Senior Judge Minora Addresses Permissible Scope of Pre-Complaint Discovery Addressed to an Insurance Company in a Bad Faith Claim

In the case of Minooka Pastry Inc. v. Erie Insurance, No. 2024-CV-4077 (C.P. Lacka. Co. Jan. 15, 2026), Judge Carmen D. Minora of the Lackawanna County Court of Common Pleas addressed pre-Complaint discovery issues in a bad faith and breach of contract action brought against an insurance carrier.

According to the Opinion, this matter arose out of a claim presented by the Minooka Bakery to Erie Insurance for water damage sustained the interior of the property during a windstorm. After Erie denied the claim, the Minooka Bakery was seeking to commence a multi-count lawsuit against Erie, including causes of action for bad faith, breach of contract, and violation of Pennsylvania’s Unfair Trade Practices and Consumer Protection Law.

To assist it in the preparation of a Complaint, the Minooka Bakery served upon Erie Insurance written discovery requests. In response, Erie objected to the same but otherwise independently provided some materials along with a privilege log.

This matter came before the court on the Plaintiff’s Motion to Compel Pre-Complaint Discovery under Pa. R.C.P. 4003.8. The Plaintiff asserted that it was still in need of additional information and documentation despite the materials produced by Erie Insurance. The carrier asserted that the materials it turned over were sufficient.

In the end, the court granted in part and denied in part the Motion to Compel.

In so ruling, the court noted that, because the Plaintiff intends to assert a bad faith claim against its carrier, an expansion of the scope of pre-Complaint discovery was warranted given that that particular cause of action requires the Plaintiff to present clear and convincing evidence that the carrier did not have a reasonable basis for denying benefits under the policy and that the carrier knew, or recklessly disregarded, its alleged lack of a reasonable basis in denying the claim.

Senior Judge Carmen D. Minora
Lackawanna County 

Judge Minora noted that the second prong of this test requires a demonstration of a heightened level of intent on the part of the carrier, thereby making inquiry into certain areas, “such as past practices and reserve information,” more likely accessible for purposes of pre-Complaint discovery.

Keeping in mind that the burden upon the Plaintiff to assert a bad faith claim sufficient to defeat any Preliminary Objections for lack of specificity, and also considering the discovery sought “will not cause unreasonable annoyance, embarrassment, oppression, burden or 

expense” under Pa. R.C.P. 4003.8(a), the court overruled the carrier’s objections, except those objections asserted with respect to privilege material. In this regard, the court reviewed the carrier’s privilege log and agreed with the carrier’s position with respect to those objections.

The court more specifically noted that, in making this ruling, it was specifically determined that “guidebooks, training manuals, non-privilege communications, reserve information, comparative claim data and regulatory filings” were within the permissible scope of pre-Complaint discovery in this matter. The court did impose a time limitation of not to exceed three (3) years prior to the date of loss relative to the scope of the information required to be produced.

Anyone wishing to review a copy of this decision may click this LINK.


I send thanks to Attorney Paul Walker of Walker Law in Clarks Summit, Pennsylvania for bringing this case to my attention.