Garcia v. Farmers Insurance Exchange

MEMORANDUM OPINION AND ORDER

BUCKLO, District Judge.

This is a case about an entity with an identity problem. Gerald Garcia, a citizen of Illinois, applied for home fire insurance with Mid-Century Insurance Company on November 1996, and was subsequently issued a policy under the name of Farmers Insurance Exchange (the “Exchange”), a firm with a Los Angeles, California, address. (The Exchange owns 80% of Mid-Century Insurance Company.) Mr. Garcia’s house burned down in July 1997, but when Mr. Garcia submitted a claim, it was denied. In November 1998, an insurer called Illinois Farmers Insurance…