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Hawaiian Insurance & Guaranty Co. v. Fernandez

Citations: 3 Haw. App. 95; 641 P.2d 1365; 1982 Haw. App. LEXIS 121Docket: NO. 7654

Court: Hawaii Intermediate Court of Appeals; March 14, 1982; Hawaii; State Appellate Court

Narrative Opinion Summary

The case involves an appeal by Hawaiian Insurance & Guaranty Company regarding its liability under an insurance policy following an accident involving Shimizu & Sons Construction, Inc. and Global Construction Co. Inc. The primary legal issue is whether an indemnity agreement between Shimizu and Global obligates Hawaiian Insurance to cover claims exceeding a $500,000 limit for bodily injury due to Shimizu's negligence. Initially, the lower court granted summary judgment in favor of Global, treating Hawaiian Insurance as if it had issued a policy per the subcontract, despite Global not seeking summary judgment. Both Hawaiian Insurance and Shimizu filed for summary judgment, but the court vacated its initial grant to Shimizu after reconsideration, prompting an appeal under Rule 54(b). The appeal highlighted deficiencies in the documentation regarding the insurance policy, which was neither certified nor sworn, complicating the assessment of coverage under the indemnity agreement. The court found the record inadequate to support summary judgment for either party, necessitating further proceedings. The ruling was reversed and remanded for additional factual development, potentially addressing issues of estoppel, misrepresentation, or fraud. The court emphasized the need for complete and certified documentation, criticizing the counsel for the incomplete appellate record.

Legal Issues Addressed

Appellate Review and Record Completeness

Application: The court notes the responsibility of counsel to ensure the completeness of the appellate record, especially concerning depositions and other critical evidence.

Reasoning: It also notes that counsel failed to ensure the deposition was included in the appellate record, stressing their responsibility for completeness in the record submitted.

Documentary Evidence in Insurance Disputes

Application: The court highlights deficiencies in the documentation provided by Hawaiian Insurance, affecting the ability to resolve coverage issues.

Reasoning: There are significant deficiencies in the documentation supporting the judgment, as the insurance policy presented by Hawaiian was contested by both appellees, and none of the supporting documents were certified or sworn.

Liability Under Indemnity Agreements

Application: The court examines whether an indemnity agreement between Shimizu and Global obligates Hawaiian Insurance to cover claims beyond the policy limit due to Shimizu's negligence.

Reasoning: The court must determine if the agreement in which Shimizu indemnified Global mandates Hawaiian Insurance to cover claims exceeding the $500,000 limit for bodily injury due to Shimizu’s negligence.

Summary Judgment Standards

Application: The court emphasizes the necessity for certified or sworn documents in supporting a motion for summary judgment under Rule 56(e).

Reasoning: The court expresses concern over the lack of adherence to Rule 56(e), which requires sworn or certified documents for motions related to summary judgment.