently, the excess insurer did not pursue Transamerica for the $3.6 million it was required to pay because Transamerica (the primary liability insurer) had failed to accept what in retrospect was clearly a reasonable settlement demand. PPG sought recovery of the $1 million punitive damage component of the judgment. The case forced the California courts to choose between two competing legal doctrines: (1) the principle that punitive damages liability is generally not insurable and not the responsibility of a tortfeasor's liability insurer; and (2) the principle that an insurer whose conduct causes harm to the policyholder is responsible for the damages that proximately flow from the conduct. PPG argued that the latter principle should control and that it should be able to be repaid for its punitive liability by Transamerica because it had been Transamerica's refusal to settle that caused Solaglas (and hence PPG) to incur the $1 million liability. The California Supreme Court deferred to the principle against indemnity of punitive damages liability and held that PPG could not recover. In the ordinary claim by a policyholder because of an insurer's failure to settle, the measure of damages is the amount of the judgment in excess of the policy limits and other incidental and consequential damages that can be traced to the insurer's failure to settle. It should be noted that California defines bad faith in this context as simply the insurer's failure to accept the reasonable settlement offer within policy limits (assuming the insurer is controlling the defense of the underlying claim). …" @default.
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• W287843533 date "1999-09-01" @default.
• W287843533 modified "2023-09-28" @default.
• W287843533 title "In Divided Opinion, California Limits Policyholder Damages for Bad Faith Failure to Settle to Covered Compensatory Damages Only; Insurer Not Responsible for Punitive Portion of Excess Judgment" @default.
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