State ex rel. Universal Underwriters Ins. Co. v. Wilson, 825 S.E.2d 95 (2019)

March 8, 2019 · Supreme Court of Appeals of West Virginia · No. 18-0509
825 S.E.2d 95

STATE of West Virginia EX REL. UNIVERSAL UNDERWRITERS INSURANCE COMPANY and Zurich American Insurance Company, Petitioners
v.
The Honorable Patrick N. WILSON, Judge of the Circuit Court of Marion County, West Virginia, Christina M. Varvel, Administratrix of the Estate of David Ralph Allen, Deceased, Salvatore Cava, Dan's Car World, LLC, Dan Cava's Toyota World, and Daniel A. Cava, Respondents

No. 18-0509

Supreme Court of Appeals of West Virginia.

Submitted: February 5, 2019
Filed: March 8, 2019

Arie M. Spitz, Esq., Jill C. Rice, Esq., Dinsmore & Shohl, LLP, Charleston, West Virginia, Attorneys for Petitioners

Dino S. Colombo, Esq., Travis T. Mohler, Esq., Colombo Law, Morgantown, West Virginia, Attorneys for Respondent, Christina M. Varvel

Hutchison, Justice:

This matter was brought under the original jurisdiction of this Court as a petition for *98a writ of prohibition, by Universal Underwriters Insurance Company and Zurich American Insurance Company (hereinafter "Petitioners").1 The Petitioners seek to have this Court prohibit enforcement of a ruling by the Circuit Court of Marion County that denied their motion for summary judgment against the Respondent, Christina M. Varvel, administratrix of the estate of David Ralph Allen. Upon careful review of the briefs, the appendix record, the arguments of the parties, and the applicable legal authority, we grant the writ.

I.

FACTUAL AND PROCEDURAL HISTORY

On May 30, 2014, in the town of Bridgeport, West Virginia, Salvatore Cava pulled out of the parking lot of a McDonald's restaurant and collided with a motorcycle being driven by David Ralph Allen. Mr. Allen sustained injuries and was taken to a hospital. He died several days later. The car that was driven by Salvatore Cava was owned by an auto dealership called Dan's Car World. Salvatore Cava's father, Dan Cava (Mr. Cava), owned the auto dealership.2 Petitioners provided an insurance policy for Dan's Car World. Under Part 500 of the policy, entitled Garage Operations and Auto Hazard, a limit of $ 300,000 in liability coverage was provided. Part 980 of the policy, entitled Commercial Umbrella, provided up to $ 5,000,000 in liability coverage.

In December of 2014, Respondent brought a civil action initially against Salvatore Cava and Dan's Car World. The Respondent also asserted a declaratory judgment action against Petitioners to determine the amount of insurance coverage available. The complaint was eventually amended in January of 2016, to add Mr. Cava as a defendant. The Petitioners offered to settle the matter for $ 300,000, the limit under the garage coverage provision of the policy. The Petitioners took the position that the umbrella coverage part of the policy did not cover the Respondent's claims against Salvatore Cava, because he was not a designated person under that provision. The Respondent rejected the settlement offer and argued that the umbrella portion of the policy provided additional liability coverage for the claims asserted against Salvatore.

In March of 2016, Mr. Cava, Salvatore Cava and Dan's Car World filed individual cross-claims against the Petitioners, asserting bad faith, breach of contract and other claims. Petitioners filed a motion to dismiss the cross-claims. The circuit court denied the motion. The Petitioners filed a writ of prohibition with this Court challenging the denial of its motion to dismiss. This Court granted Petitioners relief in that proceeding, after it was determined that the circuit court lacked subject matter jurisdiction over the cross-claims because those claims were not ripe.3 See State ex rel. Universal Underwriters Ins. Co. v. Wilson , 239 W. Va. 338, 801 S.E.2d 216 (2017).

After our decision in Wilson , the Petitioners filed a motion for summary judgment in the declaratory judgment case.4 Mr. Cava and Dan's Car World also filed a motion for summary judgment on the tort claims. In an opinion letter dated May 29, 2018, the circuit court denied Petitioners' motion for summary judgment on the coverage issue.5 The circuit court denied summary judgment based upon *99two dispositive factors. First, it was found that a material issue of fact was in dispute regarding the reasonable expectation of coverage for Salvatore Cava under the umbrella provision of the policy. Second, the court found that judicial estoppel could not be invoked by Petitioners to preclude Mr. Cava from testifying about an alleged conversation he had with Petitioners' agent regarding umbrella coverage for Salvatore Cava. Petitioners filed the instant matter after the circuit court denied their motion for summary judgment in the opinion letter.6

II.

STANDARD OF REVIEW

This case comes to this Court as a petition for a writ of prohibition. We have long held that "[t]he writ of prohibition will issue only in clear cases, where the inferior tribunal is proceeding without, or in excess of, jurisdiction." Syllabus, State ex rel. Vineyard v. O'Brien , 100 W. Va. 163, 130 S.E. 111 (1925). See Syl. pt. 2, State ex rel. Peacher v. Sencindiver , 160 W. Va. 314, 233 S.E.2d 425 (1977) ("A writ of prohibition will not issue to prevent a simple abuse of discretion by a trial court. It will only issue where the trial court has no jurisdiction or having such jurisdiction exceeds its legitimate powers. W. Va. Code 53-1-1."). In Syllabus point 4 of State ex rel. Hoover v. Berger , 199 W. Va. 12, 483 S.E.2d 12 (1996), we set forth the following standard for issuance of a writ of prohibition when it is alleged a lower court is exceeding its authority:

In determining whether to entertain and issue the writ of prohibition for cases not involving an absence of jurisdiction but only where it is claimed that the lower tribunal exceeded its legitimate powers, this Court will examine five factors: (1) whether the party seeking the writ has no other adequate means, such as direct appeal, to obtain the desired relief; (2) whether the petitioner will be damaged or prejudiced in a way that is not correctable on appeal; (3) whether the lower tribunal's order is clearly erroneous as a matter of law; (4) whether the lower tribunal's order is an oft repeated error or manifests persistent disregard for either procedural or substantive law; and (5) whether the lower tribunal's order raises new and important problems or issues of law of first impression. These factors are general guidelines that serve as a useful starting point for determining whether a discretionary writ of prohibition should issue. Although all five factors need not be satisfied, it is clear that the third factor, the existence of clear error as a matter of law, should be given substantial weight.

With the foregoing in mind, we turn to the parties' arguments.

III.

DISCUSSION

The Petitioners argue that the circuit court erred as a matter of law in denying their motion for summary judgment on the grounds that (1) the umbrella coverage provision of the policy was ambiguous therefore the doctrine of reasonable expectations applied, and (2) the doctrine of judicial estoppel *100did not apply. The Respondent takes the position, as it did below, that summary judgment was properly denied because the doctrine of reasonable expectations applied for two reasons: (1) ambiguity existed as to whether Endorsement No. 043 applied to the umbrella coverage provision; and (2) because of the conflicting evidence as to whether Petitioners' agent informed Mr. Cava that Salvatore was covered under the umbrella provision of the policy. The Respondent also argues that Petitioners failed to satisfy the elements of the doctrine of judicial estoppel.

We begin by setting out the legal principles that guide our resolution of the issue of the application of the doctrine of reasonable expectations to this case. This Court has defined the doctrine of reasonable expectations as follows:

With respect to insurance contracts, the doctrine of reasonable expectations is that the objectively reasonable expectations of applicants and intended beneficiaries regarding the terms of insurance contracts will be honored even though painstaking study of the policy provisions would have negated those expectations.

Syl. pt. 8, Nat'l Mut. Ins. Co. v. McMahon & Sons, Inc ., 177 W. Va. 734, 356 S.E.2d 488 (1987), overruled on other grounds by Parsons v. Halliburton Energy Servs., Inc ., 237 W. Va. 138, 785 S.E.2d 844 (2016) and Potesta v. U.S. Fid. & Guar. Co ., 202 W. Va. 308, 504 S.E.2d 135 (1998). We have also made clear that "[b]efore the doctrine of reasonable expectations is applicable to an insurance contract, there must be an ambiguity regarding the terms of that contract." Syl. pt. 2, Robertson v. Fowler , 197 W. Va. 116, 475 S.E.2d 116 (1996). "When reasonable people can differ about the meaning of an insurance contract, the contract is ambiguous, and all ambiguities will be construed in favor of the insured." Syl. pt. 1, D'Annunzio v. Security-Connecticut Life Insurance Co ., 186 W.Va. 39, 410 S.E.2d 275 (1991). See Syl. pt. 1, Prete v. Merchants Prop. Ins. Co. of Indiana , 159 W. Va. 508, 223 S.E.2d 441 (1976) ("Whenever the language of an insurance policy provision is reasonably susceptible of two different meanings or is of such doubtful meaning that reasonable minds might be uncertain or disagree as to its meaning, it is ambiguous."). In construing the terms of a policy we have held that "[l]anguage in an insurance policy should be given its plain, ordinary meaning." Cherrington v. Erie Ins. Prop. & Cas. Co ., 231 W. Va. 470, 486, 745 S.E.2d 508, 524 (2013) (internal quotation marks and citation omitted). Thus, "[w]here the provisions of an insurance policy contract are clear and unambiguous they are not subject to judicial construction or interpretation, but full effect will be given to the plain meaning intended." Syllabus, Keffer v. Prudential Ins. Co. of America , 153 W. Va. 813, 172 S.E.2d 714 (1970).

As previously stated, the Respondent argues that the policy is ambiguous because it is not clear as to whether Endorsement No. 043 applies to the umbrella provision. The relevant language of the umbrella provision reads as follows:

Who Is An Insured
***
C. With respect to:
1. any AUTO or watercraft used in YOUR business; or
2. personal use of any AUTO owned or hired by YOU;
any person or organization shown in the declarations for this coverage part as a
Designated Person.
***
Commercial Umbrella
***
Endorsements Applicable:
0089 Umbrella Limits Inclusive
0809 Personal Property in Customer's Auto Excluded
Designated Persons:
Dan Cava

The quoted language from the umbrella provision of the policy is not ambiguous. It clearly only designates "Dan Cava" as an insured under the umbrella provision. The Respondent contends that the language which makes the policy ambiguous is contained in Endorsement No. 043. The language in Endorsement No. 043 provides that an insured under the umbrella provision is "any of YOUR partners, paid employees, directors, *101executive officers, or stockholders, and members of their households." According to the Respondent Endorsement No. 043 provides umbrella coverage for Salvatore Cava because he was a member of Mr. Cava's household.

The Respondent asserts that it is unclear as to whether Endorsement No. 043 applies to the policy, therefore the policy is ambiguous. We disagree. The Petitioners point out that the type of policy issued to Dan's Car World is called a Unicover Policy. This type of policy is typically issued to auto dealerships. A Unicover Policy comprises about 200 pages that set out numerous coverage options and endorsements. According to Petitioners "[w]hen a policy is sold to a customer, a Declarations Page(s) is issued to that customer that identifies which of the coverage options and endorsements contained in the booklet the customer has purchased." The Petitioners point out that the policy purchased by Dan's Car World clearly and unambiguously sets out the Endorsements that are applicable to the umbrella provision: Endorsement No. 0089 and Endorsement No. 0809. It is clear to this Court that the Respondent has simply located an Endorsement that was not purchased by Dan's Car World and attempted to use it to argue that the policy is ambiguous. We have made clear that "[a]n insurance policy should never be interpreted so as to create an absurd result, but instead should receive a reasonable interpretation, consistent with the intent of the parties." Syl. pt. 2, D'Annunzio .

The decision in Universal Underwriters Ins. Co. v. Paradis , 50 Conn. Supp. 486, 940 A.2d 918 (Super. Ct. 2006), aff'd, 285 Conn. 342, 940 A.2d 730 (2008) demonstrates the simplicity of reviewing an umbrella provision of a Unicover Policy to determine who is a named insured. In that case, an auto dealership's employee, Eric Paradis, was sued for causing the death of a person while driving his employer's car. The employer had a Unicover Policy that provided umbrella coverage in the amount of $ 10 million. The insurer filed a declaratory judgment action seeking a determination that the umbrella coverage did not apply to the employee. The trial court granted summary judgment for the insurer, which was affirmed on appeal, based upon the following reasoning:

Crowley's unicover policy explicitly names the individual insureds for each coverage part separately.... Page 1-0 of the policy declarations provides in relevant part: "Umbrella (Part 980) ... Designated Persons: Kenneth Crowley, Steven Miller, Thomas Moden, Kimberley Marie Crowley, Mark Crowley, James Brooks, Gary Stebbins, Peter Kelly, Thomas Strano, Tom Jasperson [and] Debbie Fregeau." Paradis is not listed. Our Supreme Court in Cantonbury Heights Condominium Assn., Inc. v. Local Land Development, LLC , 273 Conn. 724, 735, 873 A.2d 898 (2005), explained that "[a] contract is unambiguous when its language is clear and conveys a definite and precise intent.... The court will not torture words to impart ambiguity where ordinary meaning leaves no room for ambiguity.... [T]he mere fact that the parties advance different interpretations of the language in question does not necessitate a conclusion that the language is ambiguous.... If the language of the contract is susceptible to more than one reasonable interpretation, the contract is ambiguous." (Internal quotation marks omitted.) Unambiguous contract language is given effect according to its terms. Poole v. Waterbury , 266 Conn. 68, 88, 831 A.2d 211 (2003). The declarations, by their terms, designate by name the business entities and individuals insured under the optional umbrella coverage. The definition of an insured for such coverage has a definite and precise meaning concerning which there is no reasonable basis for a difference of opinion. As a consequence, efforts by Lamont and the estate to assert that Paradis had umbrella coverage must fail.

Paradis , 50 Conn. Supp. at 493-95, 940 A.2d at 923-24.

The decision in Paradis is consistent with our conclusion that umbrella coverage under Petitioners' Unicover Policy is determined by a review of who has been named in the Designated Persons section of the provision. In the instant proceeding, Mr. Cava is the only person named in the Designated Persons *102section of the umbrella provision. There is nothing ambiguous about that designation.

Although we have determined that no ambiguity exists in the relevant language of the umbrella provision of the policy, the Respondent contends that the doctrine of reasonable expectations may still apply because of an alleged conversation between Petitioners' agent and Mr. Cava before the auto accident occurred. "[T]his Court has applied the doctrine of reasonable expectations in select cases not involving ambiguous policy provisions[.]" Cherrington , 231 W. Va. at 493 n.43, 745 S.E.2d at 531 n.43 (2013). We have done so when reliable and relevant evidence, extrinsic to a policy, casts doubt on whether a claim was not covered by an otherwise unambiguous policy. See New Hampshire Ins. Co. v. RRK, Inc ., 230 W. Va. 52, 736 S.E.2d 52 (2012) (holding that a jury question was presented as to whether it was reasonable for insured to rely solely on a 17-page fax as containing all of the terms of its insurance contract and in failing to review the actual policy mailed to it on two occasions); Costello v. Costello , 195 W. Va. 349, 465 S.E.2d 620 (1995) (holding that conduct during the application process may have created a reasonable expectation of insurance); Keller v. First Nat'l Bank , 184 W.Va. 681, 403 S.E.2d 424 (1991) (finding that even though offer to insure was extended by mistake it created an expectation of coverage therefore coverage could not be denied); Romano v. New England Mutual Life Insurance Co ., 178 W.Va. 523, 362 S.E.2d 334 (1987) (finding unambiguous policy exclusion not applicable because promotional materials provided to the insured led him to a reasonable belief that he was covered under the policy). During oral argument counsel for Petitioners suggested that in Erie Ins. Prop. & Cas. Co. v. Chaber , 239 W. Va. 329, 801 S.E.2d 207 (2017) this Court implicitly disapproved of the line of cases invoking the doctrine of reasonable expectations when a policy was not ambiguous. The decision in Erie did not implicitly reject the principle of law recognized in those line of cases.

In Erie this Court merely refused to consider the exception to the ambiguity requirement under the specific facts of that case. Had the opinion intended to disapprove of the line of cases recognizing the exception to the ambiguity requirement, we would have done so expressly. In order to bring clarity to the bench and bar, we now expressly hold that as a general rule, in order for the doctrine of reasonable expectations to be applicable to an insurance contract, there must be an ambiguity regarding the terms of that contract. However, an exception to this general rule occurs when reliable and relevant evidence, extrinsic to the insurance contract, casts a reasonable doubt as to whether coverage was provided by an otherwise unambiguous policy. We must now determine whether the facts of this case fall within the narrow exception to the requirement of ambiguity to trigger the doctrine of reasonable expectations.

To start, before Mr. Cava was brought into the case as a named defendant, the Petitioners sought to depose Dan's Car World under Rule 30(b)(7) of the West Virginia Rules of Civil Procedure.7 Dan's Car World designated its controller, Tiffany Moine, as the Rule 30(b)(7) deponent for the company.8 During *103the deposition, which occurred on June 29, 2015, Ms. Moine testified about a conversation she had with Mr. Cava regarding policy coverage for Salvatore Cava. The relevant part of the deposition testimony was as follows:

Q. All right. Well, are you aware of any communications between Dan's Car World and Zurich or Universal that would be considered a request for coverage in addition to or separate from the coverages that are shown on this dec page?
A. Yes, I am aware of a conversation.
Q. All right. Tell me about that, please.
A. After the incident, Danny had a conversation with me that he was under the-the assumption that after he spoke with a representative with Zurich at some point in time after Salvatore was needing to be put on our policy, that Danny was under the assumption that he had been added to the policy. He had this conversation with the representative to add him.
***
Q. And when was Salvatore supposed to be added to the policy.
A. That I'm not sure. I don't know.
***
Q. All right. And what communication did, I take it, Dan Cava have with Universal or Zurich in which he expressed a desire for Salvatore to be added to the policy which-which occurred prior to May of 2014?
A. He had a conversation with our representative-
Q. And who's your representative?
A. -of Zurich. At the time it would have been Scott Beresford.
***
Q. Do you know if any written correspondence was exchanged between Mr. Beresford and Dan Cava concerning adding Salvatore to the policy?
A. I do not know.
***
Q. Do you know what Mr. Beresford communicated to Dan Cava during that conversation?
A. I do not know.
***
Q. And what I want to know is: Did Dan Cava tell you what Scott Beresford said to him during that conversation?
A. No.
Q. Did Dan Cava tell you what he said to Scott Beresford during that conversation?
A. Yes, and I've already said that. That he was-told him that he needed to have Salvatore added to the policy because he would be driving one of our vehicles.
***
Q. And if we want to know what Scott Beresford said to Dan Cava, we would have to ask Dan; is that correct?
A. Yes.
***
Q. Do you know if that premium ever changed during the course of the policy?
A. No, it did not change.
***
Q. Did Dan Cava-tell me as specifically as you can what Dan Cava told you he asked Scott Beresford to provide in terms of coverage for Salvatore.
A. He didn't tell me specifically what coverage. He told me that he told Scott Beresford-he was under the assumption that Salvatore was on the policy because he told Scott Beresford to add him, and that was when Salvatore started driving his car. Salvatore was no longer driving a-a vehicle, and he was driving one of our vehicles, and at that time he told Scott Beresford to add him.
***
Q. And I take from your earlier testimony, though, that it's your understanding that prior to Salvatore beginning to use a car that was owned by Dan's Car World, Dan Cava had a conversation with Scott Beresford *104in which he asked for Salvatore to be, quote/unquote, added to the policy because he was going to be driving a car owned by Dan's Car World?
A. That is my understanding.

Reduced to its essence, Ms. Moine testified that Mr. Cava told her that he asked Petitioners' agent to add Salvatore Cava to the policy. After Ms. Moine's deposition the Petitioners filed a motion to compel Dan's Car World to produce a Rule 30(b)(7) witness who could testify about what its agent said to Mr. Cava regarding adding Salvatore Cava to the policy.9 Dan's Car World opposed the motion. In doing so, it argued, "to the extent [Dan's Car World's] representative was unaware of information sought by Zurich, that information is not available and [Dan's Car World] is bound by that response." The circuit court entered an order dated September 21, 2015, which denied the motion to compel.10 On March 13, 2018, several years after Ms. Moine's deposition, the Respondent deposed Mr. Cava. During that deposition, Mr. Cava testified that Petitioners' agent told him that he did not have to add Salvatore to the policy because he was already covered under the garage provision and umbrella provision.11

The Respondent primarily relies upon the deposition testimony of Mr. Cava to argue that there was a reasonable expectation of coverage, even if the policy was not ambiguous.12 However, the deposition testimony of Mr. Cava is not consistent with prior representations of Dan's Car World.13 When the Petitioners sought to determine what its agent was supposed to have said to Mr. Cava, Ms. Moine testified that Mr. Cava did not tell her what the agent said. The Respondent's attempt to rely on the deposition testimony of Mr. Cava, for information that Dan's Car World's Rule 30(b)(7) deponent could not supply, is problematic and presents two entangled issues of first impression for this Court: (1) could Mr. Cava's deposition have been used by Dan's Car World, and (2) if not, may the Respondent use it.

To begin, federal courts have addressed the issue of a corporation attempting to use evidence at the summary judgment stage that differed from the responses of its Rule 30(b)(6) witness.14 In this context federal *105courts hold that at the summary judgment stage a corporation " 'is not allowed to defeat a motion for summary judgment based on an affidavit that conflicts with its Rule 30(b)(6) deposition or contains information that the Rule 30(b)(6) deponent professed not to know.' " Vehicle Mkt. Research, Inc. v. Mitchell Int'l, Inc ., 839 F.3d 1251, 1260 (10th Cir. 2016), quoting 7 James William Moore et al., Moore's Federal Practice -Civil § 30.25.15 See Keepers, Inc. v. City of Milford , 807 F.3d 24, 35 (2d Cir. 2015) ("Some deponents will, of course, try to abuse Rule 30(b)(6) by intentionally offering misleading or incomplete responses, then seeking to 'correct' them by offering new evidence after discovery. Appropriate remedies are available for such situations."); Daubert v. NRA Grp., LLC , 189 F.Supp.3d 442, 458 (M.D. Pa. 2016) ("A party may not retract prior 30(b)(6) testimony with a later affidavit, and then use that affidavit to preclude summary judgment."); Weinstein v. D.C. Hous. Auth ., 931 F.Supp.2d 178, 186 (D.D.C. 2013) ("In other words, if a deponent initially pleads ignorance when asked about a subject, but a declaration filed by another employee later raises 'new or different allegations that could have been made at the time of the 30(b)(6) deposition,' the later filing will not be considered."); Hyde v. Stanley Tools , 107 F.Supp.2d 992, 993 (E.D. La. 2000) ("Stanley should not be allowed to defeat Hyde's motion for summary judgment based upon its self-serving abuse of a Rule 30(b)(6) deposition.").

The decision in Rainey v. Am. Forest & Paper Ass'n, Inc ., 26 F.Supp.2d 82 (D.D.C. 1998) illustrates the federal position regarding an organization using testimony by a non- Rule 30(b)(6) deponent to provide testimony that its Rule 30(b)(6) witness failed to provide. In Rainey , a former employee brought an action for declaratory judgment, seeking a determination as to whether the defendant improperly classified her so to as exempt her from receiving overtime pay. During discovery the defendant designated two Rule 30(b)(6) deponents. One of the deponents had no knowledge of the plaintiff's work, and the second deponent did not have knowledge of many issues related to plaintiff's employment. After the plaintiff moved for partial summary judgment, the defendant submitted an affidavit from plaintiff's former supervisor which disclosed information that was not provided by the Rule 30(b)(6) deponents. The district court rejected the affidavit as follows:

[P]laintiff reads Rule 30(b)(6) as precluding defendant from adducing from Ms. Kurtz a theory of the facts that differs from that articulated by the designated representatives. Plaintiff's theory is consistent with both the letter and spirit of Rule 30(b)(6). First, the Rule states plainly that persons designated as corporate representatives "shall testify as to matters known or reasonably available to the organization." Fed.R.Civ.P. 30(b)(6). This makes clear that a designee is not simply testifying about matters within his or her own personal knowledge, but rather is "speaking for the corporation" about matters to which the corporation has reasonable access. By commissioning the designee as the voice of the corporation, the Rule obligates a corporate party "to prepare its designee to be able to give binding answers" in its behalf. Unless it can prove that the information was not known or was inaccessible, a corporation cannot later proffer new or different allegations that could have been made at the time of the 30(b)(6) deposition.

*106Rainey , 26 F.Supp.2d at 94 (citations omitted). See United States v. Taylor , 166 F.R.D. 356, 362 (M.D.N.C. 1996) ("Therefore, if a party states it has no knowledge or position as to a set of alleged facts or area of inquiry at a Rule 30(b)(6) deposition, it cannot argue for a contrary position ... without introducing evidence explaining the reasons for the change.").

In light of the above federal authorities, we now hold that pursuant to Rule 30(b)(7) of the West Virginia Rules of Civil Procedure, an organization is required to designate a deponent(s) who must testify as to matters known or reasonably available to the organization that were designated for the deposition. Generally, if the deponent testifies that he or she has no information on a matter that comes within the scope of the areas designated for the deposition, the organization may not, for summary judgment purposes, proffer new or different information that could have been provided at the time of the Rule 30(b)(7) deposition. The information may, however, be proffered if the organization can show that the information was not known or was inaccessible at the time of the deposition.16

Insofar as our holding involves a Rule 30(b)(7) deponent, we apply it to the deposition testimony of Ms. Moine. As we previously indicated in this opinion, Dan's Car World designated Ms. Moine as its Rule 30(b)(7) deponent. Ms. Moine testified that Mr. Cava told her that he asked Petitioners' agent to add Salvatore Cava to the policy. However, when asked how the agent responded to Mr. Cava's request, Ms. Moine testified several times that she did not know. In response to Petitioners' motion to compel Dan's Car World to produce a Rule 30(b)(7) witness who could answer the question, Dan's Car World stated that the information was not available. Several years later Mr. Cava testified at a deposition, called by the Respondent, that Petitioners' agent informed him that Salvatore Cava was already covered under the garage provision and umbrella provision of the policy. Nowhere in the record does it show that at the time of Ms. Moine's deposition, this information was not known or was inaccessible to Mr. Cava as owner of Dan's Car World. Under these set of facts, if Dan's Car World were still a party to this proceeding, it would not be able to offer the new information provided by Mr. Cava's deposition to defeat summary judgment.17 The issue we must now resolve is whether the Respondent should be allowed to use Mr. Cava's deposition testimony to show a reasonable expectation of coverage, when Dan's Car World would be prohibited from using that same testimony to defeat Petitioners' summary judgment motion. Resolution of *107this issue is found in the doctrine of judicial estoppel.

The Petitioners argue that Mr. Cava's testimony should be precluded under the doctrine of judicial estoppel.18 The Respondent contends that the Petitioners cannot satisfy the elements of judicial estoppel adopted by this Court in W. Va. Dep't of Transp., Div. of Highways v. Robertson , 217 W. Va. 497, 618 S.E.2d 506 (2005).

We begin by observing that the doctrine of judicial estoppel has been explained as follows:

The judicial estoppel doctrine generally prevents a party from asserting a claim in a legal proceeding that is inconsistent with a claim taken by that party in a previous proceeding or the same proceeding. The purpose of the doctrine is to protect the integrity of the judicial process, by prohibiting a party from deliberately changing positions according to the exigencies of the moment.

Palmer, et al., Litigation Handbook , § 8(c), at 235. See Monterey Dev. Corp. v. Lawyer's Title Ins. Corp ., 4 F.3d 605, 609 (8th Cir. 1993) ("Unlike its related counterparts-collateral estoppel, which prevents repetitive litigation, and equitable estoppel, which prevents contracting parties from asserting contradictory positions to ensure fairness between them-judicial estoppel is designed to preserve the dignity of the courts and insure order in judicial proceedings."); Edwards v. Aetna Life Ins. Co ., 690 F.2d 595, 598 (6th Cir. 1982) ("Unlike equitable estoppel, judicial estoppel may be applied even if detrimental reliance or privity does not exist. This distinction reflects the difference in the policies served by the two rules. Equitable estoppel protects litigants from less than scrupulous opponents. Judicial estoppel, however, is intended to protect the integrity of the judicial process."). In syllabus point 2 of Robertson we set out the following test for establishing judicial estoppel:

Judicial estoppel bars a party from re-litigating an issue when: (1) the party assumed a position on the issue that is clearly inconsistent with a position taken in a previous case, or with a position taken earlier in the same case; (2) the positions were taken in proceedings involving the same adverse party; (3) the party taking the inconsistent positions received some benefit from his/her original position; and (4) the original position misled the adverse party so that allowing the estopped party to change his/her position would injuriously affect the adverse party and the integrity of the judicial process.

See Grove v. State ex rel. Black , No. 17-0083, 2018 WL 2174128, at *4-5 (W. Va. May 11, 2018) (Memorandum Decision) ("We conclude that the doctrine of judicial estoppel is not applicable here because all of the required elements are not satisfied.").

The general test for establishing judicial estoppel that we outlined in Robertson does not fit the situation that we face *108under the facts of this case.19 This, however, does not preclude further consideration of the doctrine. It has been correctly noted by the United States Supreme Court that "the circumstances under which judicial estoppel may appropriately be invoked are not reducible to any general formulation." New Hampshire v. Maine , 532 U.S. 742, 743, 121 S.Ct. 1808, 1810, 149 L.Ed.2d 968, 973 (2001). In the context of the instant case, we are called upon to determine the application of judicial estoppel against the Respondent for conduct engaged in by Mr. Cava and his company, Dan's Car World. Federal courts have addressed the issue of a litigant being bound by the conduct of another litigant, in the context of judicial estoppel. The federal approach has been summarized as follows:

Judicial estoppel looks to the connection between the litigant and the judicial system, not the relationship between the parties to the prior litigation. Because the doctrine of judicial estoppel is intended to protect the courts, we are particularly mindful that the [i]dentity of parties is not a mere matter of form, but of substance. Parties nominally the same may be, in legal effect, different; and parties nominally different may be, in legal effect, the same. While it is true that a new party should generally not be punished for another party's unseemly conduct, there are circumstances in which it is fair to bind a nonparty to another party's actions. To protect the integrity of the judicial process, a court needs freedom to consider the equities of an entire case.

Toyo Tire & Rubber Co. v. Hong Kong Tri-Ace Tire Co ., 281 F.Supp.3d 967, 983 (C.D. Cal. 2017) (internal quotation marks and citations omitted). See Monterey Dev. Corp. v. Lawyer's Title Ins. Corp ., 4 F.3d 605, 609 (8th Cir.1993) ("Judicial estoppel prevents a person who states facts under oath during the course of a trial from denying those facts in a second suit, even though the parties in the second suit may not be the same as those in the first."); Schuring v. Cottrell, Inc ., 2015 WL 9850317 (N.D. Illinois. September 29, 2015) ("Only in 'unusual circumstances' is it equitable to attribute the actions of a nonparty to a party for the purposes of judicial estoppel."); Rand G. Boyers, Precluding Inconsistent Statements: The Doctrine of Judicial Estoppel , 80 Nw. U. L. Rev. 1244, 1262 (1986) ("The courts should reserve the doctrine of judicial estoppel for parties' attempts to contradict positions they asserted either as parties or nonparty witnesses in previous proceedings.").

The decision in Grochocinski v. Mayer Brown Rowe & Maw, LLP , 719 F.3d 785 (7th Cir. 2013) illustrates a situation in which judicial estoppel was applied against a litigant because of prior judicial conduct by a nonparty. In Grochocinski a bankruptcy trustee filed an action in federal court against a law firm for malpractice. The trustee argued that the law firm was negligent in causing the bankrupt debtor, CMGT, Inc., to have a default judgment rendered against it in an action brought by Spehar Capital.20 The law firm filed a motion for summary judgment. The district court granted the motion on the grounds that the doctrine of judicial estoppel barred the inconsistencies in the suit, and the prior action by Spehar Capital against CMGT. The Seventh Circuit affirmed. In doing so, the opinion set out the following relevant facts and law:

Shortly after Grochocinski was appointed trustee of CMGT's estate, Spehar Capital approached him about bringing a malpractice action against CMGT's attorneys, Given and the Mayer Brown firm. The bankrupt CMGT had essentially no assets, so Spehar Capital's only hope for recovering on the default judgment in the California suit was to convince the trustee to sue CMGT's lawyers for malpractice.
***
Acknowledging that the parties to this suit are different from the California suit, the district court found this was not a per se bar because judicial estoppel is concerned solely with protecting the integrity of the courts, not the relationship between the *109parties to the prior litigation. The court found it appropriate to bind the trustee to Spehar Capital's prior conduct because the trustee acted at all times as a proxy for the real party in this case, [Spehar Capital]. The court then found that Spehar Capital's judgment in the California suit was inconsistent with the trustee's need to prove in the malpractice suit that Spehar Capital was never entitled to the judgment in the first place and that without this argument, the malpractice action failed as a matter of law.
***
The trustee bases his appeal on a question of first impression: What showing is required to apply judicial estoppel to a litigant based on the litigation positions of someone else? The trustee argues that the district court erred in applying judicial estoppel by attributing to the estate Spehar Capital's previous litigation positions.
***
Judicial estoppel is a flexible equitable doctrine that is not reducible to any general formulation of principle and accordingly does not lend itself to rigid rules. To protect the integrity of the judicial process, a court needs freedom to consider the equities of an entire case. Therefore it is appropriate for a court considering judicial estoppel effects of a non-party's conduct to engage in an equitable inquiry that turns on the specific circumstances of an individual case. With this in mind, we turn to the equities of this case.
The district court concluded that the unusual circumstances of this case made it equitable to treat the trustee and Spehar Capital as the same entity so that positions taken by Spehar Capital in the California suit would be attributed to the trustee for purposes of judicial estoppel.
***
Based on the undisputed facts, the district court did not abuse its discretion in reaching this conclusion as a matter of its equitable judgment.
***
The trustee also argues that judicial estoppel is inequitable here because it will unfairly prevent the innocent unsecured creditors from receiving any recovery. In other circumstances, this could be a serious concern, but it does not sway the equities in this case.

Grochocinski , 719 F.3d at 792-797 (internal quotation marks and citations omitted).

The decision in Amari Co. v. Burgess , 955 F.Supp.2d 868 (N.D. Ill. 2013) applied judicial estoppel to deny a motion for summary judgment filed by the defendants. The plaintiffs in Burgess were sixteen businesses that sued three defendants, owners of several consulting companies referred to as IPA. The plaintiffs alleged that the defendants engaged in racketeering activity that swindled them into buying expensive, but worthless business management and tax consulting services. Shortly after the plaintiffs filed their action in federal court, IPA filed numerous actions in an Illinois state court against numerous businesses, including some of the plaintiffs in the Burgess action. The plaintiffs in the Burgess action filed a motion to stay the state court proceeding, pending the outcome of their federal case. The Burgess plaintiffs contended that IPA and the defendants in their action were the same, because IPA was owned by the Burgess defendants. IPA argued that it was not the same Burgess defendants and that the Burgess defendants were not named as parties in IPA's state court case. The state court agreed and denied the motion to stay. Ultimately IPA was able to obtain a judgment against many of the businesses in the state court action. Subsequent to the resolution of the state court cases, the defendants in Burgess moved for summary judgment. In doing so the defendants argued that they and IPA were one and the same, therefore res judicata prevented the federal action from proceeding further. The district court rejected the res judicata argument and held that judicial estoppel precluded the defendants from arguing that they and IPA were the same:

In state court, where IPA and its affiliates were angling for speedy judgments on their collection claims (perhaps for the very purpose of trying to use them here to preclude the RICO claim), and deploring the state-court defendants' motions to stay as mere delay tactics, the companies argued *110that they were distinct from the [three Burgess defendants].... IPA won that argument, and as a result, its state-court suits proceeded to judgment.... Now, however, the defendants insist that they are legally the equivalent of the IPA entities, and cannot be subject to redundant litigation in this Court.... This confusing argument-without the support of any affidavit or other evidence-does not justify the about-face the [defendants] have made on this issue.
***
Nor does it matter that the party advancing the argument in state court was IPA and here it is the [defendants]. The [defendants] received the benefit of the argument in state court; whether they were listed in the caption or not, their legal and financial interests were the same as IPA's (as they now admit). And given their current position that they are in total privity with the IPA entities, they cannot be heard to argue that judicial estoppel does not apply because a nominally different party (their corporate counterparts) succeeded on the argument in state court.
Moreover, judicial estoppel does not come into play only when a party attempts to retreat in a second case from an argument on which it prevailed in a separate earlier case; it also prevents a party from prevailing in one phase of a case on an argument and then relying on a contradictory argument to prevail in another phase. The defendants are not only changing their story from the prior litigation, they are changing their approach to this lawsuit to date. In their answers to the amended complaint, the defendants would do no more than admit to being employed by the IPA entities. Moreover, throughout the tortured discovery in this litigation, they have taken great pains to emphasize IPA's "non-party" status, and to downplay any control over that nonparty when the plaintiffs sought written and oral discovery from the IPA entities and their employees.... In short, the [defendants] have been conducting discovery as though they do not control the IPA entities. The Court will not accept a contrary representation for purposes of this motion. The defendants are estopped from arguing that this case and the Lake County cases are between the same parties or their privies. Therefore, the defendants cannot establish the "identity of the parties" element of the res judicata inquiry.

Burgess , 955 F.Supp.2d at 880-881 (internal quotation marks and citation omitted). See Milton H. Greene Archives, Inc. v. CMG Worldwide, Inc ., 568 F.Supp.2d 1152, 1190-1191 (C.D. Cal. 2008) ("the court concludes it is appropriate, on the facts of this case, to hold that plaintiffs are judicially estopped to take a position contrary to that which their predecessors' representative took in the inheritance tax proceedings.").

The decision in American Transp. Grp. LLC v. California Cartage Co., LLC , 168 F.Supp.3d 1074 (N.D. Ill. 2016) applied the doctrine of judicial estoppel to prevent a litigant from asserting inconsistent liability theories in different lawsuits. The plaintiff in American initially sued a transport carrier, ACH Express, for losing two shipments of copper cathodes. ACH Express failed to answer the complaint. The plaintiff moved for default judgment and submitted an affidavit from one of its management employees. The affidavit stated that the two shipments of copper cathodes were tendered to ACH Express and that ACH Express acknowledged receipt of the shipments, but failed to deliver them. The federal district court entered default judgment against ACH Express. A few months after the plaintiff in American filed the action in federal court against ACH Express, it filed another action in the same court against two warehouse companies. In the second suit the plaintiff in American alleged that the two defendants failed to deliver the two shipments of copper cathodes to ACH Express. After the two defendants learned that the plaintiff obtained a judgment against ACH Express for the same two shipments of copper cathodes, they moved for summary judgment. The defendants argued that the doctrine of judicial estoppel precluded any claim by the plaintiff that was inconsistent with its prior representations about what happened to the shipments of copper cathodes. The district court granted summary judgment based upon the following:

*111Unlike res judicata or other preclusion doctrines ..., judicial estoppel relates to the federal courts' ability to protect themselves from manipulation.... The purpose is to protect the integrity of the judicial process.
Simply stated, under the doctrine of judicial estoppel, a party who prevails on one ground in a prior proceeding cannot turn around and deny that ground in a later proceeding. The principle is that if you prevail in Suit # 1 by representing that A is true, you are stuck with A in all later litigation growing out of the same events.
***
[Plaintiff] is also off-base in suggesting that judicial estoppel should not apply because these defendants were not parties to the prior case and the judgment "had no affect [sic] or impact upon" them. Judicial estoppel is about protecting the courts from manipulation, not protecting the interests of particular parties. Identity of the parties is not required. Judicial estoppel may be raised by any party, regardless of whether the party was prejudiced by the inconsistency, or by the court on its own motion. [Plaintiff] can rest assured that this Court would have raised the issue sua sponte had the defendants not done so.
[Plaintiff] is right about one thing: Judicial estoppel is an equitable doctrine designed to prevent unfairness and inequitable conduct. And that is what it does here in barring [plaintiff's] attempt to secure a second judgment, relating to the same loss, based on irreconcilable positions. That [plaintiff] might be out $ 283,000 is a direct result of its deliberate litigation strategy-simultaneously pursuing factually inconsistent claims in two lawsuits and failing to act upon learning the "real" version of events-and not any action by the Court or the defendants. [Plaintiff's] effort to have it both ways, by obtaining one judgment based on [ACH Express'] failure to deliver shipments and then pursuing another judgment for the same loss under a theory that [ACH Express] never received the shipments, is the reason that judicial estoppel is even available as a defense in this case. Application of the doctrine is completely appropriate here, and the Court has no sympathy for [plaintiff's] cries of unfairness.

American , 168 F.Supp.3d at 1078-1082 (internal quotation marks and citations omitted). See Cardiac Pacemakers, Inc. v. St. Jude Med., Inc ., 149 F.Supp.2d 610, 613 (S.D. Ind. 2001) ("The doctrine of judicial estoppel instructs that having obtained a judgment in a case on some ground a litigant cannot turn around and in another case seek a judgment on an inconsistent ground.") (internal quotations and citation omitted).

Applying the foregoing analysis to the facts of the instant case, we now hold that for summary judgment purposes, judicial estoppel may be applied against a litigant to prevent the litigant from using deposition testimony of a nonparty that is not consistent with a position taken by the deponent in a previous case, or with a position taken earlier in the same case. Application of this principle should be rare and only when the integrity of the judicial process is clearly undermined.

In light of our holding, we believe that the doctrine of judicial estoppel should be applied to prevent the Respondent from using the deposition testimony of Mr. Cava. It is true the Respondent was not the party seeking the information the Rule 30(b)(7) witness could not provide, nor was it the party resisting Petitioners' motion to compel.21 However, the integrity of the judicial process would be undermined if we allowed Respondent to use Mr. Cava's deposition testimony in view of the unseemly conduct of Mr. Cava and his company earlier in the litigation. Dan's Car World resisted the motion to compel to obtain additional information, but later, when it was convenient, Mr. Cava decided to provide the information that his company said was not available and also had agreed to be bound by that assertion. The Respondent has failed to show that the information provided in Mr. Cava's deposition was not available when the motion to compel was resisted. The judicial process is *112designed for seeking the truth, not rewarding gamesmanship. The Respondent has articulated no legal or factual reason we should allow the Respondent to reap the benefits of the outrageous conduct of Mr. Cava and his company. Consequently, the record in this case compels us to conclude that the doctrine of judicial estoppel precludes Respondent from using Mr. Cava's deposition testimony to support the application of the doctrine of reasonable expectations. See Wilson v. Stanbury , 118 Md. App. 209, 217, 702 A.2d 436, 440 (1997) ("If we were to hold that the doctrine [of judicial estoppel] did not apply under these circumstances, it would be hard to imagine when it would be applicable.").

In sum, the Respondent failed to show that the relevant language of the insurance policy was ambiguous or that information extrinsic to the policy language made the policy ambiguous. Therefore, the doctrine of reasonable expectations could not be used to defeat the Petitioners' motion for summary judgment on the umbrella coverage issue.

IV.

CONCLUSION

In view of the foregoing we find that the circuit court erred as a matter of law in denying the Petitioners' motion for summary judgment on the umbrella coverage issue. We therefore grant the writ and order the circuit court to enter summary judgment for the Petitioners on that issue.

Writ granted.

JUSTICE WORKMAN dissents and reserves the right to file a dissenting opinion.

WORKMAN J., dissenting:

I dissent to the majority opinion based on the presenting issue as to whether the lower court erred in denying Universal's motion for summary judgment because a material issue of fact existed; and because the criteria for use of the extraordinary remedy of prohibition were not present. But my most stringent dissent is to the majority's sweeping expansion of our law on an issue that was neither raised nor briefed at the lower court or in this Court; that was completely unnecessary to resolve this case; and that which is highly likely to have unintended and unjust consequences in other future contexts.

Our existing law on judicial estoppel is correctly stated by the majority as follows:

Judicial estoppel bars a party from re-litigating an issue when: (1) the party assumed a position on the issue that is clearly inconsistent with a position taken in a previous case, or with a position taken earlier in the same case; (2) the positions were taken in proceedings involving the same adverse party; (3) the party taking the inconsistent positions received some benefit from his/her original position; and (4) the original position misled the adverse party so that allowing the estopped party to change his/her position would injuriously affect the adverse party and the integrity of the judicial process.

Syl. Pt. 2, W. Va. Dep't of Transp. v. Robertson, 217 W. Va. 497, 499, 618 S.E.2d 506, 508 (2005).

Instead of simply applying the existing law to achieve its goal of reversing the denial of summary judgment, the majority adventures into creating new law extending the doctrine of judicial estoppel to nonparties. Not only did the facts in this case not warrant such an extension, but the issue was neither briefed nor argued below or before this Court. At the time the circuit court denied summary judgment, both Dan Cava and Dan's Car World, LLC, were parties to this action, along with the Plaintiff below, Christina M. Varvel, administratrix of the estate of David Ralph Allen (hereinafter "Plaintiff"), and Universal Underwriters Insurance Company and Zurich American Insurance Company (hereinafter collectively referred to as "Zurich"). The circuit court did not dismiss Dan Cava and Dan's Car World from the case until after it entered the opinion letter denying summary judgment. As the majority opinion indicates, "[i]n an opinion letter dated May 29, 2018, the circuit court denied Petitioners' motion for summary judgment on the coverage issue." And in a footnote, the majority notes that "[i]n a separate opinion letter dated May 30, 2018, the circuit court granted the summary judgment of Mr. Cava and Dan's Car World on the tort claims *113brought by Respondent [the Plaintiff]." Critically, at the time Dan Cava's deposition was taken, he was a party to the litigation. Thus, based upon the majority's conclusion that inconsistent positions were taken in the case, the majority could have reached its desired result by applying our existing law concerning judicial estoppel.

Instead, the majority expands the law as follows in a new syllabus point:

For summary judgment purposes, judicial estoppel may be applied against a litigant to prevent the litigant from using deposition testimony of a nonparty that is not consistent with a position taken by the deponent in a previous case, or with a position taken earlier in the same case. Application of this principle should be rare and only when the integrity of the judicial process is clearly undermined.

Under this syllabus point, at summary judgment, a litigant with a viable fact witness who has indicated one position in written discovery responses in the case, but who has testified inconsistently during a deposition in a completely different proceeding that is determined to be "inconsistent" with the statement in the first proceeding, may be judicially estopped from using the witness. This essentially can result in sanctioning not the person who has made an inconsistent statement, but a litigant who may have nothing to do with the inconsistency. Rather, such an inconsistency on the part of a nonparty witness should more properly be the subject of impeachment on cross-examination, not a complete bar to its use. The majority appears to recognize the unnecessary overreach of the language in this syllabus point suggesting that its application should be "rare and when the integrity of the judicial process is undermined." But what is "rare" and what impacts "the integrity of the judicial process" is pauce guidance for such a sweeping new legal principle. No other limits are placed on this new point of law, leaving whether it applies to expert witnesses an open question.

Summary Judgment

I now focus on the presenting, and only real, issue in this appeal, i.e. whether the lower court erred in denying summary judgment, especially in light of the fact that reasonable expectations of coverage is inherently a fact-driven issue. See Keller v. First Nat'l Bank , 184 W. Va. 681, 685, 403 S.E.2d 424, 428 (1991) (stating that "[a]n action based on a reasonable expectation of insurance usually will raise substantial questions of fact."). This Court has consistently held that summary judgment should not be granted where a genuine issue as to a disputed material fact exists. See Syl. Pt. 3, Painter v. Peavy , 192 W. Va. 189, 451 S.E.2d 755 (1994) ("The circuit court's function at the summary judgment stage is not to weigh the evidence and determine the truth of the matter, but is to determine whether there is a genuine issue for trial.").

The majority holds in syllabus point two:

As a general rule, in order for the doctrine of reasonable expectations to be applicable to an insurance contract, there must be an ambiguity regarding the terms of that contract. However, an exception to this general rule occurs when reliable and relevant evidence, extrinsic to the insurance contract, casts a reasonable doubt as to whether coverage was provided by an otherwise unambiguous policy.

In this case, the Plaintiff claims that Dan's Car World was told by its Zurich insurance agent, Scott Beresford, that Salvatore was covered under the insurance issued to Dan's Car World. While Tiffany Moine, Dan's Car World's Rule 30(b)(7) deponent, testified that she did not know what Mr. Beresford specifically told Dan Cava, she also testified that she was made aware by Dan Cava of a conversation between himself and Zurich's agent on adding Salvatore to Dan's Car World's policy. And after that conversation, Mr. Cava was "under the assumption that" Salvatore had been added to the policy. Like Ms. Moine, Dan Cava testified that he had a conversation with Mr. Beresford in which he wanted to add Salvatore to Dan's Car World's policy as a named insured and Mr. Beresford advised him that his son was covered. The positions taken by Dan's Car World and Dan Cava are not inconsistent, as both Dan's Car World and Dan Cava testified regarding a conversation with Mr. Beresford about adding Salvatore as an insured under *114the Zurich policy issued to Dan's Car World. Conversely, Zurich's agent, Mr. Beresford, did not recall telling Dan Cava that his son was covered under the Dan's Car World policy. Clearly, a genuine issue of a disputed material fact existed, and the circuit court correctly denied summary judgment on that basis. See id .

Rule 30(b)(7) Notice

I also take issue with majority finding judicial estoppel in this case based on the "I don't know" answer of Dan's Car World's Rule 30(b)(7) deponent to Zurich's inquiry concerning whether Dan's Car World knew the specifics of the conversation Mr. Beresford had with Dan Cava, because the questions posed were not within the parameters of the items set forth for inquiry in the 30(b)(7) Motion. Rule 30(b)(7) of the West Virginia Rules of Civil Procedure provides, in pertinent part, that "[a] party may in a notice and in a subpoena name as the deponent a public or private corporation or a partnership or association or governmental agency and describe with reasonable particularity the matters on which examination is requested ." (Emphasis added). The Notice described the following matters on which examination was requested:

1. Dan's Car World's purchase of insurance coverage from either Universal Underwriters Insurance Company or Zurich American Insurance Company from 2011 to the present. ...
2. The insurance coverage purchased by Dan's Car World that it contends provides coverage to it with respect to Plaintiffs claims in this lawsuit. ...
3. The insurance coverage Dan's Car World contends provides coverage to Salvatore Cava with respect to the Plaintiffs claims in this lawsuit. ...

Zurich did not designate with reasonable certainty the specifics of any oral conversations or other oral communications between Dan's Car World and Zurich as even a potential area of inquiry. As a matter of fact, there was nothing in the notice that would place Dan's Car World on notice that it should have presented a witness with knowledge of such alleged oral communications.

This entire issue of the information sought by the Rule 30(b)(7) deponent could have been resolved by subpoenaing Dan Cava for deposition as a fact witness some three years prior to the circuit court denying Zurich's motion for summary judgment. But Zurich failed to do so even though the circuit court invited it to do so both in its denial of Zurich's motion to compel and again in the ruling denying Zurich's motion for summary judgment.

Prohibition Improper

Finally, I am troubled by the majority granting a writ of prohibition in this case by finding that the circuit court, in denying summary judgment, clearly erred as a matter of law on legal grounds that did not even exist at the time the circuit court rendered its decision . Similar to what occurred in State ex rel. State Auto Property Insurance Companies v. Stucky , 239 W. Va. 729, 806 S.E.2d 160 (2017) (Workman, J., dissenting), this Court is again presented with an insurance company seeking this Court's

intervention, requesting a writ of prohibition and arguing that the circuit court clearly erred in denying its motion for summary judgment. ... [A] writ of prohibition is an extraordinary remedy to be utilized in extremely limited instances. Despite this Court's consistent observation that the writ "does not lie for errors or grievances which may be redressed in the ordinary course of judicial proceedings[,]" the majority permits ... [the insurer] to employ an extraordinary writ as essentially a substitute for appeal in this case. County Court v. Boreman , 34 W. Va[.] 362, 366, 12 S. E. 490, 492 (1890). A writ of prohibition is inappropriate in this case, and courts should be exceedingly wary of overindulgence in extraordinary remedies and "should sparingly use a writ to review an order denying a motion for summary judgment and limit its use to cases where extraordinary and compelling reasons exist to warrant such relief." State ex rel. Speer v. Grimm , 599 S.W.2d 67, 69 (Mo. Ct. App. 1980).

239 W. Va. at 737, 806 S.E.2d at 168 (footnote omitted). The majority, while giving lip service *115to the factors necessary for this Court to grant a writ of prohibition, fails to offer any reasoning as to how Zurich meets those factors. See Syl. Pt. 4, State ex rel. Hoover v. Berger , 199 W. Va. 12, 483 S.E.2d 12 (1996). Succinctly stated, there is nothing "extraordinary" or "compelling" about this case. See State Auto Prop. Ins. Cos., 239 W. Va. at 737, 806 S.E.2d at 168. To the extent that Zurich finds fault with the circuit court's denial of summary judgment, Zurich clearly had other adequate means of seeking relief, first taking the deposition of Dan Cava (as the lower court urged them to do); or by the filing of an appeal. Indeed, any damage or harm that Zurich alleges it may suffer from in allowing this case to go trial is unquestionably correctable in a direct appeal. Most importantly, given the nature of a reasonable expectations of coverage claim, the circuit court's order denying summary judgment due to its determination that material issues of fact exist is simply not clearly erroneous as a matter of law. See Berger , 199 W. Va. at 14-15, 483 S.E.2d at 14-15, Syl. Pt. 4.

In my almost twenty-three years as an appellate court judge, one thing I have learned is that the development of new law by a judicial body is a lot better when, like a good stew, it is cooked slowly and thoroughly. The full processing of a new or novel legal issue by its being fully considered by a lower court, a lower court making a ruling, the parties then briefing and arguing the issue at the appellate level results in much sounder law and much fairer results than this Court embarking on creating new law and then granting prohibition because the lower court failed to follow the (as-yet) established law.

By way of analogy, the Supreme Court of the United States stated in Singleton v. Wulff , 428 U.S. 106, 96 S.Ct. 2868, 49 L.Ed.2d 826 (1976), that

[i]t is the general rule, of course, that a federal appellate court does not consider an issue not passed upon below. In Hormel v. Helvering , 312 U.S. 552, 556, 61 S.Ct. 719, 721, 83 [85] L.Ed. 1037 (1941), the Court explained that this is "essential in order that parties may have the opportunity to offer all the evidence they believe relevant to the issues ... (and) in order that litigants may not be surprised on appeal by final decision there of issues upon which they have had no opportunity to introduce evidence."

Singleton , 428 U.S. at 120, 96 S.Ct. 2868 ; see also Michael v. Appalachian Heating, LLC , 226 W. Va. 394, 409, 701 S.E.2d 116, 131 (2010) (McHugh, J., concurring, in part, and dissenting, in part) (stating that "[t]he question presented by the lower court was limited .... Not only did the majority go beyond what was necessary to resolve the question presented, but it failed to properly tailor the new point of law to the statutory language upon which it expressly relies as authority for a third party cause of action[,]" and further noting that "the majority adopted an overly-broad new point of law" and that the majority went "beyond what was necessary to resolve the question presented[.]").

For the foregoing reasons, I respectfully dissent.