Tiller v. USAA General Indemnity Co.
CourtSuperior Court of Delaware
Date FiledSeptember 17, 2026
DocketN25C-11-054 SPL
StatusPublished
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Full Opinion
IN THE SUPERIOR COURT OF THE STATE OF DELAWARE
SHEILA TILLER, )
)
Plaintiff, )
)
v. ) C.A. No. N25C-11-054 SPL
)
USAA GENERAL INDEMNITY CO., )
CITY OF WILMINGTON AND )
WILMINGTON POLICE )
DEPARTMENT )
)
Defendants. )
Submitted: July 20, 2026
Decided: September 17, 2026
Upon Defendants’ City of Wilmington and Wilmington Police Department’s
Motion to Dismiss,
GRANTED.
ORDER
This 17th day of September 2026, upon consideration of Defendants,’ City of
Wilmington (“City”) and Wilmington Police Department’s (“WPD”), Motion to
Dismiss,1 Shiela Tiller’s (“Tiller”) response,2 the parties’ oral arguments, and the
record in this case, it appears to the Court that:
1
D.I. 19 (“Def. Mot. Dism.”).
2
D.I. 20 (“Pl. Resp.”).
1
BACKGROUND
1. On the afternoon of November 30, 2024, an unidentified motorist ran a
red light and collided with Tiller at the intersection of North Market Street and East
11th Street in the City of Wilmington.3 Tiller contends the unidentified driver was
“in a stolen vehicle fleeing from a vehicle pursuit initiated by an unknown employee
of the Defendants, City of Wilmington and Wilmington Police Department.”4 The
unknown motorist then fled the scene of the collision.5 Tiller alleges she “suffered
physical injury, mental anguish and incurred special damages.”6
2. On November 7, 2025, about three weeks prior to the one-year
anniversary of the collision, Tiller filed a Complaint in this Court against her
insurance company, USAA General Indemnity Company (“USAA”), for a breach of
an insurance policy.7 On March 13, 2026, over three months after the one-year
anniversary of the collision, Tiller amended her complaint to include a claim of
negligence against the City and the WPD for “improper hiring and inadequate
training of its employees on vehicle pursuits; and failure in providing proper
3
D.I. 13 (“Amend. Compl.”) ¶ 5; Pl. Resp., Ex. A at 1-2, 4. The Court, as it must,
construes the record in the light most favorable to Tiller.
4
Amend. Compl. ¶ 5.
5
Amend. Compl. ¶ 5; Pl. Resp., Ex. A at 2.
6
Amend. Compl. ¶ 9.
7
D.I. 1.
2
supervision, instruction, oversight, and monitoring necessary for its employees to
perform their work duties in a safe and competent manner.”8
3. The City and WPD jointly filed a Motion to Dismiss.9 Tiller opposed
the motion as to the City and acquiesced in the dismissal of the WPD.10 USAA has
taken no position on the motion.11 For the reasons set forth below, the City’s and
WPD’s motion to dismiss is GRANTED.
LEGAL STANDARD
4. The City seeks dismissal under Superior Court Civil Rule 12(b)(6);
however, the motion incorporates and is supported by an affidavit of a City
employee. Where “matters outside the pleadings are presented to and not excluded
by the Court, the motion shall be treated as one for summary judgment and disposed
of as provided in Rule 56, and all parties shall be given reasonable opportunity to
present all materials made pertinent to such motion by Rule 56.”12 In her opposition,
8
Amend. Compl. ¶¶ 6-7.
9
Def. Mot. Dism.
10
Pl. Resp. at 3. “Given the City’s representation that the WPD is an improper entity,
and that the City is the only proper entity, the Plaintiff has no opposition to
dismissing the WPD.” Id.
11
D.I. 21.
12
Super. Ct. Civ. R. 12(b).
3
Tiller acknowledges this pleading standard and incorporates exhibits in support of
her position.13
5. Under Superior Court Civil Rule 56, the Court will grant summary
judgment where “the pleadings, depositions, answers to interrogatories, and
admissions on file, together with the affidavits, if any, show that there is no genuine
issue as to any material fact that the moving party is entitled to a judgment as a
matter of law.”14 On a motion for summary judgment, the Court “(i) construes the
record in the light most favorable to the non-moving party; (ii) detects, but does not
decide, genuine issues of material fact; (iii) denies the motion if a material fact is in
dispute.”15 The moving party bears the initial burden of demonstrating that the
undisputed facts support claims or defenses.16 If the motion is properly supported,
then the burden shifts to the non-moving party to demonstrate that there are material
issues of fact for the resolution of the ultimate fact-finder.17
13
Pl. Resp. ¶ 7, Exs. A, B.
14
Super. Ct. Civ. R. 56(c).
15
US Dominion, Inc. v. Fox News Network, LLC, 2023 WL 2730567, at *17 (Del.
Super. Ct. Mar. 31, 2023) (quoting CVR Refin., LP v. XL Specialty Ins. Co., 2021 WL
5492671, at *8 (Del. Super. Ct. Nov. 23, 2021) (cleaned up)).
16
Moore v. Sizemore, 405 A.2d 679, 680 (Del. 1970) (citing Ebersole v. Lowengrub,
180 A.2d 467 (Del. Super. Ct. 1962)).
17
See Brzoska v. Olsen, 668 A.2d 1355, 1364 (Del. 1995).
4
ANALYSIS
6. The City contends that the Court should grant summary judgment
because Tiller failed to “provide notice of her injuries to the City of Wilmington by
November 30, 2025, within one year of the accident” as required by 10 Del. C. §
8124.18 Tiller responds that the City received “actual notice” of her injury within
one year of the accident and that the City is not prejudiced by Tiller’s failure to
provide written notice.19
7. “Notice of Claim ordinances advance a particular purpose—to protect
governmental bodies, and public funds, from claims which might be unknowable by
reason of the broad range of governmental activities which impact the lives of the
citizens.”20 Under 10 Del. C. § 8124:
No action, suit or proceeding shall be brought or maintained against the
Mayor and Council of Wilmington for damages on account of physical
injuries, death or injury to property by reason of the negligence of the
Mayor and Council of Wilmington or any of its departments, officers,
agents or employees thereof, unless the person by or on behalf of whom
such claim or demand is asserted shall, within 1 year from the
happening of such injury, notify the Mayor in writing of the time, place,
cause and character of the injuries sustained.21
18
Def. Mot. Dism. at 3.
19
Pl. Resp. at 4-6.
20
Hines v. New Castle County, 640 A.3d 1026, 1029 (Del. 1994).
21
10 Del. C. § 8124.
5
“[W]here the [governmental entity] had actual notice of the incident and was not
prejudiced by the failure to receive formal written notice of the potential tort claim,
there has been ‘substantial compliance’ with the notice ordinance and plaintiff’s
otherwise valid claim is not barred.”22
8. Tiller contends the “police report, written and approved by the
Defendants, describes the time, place, cause, and character of the injuries sustained
. . . and conceals the fact that the accident occurred during a vehicle pursuit initiated
and continued by the Defendants.”23
9. In Hines v. New Castle County, the Delaware Supreme Court,
interpreting a notice of claim ordinance similar to the statute involved here, 24 held
“that in the absence of a showing of prejudice, actual notice on the part of the
22
Hines, 640 A.2d at 1027.
23
Pl. Resp. at ¶¶ 4-5 citing Ex. A (Wilmington Police Department Driver Information
Exchange Report and State of Delaware Uniform Collision Report).
24
In Hines, the Court assessed the requirements of § 1-11 of the New Castle County
Code which reads:
No action, suit or proceeding shall be brought or maintained against
New Castle County, the County Executive or the County Council of
New Castle County for damages on account of physical injuries, death
or injury to property by reason of the negligence of New Castle County
or any of its departments, officers, agents or employees thereof unless
the person by or on behalf of whom such claim or demand is asserted
shall, within one (1) year from the happening of such inquiry, notify the
county attorney in writing of the time, place, cause and character of the
injuries sustained.
Hines, 640 A.2d at 1028.
6
[government entity] or its responsible officials of sufficient facts to place the
governing body of the [government entity] on notice of a possible claim constitutes
substantial compliance with the notice ordinance here under review.”25 The Court
found the County was not entitled to summary judgment where:
Viewing the facts in the light most favorable to the plaintiff, the record
indicates that knowledge of the alleged deficiency in response to
[plaintiff’s] illness quickly reached the highest level of County
government and the incident was fully investigated. Furthermore, the
County was obviously concerned about a potential lawsuit to the point
of notification to its insurance carrier of the incident to ensure
coverage.26
New Castle County had knowledge of the plaintiff’s alleged injury and fully
investigated on its own initiative.27 “Such notice imparted within three months of
the incident constitutes substantial and sufficient compliance with the notice
ordinance as a matter of law.”28
10. Here, there is no evidence Tiller provided notice to the Mayor as
required under 10 Del. C. § 8124.29 And, the facts, under any conceivable
interpretation, do not support a finding of “actual notice” to the City of “the time,
25
Id. at 1030.
26
Id.
27
Id.
28
Id.
29
Def. Mot. Dism., Ex. 1.
7
place, cause, and character of the injuries sustained.”30 The collision report offered
by Tiller explains that the unidentified driver “disregarded a red light causing [the
vehicle] to strike [Tiller’s vehicle] which was traveling east bound through the
intersection. [The driver] fled the area northbound on N. Market St. out of sight.”31
Tiller presents no evidence that the City knew of Tiller’s collision and its—the
City’s—alleged role in the event. And there is no evidence of a police pursuit or
“concealment” of facts in the investigation;32 rather, Tiller merely posits
concealment. While the Court must construe the record in the light most favorable
to Tiller, it will not accept Tiller’s invitation to engage in factually unsupported
speculation or conjecture. The Court cannot find the City was on actual notice of its
potential liability in Tiller’s collision.
11. Because there is no genuine issue of material fact as to Tiller’s failure
to provide the City with notice as required by 10 Del. C. § 8124, the City’s Motion
to Dismiss is GRANTED.
IT IS SO ORDERED.
Sean P. Lugg, Judge
30
10 Del. C. § 8124.
31
Pl. Resp. Ex. A at 4.
32
See Pl. Resp. ¶ 4.
8