State Automobile Insurance Company v. Jones Stone Company, Inc.

Insurer filed an action seeking a declaratory judgment that it was not required to provide coverage to insured in lawsuit filed against insured; insured filed a counter-complaint against insurer. At the close of all proof, the trial court directed a verdict in favor of insured on insurer’s declaratory judgment action and directed a verdict in favor of insurer on insured’s counterclaims of misrepresentation, bad faith, estoppel, and punitive damages. Insured’s two remaining counterclaims were submitted to the jury, which returned a verdict in favor of insured for Tennessee Consumer Protection Act (“TCPA”) and breach of contract claims. Trial court subsequently awarded insured double damages and attorney’s fees under the TCPA. On appeal, both parties raise numerous issues with the judgment of the trial court, some of which are without merit or as to which no relief can be granted; such issues are dismissed. We reverse the award of double damages, vacate the award of counsel fees to the insured and remand for further consideration. In all other respects the judgment is affirmed.