Shannon Holmes v. Lee McMillan ( 2008 )


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  •                     IN THE SUPREME COURT OF MISSISSIPPI
    NO. 2008-IA-01191-SCT
    SHANNON HOLMES AND STATE FARM
    MUTUAL AUTOMOBILE INSURANCE
    v.
    LEE McMILLAN
    DATE OF JUDGMENT:                          06/20/2008
    TRIAL JUDGE:                               HON. HOUSTON JAMES PATTON
    COURT FROM WHICH APPEALED:                 HINDS COUNTY COUNTY COURT
    ATTORNEYS FOR APPELLANT:                   HENDERSON JONES
    PHILIP W. GAINES
    JEREMY T. HUTTO
    ATTORNEYS FOR APPELLEE:                    GREGORY K. DAVIS
    TYLVESTER OTIS GOSS
    NATURE OF THE CASE:                        CIVIL - PERSONAL INJURY
    DISPOSITION:                               REVERSED AND REMANDED - 11/19/2009
    MOTION FOR REHEARING FILED:
    MANDATE ISSUED:
    EN BANC.
    DICKINSON, JUSTICE, FOR THE COURT:
    ¶1.    This case arises out of a traffic accident between a resident of Rankin County,
    Mississippi, and a resident of Hinds County, Mississippi. The parties dispute whether the
    accident occurred in Rankin County or in Hinds County. The plaintiff sued the defendants
    in Hinds County, and the defendants filed a motion to transfer venue to Rankin County. The
    trial court found that venue was proper in Hinds County, and the defendants filed this
    interlocutory appeal. Finding the trial court to be in error, we reverse.
    FACTS
    ¶2.    On July 8, 2006, at approximately 10:18 p.m., Shannon Holmes was involved in a
    motor vehicle accident with Lee McMillan in the roundabout intersection of International
    Drive and Old Brandon Road, at the entrance to the Jackson-Evers International Airport.
    Officer Patrick Minor of the Jackson Police Department arrived at the scene within minutes
    of the accident to investigate. Officer Minor noted in his Uniform Crash Report that the
    accident had occurred in the City of Jackson and stated in the “Collision Narrative” that:
    [Holmes] was driving west on Old Brandon Road and said the brakes on her
    car would [sic] stop her vehicle and that is what caused the accident.
    [McMillan] was traveling east on Old Brandon Road headed to the Jackson-
    Evers International Airport. He entered into the round-a-bout and was hit by
    [Holmes].
    ¶3.    Officer Minor further noted that Holmes had a valid driver’s license, but that she had
    no proof of insurance. He indicated that McMillan had a valid driver’s license and an
    insurance policy with State Farm Mutual Automobile Insurance Company. At the time of
    the accident, Holmes resided in Rankin County, Mississippi, and McMillan resided in Hinds
    County, Mississippi.
    ¶4.    McMillan claims to have been injured in the accident resulting in medical expenses
    in excess of $60,000. After the accident, McMillan filed a claim for uninsured motorist
    benefits with State Farm.     State Farm refused to pay McMillan an amount that was
    satisfactory to him, but sent him a letter along with a check for $3,000.
    2
    ¶5.    McMillan filed a complaint in the County Court of Hinds County against State Farm,
    alleging breach of contract with McMillan by failure to honor his insurance policies1 and
    Holmes against alleging negligent conduct on the night of the accident. Both State Farm and
    Holmes (hereinafter, jointly referred to as “the Defendants”) timely filed their answers. State
    Farm also filed a motion to dismiss or transfer venue, and Holmes filed a motion to transfer
    venue. McMillan responded to these motions, and both Defendants filed rebuttals to
    McMillan’s response.
    ¶6.    The trial court held a hearing regarding the motions to transfer venue, denied both
    motions, and entered an order to that effect. In finding that venue was proper in Hinds
    County, the trial court stated at the conclusion of the hearing:
    According to the evidence presented here this morning, the accident
    occurred on International Drive and Old Brandon Road, which is physically
    located in Rankin County. However, the City of Jackson has jurisdiction over
    that matter in that it is leading to the airport and it is part of the airport
    property. So that falls within the jurisdiction of the City of Jackson.
    Also from the evidence presented this morning, the accident was
    investigated by the Jackson Police Department and not by Rankin County or
    any other official, which shows that the venue should be proper in Hinds
    County.
    For the foregoing reasons, we will allow venue to remain in Hinds
    County where the original suit was filed.
    ¶7.    The Defendants timely filed a joint petition for interlocutory appeal. McMillan filed
    an answer in opposition to the Defendants’ joint petition for interlocutory appeal, and a panel
    on this Court granted the Defendants’ joint petition. The Defendants raise one issue on
    1
    McMillan asserted that he had three separate insurance policies with State Farm, all of
    which provided for uninsured motorist coverage.
    3
    appeal: whether venue is proper in Rankin County pursuant to Mississippi Code Annotated
    Section 11-11-3, notwithstanding Mississippi Code Annotated Section 61-9-3(3).
    ANALYSIS
    ¶8.     “Of right, the plaintiff selects among the permissible venues, and his choice must be
    sustained unless in the end there is no credible evidence supporting the factual basis for the
    claim of venue.” Hedgepeth v. Johnson, 
    975 So. 2d 235
    , 238 (Miss. 2008) (quoting Flight
    Line, Inc. v. Tanksley, 
    608 So. 2d 1149
    , 1155 (Miss. 1992)). This Court reviews trial court
    decisions regarding venue for an abuse of discretion. See, e.g., 
    id. at 237. We
    will not
    disturb a trial court’s ruling regarding venue “unless it clearly appears that there has been an
    abuse of discretion or that the discretion has not been justly and properly exercised under the
    circumstances of the case.” 
    Id. (quoting Hayes v.
    Entergy Miss., Inc., 
    871 So. 2d 743
    , 746
    (Miss. 2004)). But if the interpretation of a venue statute is at issue, this Court will review
    the trial court’s decision de novo. 
    Id. (citing Champluvier v.
    State, 
    942 So. 2d 145
    , 150
    (Miss. 2006)).
    I.     Mississippi Code Section 61-9-3
    ¶9.    McMillan argues that Mississippi Code Section 61-9-3(3), which regulates
    “ordinance[s] to incorporate properties constituting an airport or air navigational facility into
    the corporate boundaries of a municipality,” places venue in Hinds County. The relevant
    portion of the statute reads as follows:
    Subject only to the provisions hereof, and irrespective of the geographic
    location of the airport or air navigational facility in a county or judicial district
    other than the county or judicial district within which the principal office of
    the municipality is located, any such ordinance shall become effective upon
    the effective date fixed therein. On and after such effective date and on or after
    4
    March 10, 1976 all laws, municipal ordinances, and local options effective in
    the municipality as a result of municipal, judicial district and county options
    exercised in the municipality, judicial district or the county within which the
    principal office of the municipality is located, and all other laws, orders, codes
    and resolutions of and applicable to the municipality availing or having
    availed itself of the provisions hereof as well as those of the board of
    supervisors of the county in which the principal office of the municipality is
    located, shall be applicable to such airport or air navigational facility;
    provided, however, that no permit for the sale of any alcoholic beverage as
    defined in section 67-1-5, Mississippi Code of 1972, except an on-premises
    retailer's permit as authorized by section 67-1-51(c), shall be issued for use at
    such airport or air navigational facility. Venue for the trial of all offenses
    against such laws and ordinances shall be in the county in which the principal
    office of the municipality is located.
    Miss. Code Ann. § 61-9-3(3) (Rev. 2004) (emphasis added). The plain language of Section
    61-9-3(3) indicates that the venue requirement of this section applies for trials of violations
    of laws, ordinances, and local options which result from actions by municipal officials and
    any laws which are “of and applicable to the municipality” which incorporated an airport or
    air navigational facility.
    ¶10.   McMillan argues only that Holmes violated Mississippi Code Sections 63-15-43 and
    63-3-801, and that State Farm violated Mississippi Code Section 83-11-101.                  These
    allegations do not meet the requirements of Mississippi Code Section 61-9-3(3), as stated
    above, because the alleged violations are not against laws resulting from action by the
    municipal officials of Jackson, nor are they laws which are “of and applicable to” the City
    of Jackson. The Mississippi statutes are “of” the Mississippi State Legislature and result
    from state action, not actions by the municipality of Jackson. Therefore, Mississippi Code
    Section 61-9-3(3) is inapplicable in the present matter and need not here be interpreted
    further.
    5
    II.     Mississippi Code Section 11-11-3(1)(a)(i)
    ¶11.   That being said, pursuant to Section 11-11-3(1)(a)(i), venue is proper in Rankin
    County. Mississippi Code Section § 11-11-3(1)(a)(I), Mississippi’s venue statute, reads as
    follows:
    Civil actions of which the circuit court has original jurisdiction 2 shall be
    commenced in the county where the defendant resides, OR, if a corporation,
    in the county of its principal place of business, OR in the county where a
    substantial alleged act or omission occurred OR where a substantial event that
    caused the injury occurred.
    Miss. Code Ann. § 11-11-3(1)(a)(I) (Rev. 2004) (emphasis added pursuant to Hedgepeth v.
    Johnson, 
    975 So. 2d 235
    , 238 (Miss. 2008)).
    ¶12.   Pursuant to Section 11-11-3(1)(a)(I), this Court holds that the plaintiff cannot establish
    venue in Hinds County pursuant to any basis provided for in the statute for the following
    reasons: (1) Holmes, the resident defendant, resided in Rankin County at the time of the
    accident; (2) corporate defendant State Farm’s principal place of business is in Bloomington,
    Illinois, i.e., outside of Mississippi; (3) under the facts of this case, the communications
    received in Hinds County by McMillan between himself and State Farm are not sufficient
    to show that a “substantial alleged act or omission occurred” in Hinds County, pursuant to
    2
    Section 11-11-3(1)(a)(I) governs “[c]ivil actions of which the circuit court has original
    jurisdiction.” Miss. Code Ann. § 11-11-3(1)(a)(I) (Rev. 2004) (emphasis added). Although this case
    was initiated in county court in Hinds County, county courts “have jurisdiction concurrent with the
    circuit and chancery courts in all matters of law and equity wherein the amount of value of the thing
    in controversy shall not exceed, exclusively of costs and interests, the sum of Two Hundred
    Thousand Dollars ($200,000.00).” Miss. Code Ann. § 9-9-21 (Rev. 2002). Though McMillan’s
    complaint does not specify a damages amount, he states in his answer to the Defendants’ joint
    petition for interlocutory appeal that he incurred medical expenses in excess of $60,000.
    Therefore, this Court applies Section 11-11-3(1)(a)(I).
    6
    this Court’s precedents in Myers3 and Hedgepeth, and (4) the accident -- which certainly
    occurred in Rankin County-- is “a substantial event that caused the injury.”
    ¶13.   Here, there is no dispute that Holmes was a Rankin County resident. Furthermore,
    there is no dispute that the location where the accident occurred, giving rise to this suit, is
    physically in Rankin County. Even the trial judge acknowledge such by concluding: “The
    accident occurred on International Drive and Old Brandon Road, which is physically located
    in Rankin County.” (Emphasis added.) The venue statute says nothing about who happens
    to own the property where an automobile accident occurs; nor does it concern itself with
    whose police officers respond to the accident scene. Therefore, venue for the action against
    Holmes is not proper in Hinds County, but rather in Rankin County.
    ¶14.   McMillan also sued his uninsured motorist insurance carrier, State Farm, for breach
    of contract, claiming it breached the contract of insurance by its failure to pay the claim.
    According to McMillan’s complaint, “State Farm Mutual Automobile Insurance Company
    is a non-resident corporation, created organized and existing [sic] under the laws of the
    Statue of Illinois and has its principal place of business located at One State Farm Plaza,
    Bloomington, IL 61710.”
    ¶15.   Because State Farm’s principal place of business is outside the state of Mississippi,
    the venue issue on this claim is controlled by Myers, 
    956 So. 2d 213
    (Miss 2007), and
    Hedgepeth, 
    975 So. 2d 235
    (Miss. 2008). Myers involved a lawsuit filed by an insured
    doctor against his insurance company for failure to renew his malpractice insurance policy.
    3
    Medical Assurance Co. of Miss. v. Myers, 
    956 So. 2d 213
    (Miss 2007).
    7
    In interpreting the statutory language, “in the county where a substantial alleged act or
    omission occurred or where a substantial event that caused the injury occurred,4 ” we held
    that – for venue purposes – the relevant actions of the insurance company were those
    associated with the company’s decision not to renew the policy. 
    Myers, 956 So. 2d at 218-
    19. We further held that other acts, such as the application for the policy, the receipt of mail,
    and the payment of premiums, were “insufficient . . . for establishing venue.” 
    Id. ¶16. According to
    Myers, “even if an act or omission did not cause the injury, it can
    nevertheless establish venue if it is both substantial and alleged by the plaintiff.” 
    Id. (emphasis added). However,“the
    venue statute does not allow the piling of acts or events to
    establish venue. It specifically requires a substantial alleged act, omission, or injury-causing
    event to have happened in a particular jurisdiction in order for venue to be proper there.” Id.5
    ¶17.   In Hedgepeth, this Court distinguished the facts in Myers, but affirmed that in Myers,
    the “substantial alleged act or omission” was the failure to renew the insurance policy at
    issue. 
    Hedgepeth, 975 So. 2d at 239-240
    . In Hedgepeth, however, insurance adjusters
    personally visited the plaintiffs at their home and denied their claims which resulted from
    Hurricane Katrina. 
    Id. Furthermore, the Hedgepeth’s
    insurance agent – the defendant in that
    4
    Miss. Code Ann. § 11-11-3(1)(a)(I) (Rev. 2004) (emphasis added).
    5
    The Myers Court specifically held: “Completing an application in, and making payments
    from, Holmes County cannot be considered substantial acts or injury-causing events in this case.”
    
    Id. at 219. Myers
    makes clear that where the injury-causing event that forms the basis of the suit
    is an act or omission by a party, venue may lie in the county in which that party’s act or omission
    took place, not the county in which the plaintiff acted. 
    Id. The injury-causing event
    which gives
    rise to the suit against State Farm in the present matter is the denial of coverage. All substantial
    events related to that denial occurred in Birmingham, Alabama - - the location of State Farm’s office
    at which the decision was made to deny the claim.
    8
    matter - - came to their home and encouraged the plaintiffs to commit insurance fraud,
    leading to the plaintiff’s emotional distress. The Hedgepeths filed suit in the Circuit Court
    of Jackson County, which was the county in which their home was located. We held that
    “substantial alleged acts” and “a substantial event that caused injury” occurred in Jackson
    County, and therefore, Jackson County was a proper venue in that matter.
    ¶18.   With respect to McMillan’s breach-of-contract claim against State Farm, the relevant
    acts to be examined are those associated with the denial of the claim. The record clearly
    establishes that the decision to reject the plaintiff’s settlement demand was made in Alabama,
    and was communicated by letter which bore an Alabama return address – not in person at
    McMillan’s residence. Nothing in the record – and nothing provided by McMillan –
    suggests that the rejection of the settlement demand was connected to Hinds County. Thus,
    in accord with our precedent, Hinds County is not an appropriate venue for McMillan’s
    breach-of- contract claim.
    ¶19.   In his dissent, Justice Kitchens relies on Snyder v. Logan, 
    905 So. 2d 531
    (Miss.
    2005). However, Snyder simply states in dictum that “[t]he trial court was correct in holding
    that venue was proper in Adams County . . . ,” and neither the trial court nor this Court held
    the reason to be because Snyder had purchased her auto insurance there. Indeed, venue was
    proper in Adams County because that is where one of the defendants (Logan Insurance
    Agency) was located. See 
    id. at 533 (“Because
    there is a resident defendant (Logan
    Insurance Agency) in the case . . . .”). Furthermore, Adams County is where the plaintiff
    alleged that fraudulent and negligent misrepresentations took place which formed the basis
    for the fraud claim in the lawsuit. 
    Id. at 532. Finally,
    and perhaps more importantly, the
    9
    only issue before this Court in Snyder was whether venue was proper in Jefferson County,
    the county where the automobile accident had occurred. 
    Id. at 534. We,
    of course, held that
    it was.
    ¶20.      Because venue of this civil action clearly is not in Hinds County, venue in this case
    is proper in Rankin County, pursuant to Section 11-11-3(1)(a)(i). Thus, we find that the trial
    court erred in concluding that venue was proper in Hinds County.
    CONCLUSION
    ¶21.      We hold that venue in this action is not proper in Hinds County, but rather is proper
    in Rankin County. Therefore, the trial court’s order denying the motions to transfer venue
    filed by State Farm and Holmes is reversed and this matter is remanded for transfer of venue
    pursuant to this opinion.
    ¶22.      REVERSED AND REMANDED.
    WALLER, C.J., CARLSON, P.J., RANDOLPH, LAMAR, CHANDLER AND
    PIERCE, JJ., CONCUR. GRAVES, P.J., DISSENTS WITH SEPARATE WRITTEN
    OPINION. KITCHENS, J., DISSENTS WITH SEPARATE WRITTEN OPINION.
    GRAVES, PRESIDING JUSTICE, DISSENTING:
    ¶23.      I disagree with the majority’s findings that the car accident occurred in Rankin County
    and that venue is proper only in Rankin County. As the majority notes, pursuant to
    Mississippi Code Section 11-11-3(1)(a)(i),6 venue is proper in the county where “a
    6
    Mississippi Code Section 11-11-3(1)(a)(i) states in full:
    Civil actions of which the circuit court has original jurisdiction shall be commenced
    in the county where the defendant resides, or, if a corporation, in the county of its
    principal place of business, or in the county where a substantial alleged act or
    omission occurred or where a substantial event that caused the injury occurred.
    10
    substantial event that caused the injury occurred,” and in the instant case, the substantial
    event that caused the injury is the car accident that occurred in the roundabout at the
    intersection of International Drive and Old Brandon Road. The defendants do not dispute
    that the roundabout is part of the Jackson-Evers International Airport. By operation of law,
    the airport is located in the City of Jackson, which is in Hinds County. Therefore, as the trial
    court held, venue is proper in Hinds County. Accordingly, I must dissent and would affirm
    the trial court’s order denying the defendants’ motions to transfer venue to Rankin County.
    ¶24.   By operation of law, the airport property is located in the City of Jackson, which is
    in Hinds County. As noted in the majority opinion and in the paragraph above, the accident
    occurred in the roundabout at the intersection of International Drive and Old Brandon Road.
    The defendants do not dispute that the roundabout is part of the Jackson-Evers International
    Airport. The Jackson-Evers International Airport is, for all intents and purposes, located in
    the City of Jackson, which is in Hinds County. This is so because the City of Jackson
    adopted an ordinance in 1964 that incorporated into the City of Jackson all of the territory
    comprising the airport. Jackson Mun. Airport Auth. v. Shivers, 
    206 So. 2d 190
    , 191 (Miss.
    1968) (“[T]he City of Jackson adopted an ordinance, effective July 1, 1964, incorporating
    into the city all of the territory comprising the Jackson Municipal Airport [i.e., the Jackson-
    Evers International Airport] in Rankin County. . . . [The Airport] is owned exclusively by the
    City of Jackson . . . . ”). See also Jackson Mun. Airport Auth. v. State, 
    196 So. 2d 884
    , 884-
    85 (Miss. 1967) (“The [Jackson Municipal] Airport Authority is a public corporate body and
    an agency of the City of Jackson. . . . The Airport Authority purchased land in Rankin
    Miss. Code. Ann. § 11-11-3(1)(a)(i) (Rev. 2004).
    11
    County and constructed an airport on it.”). Cf. Jackson, Miss., Code of Ordinances §§ 1-2
    (1971) (stating in the Rules of Construction and Definitions section under General Provisions
    that “[t]he words ‘the county’ or ‘this county’ shall mean and refer to Hinds County,
    Mississippi, and, where applicable, to that part of the city known as the Allan Thompson
    Airport [i.e., the Jackson-Evers International Airport] which lies in Rankin County”); 
    Id. at § 126-3
    (stating in the Definitions section of the Vehicles for Hire Ordinance that “City
    means and includes all the area within the corporate limits of the City of Jackson, including
    the Jackson International Airport [i.e., the Jackson-Evers International Airport] and public
    facilities outside the corporate limits owned and operated by the city”). No qualified electors
    or other residents of Rankin County reside on any of the property constituting the airport, and
    all the laws and ordinances of and applicable to the City of Jackson apply to the airport
    territory. 
    Shivers, 206 So. 2d at 191
    ; Jackson Mun. Airport Auth. v. 
    State, 196 So. 2d at 885-86
    . Thus, the roundabout where the car accident occurred is located in the City of
    Jackson, and venue is proper in Hinds County.
    ¶25.   The fact that a police officer from the Jackson Police Department was dispatched to
    the scene of the accident is evidence that the airport roundabout is located in the City of
    Jackson. As is customary when an accident occurs at the Jackson-Evers International
    Airport, a police officer from the Jackson Police Department, not from the Rankin County
    Sheriff’s Department, was dispatched to investigate. The police officer arrived at the scene
    seven minutes after the accident occurred. The officer stated in the Uniform Crash Report
    that the accident occurred at the intersection of Old Brandon Road and International Drive
    in the City of Jackson. As the trial court correctly stated, “the accident was investigated by
    12
    the Jackson Police Department and not by Rankin County or any other official, which shows
    that the venue should be proper in Hinds County.” (Emphasis added.)
    ¶26.   Moreover, although the defendants assert to this Court that the accident occurred in
    Rankin County, Holmes acknowledged at the trial court hearing that the airport roundabout
    is located in the City of Jackson. Furthermore, Holmes conceded that the traffic citation she
    received for driving without insurance was properly adjudicated in the Municipal Court of
    the City of Jackson; in other words, she already once submitted to venue in Hinds County
    regarding a wrongful act she committed at the airport roundabout.
    ¶27.   Lastly, I am compelled to reiterate my disagreement with this Court’s recent rulings
    regarding venue, as previously expressed in my special concurrence in American Family
    Life Insurance of Columbus v. Ellison, 
    4 So. 3d 1049
    , 1052-53 (Miss. 2009) (Graves, P.J.,
    specially concurring). In Ellison, I expressed my disagreement with this Court’s legal
    analyses and holdings in both Baptist Memorial Hospital-DeSoto, Inc. v. Bailey, 
    919 So. 2d 1
    (Miss. 2005), and Medical Assurance Company v. Myers, 
    956 So. 2d 213
    (Miss. 2007).
    
    Ellison, 4 So. 3d at 1052
    . Below, I briefly summarize the analyses and holdings of Bailey
    and Myers, as well those of Ellison, for the sole purpose of illustrating that the instant
    majority opinion is not the first, but rather one of many opinions in which this Court relies
    on illegitimate reasons to support unjustified results regarding venue.
    ¶28.   In Bailey, the plaintiff, a resident of Quitman County, sued two defendants: a
    nonresident (i.e., out-of-state) individual defendant and a resident (i.e., in-state) corporate
    defendant that had its principal place of business in DeSoto County. 
    Bailey, 919 So. 2d at 1-2
    . The plaintiff argued that because one of the defendants – the individual defendant – was
    13
    a nonresident, the venue statute allowed him to sue in his county of residence. 
    Id. at 2. This
    Court rejected that argument, reasoning that “the Legislature never intended an interpretation
    of the venue statutes that would allow a resident defendant to be sued in the plaintiff’s county
    of residence simply because a non-resident defendant, be it an individual or a corporation[,]
    is joined in the same suit.” 
    Id. at 3. The
    Bailey Court thus found that, because the resident
    defendant’s principal place of business was located in DeSoto County, venue was proper in
    DeSoto County and not in Quitman County. 
    Id. at 4. ¶29.
      In Myers, the plaintiff doctor sued the defendant insurance company in Holmes
    County, alleging that the insurance company wrongfully had refused to renew the insurance
    policy covering the plaintiff’s medical clinics. 
    Myers, 956 So. 2d at 214
    . The defendant’s
    principal place of business was located in Madison County, but “Holmes County was the
    county 1) in which [the plaintiff doctor] completed his insurance application, 2) from which
    he paid an insurance premium under his policy, 3) from which he communicated with the
    defendant about his insurance policy, 4) in which he received the denial letter, and 5) in
    which one of his insured clinics was located.” 
    Ellison, 4 So. 3d at 1053
    (citing 
    Myers, 956 So. 2d at 214
    , 218). This Court reasoned that, although the plaintiff experienced being
    uninsured in Holmes County, this could be the result of substantial acts, omissions, or injury-
    causing events that occurred in Madison County alone. 
    Myers, 956 So. 2d at 219
    . Thus, this
    Court held that under Section 11-11-3(1)(a)(i), venue was proper only in Madison County
    (where the defendant’s principal place of business was located) and therefore improper in
    Holmes County. 
    Id. at 220. 14
    ¶30.   In Ellison, the plaintiff, a resident of Smith County, sued multiple defendants: two
    insurance agents, both of whom resided in Rankin County, and an insurance company, which
    had its principal place of business outside of Mississippi. 
    Ellison, 4 So. 3d at 1050-51
    . The
    plaintiff alleged that the codefendants had breached their duty of good faith and fair dealing
    in failing to pay him the insurance benefits to which he was entitled. 
    Id. at 1050. The
    plaintiff argued that venue was proper in Smith County because he was informed of the
    denial of the insurance benefits in Smith County, and thus his cause of action occurred or
    accrued in Smith County. 
    Id. This Court reasoned
    that, pursuant to Section 11-11-
    3(1)(a)(i), unless the plaintiff could show that a “substantial act or omission” or a “substantial
    event causing the injury” had occurred in Smith County, venue would be proper only in
    Rankin County, where the resident defendants resided. 
    Id. at 1051. The
    Court went on to
    find that the plaintiff’s being informed of the denial of insurance benefits in Smith County
    was insufficient to establish venue there, and thus venue was proper only in Rankin County.
    
    Id. ¶31. These three
    decisions – Bailey, Myers, and Ellison – as well as the majority’s decision
    in the instant case, are summarized in Table 1 below.
    Table 1
    Case           Counties Involved             Mississippi Supreme Court’s Ruling
    Bailey         Quitman and DeSoto            Venue Proper in DeSoto County
    Myers          Holmes and Madison            Venue Proper in Madison County
    Ellison        Smith and Rankin              Venue Proper in Rankin County
    Holmes         Hinds and Rankin              Venue Proper in Rankin County
    15
    ¶32.   For the foregoing reasons, I must conclude that the instant case is yet another example
    of this Court using illegitimate rationale to support unjustified results regarding venue. The
    airport roundabout where the car accident occurred is not located in Rankin County, but
    rather in the City of Jackson in Hinds County, and therefore, pursuant to Section 11-11-
    3(1)(a)(i), venue is proper in Hinds County. Accordingly, I dissent and would affirm the trial
    court’s order denying the defendants’ motions to transfer venue to Rankin County.
    KITCHENS, JUSTICE, DISSENTING:
    ¶33.   Although I agree with the majority’s holding that Section 61-9-3(3) does not apply
    here, I dissent to express my concerns with the holding that venue is proper only in Rankin
    County and not in the First Judicial District of Hinds County.
    ¶34.   As acknowledged by the majority and according to Mississippi Code Section 11-11-
    3(1)(a)(i), a plaintiff has the following options from which he or she may choose in
    establishing proper venue: (1) if the defendant is a resident of Mississippi, venue is proper
    in the defendant’s county of residence; (2) if the defendant is a Mississippi corporation,
    venue is proper in the county of the corporation’s principal place of business; (3) venue is
    proper in any county where a substantial alleged act or omission occurred; or (4) venue is
    proper in any county where a substantial event that caused injury occurred. Miss. Code Ann.
    § 11-11-3(1)(a)(i) (Rev. 2004).7 From these four venue options, a plaintiff may choose
    “among the permissible venues, and his choice must be sustained unless in the end there is
    7
    McMillan filed suit in the County Court of Hinds County. The jurisdiction of circuit court
    and county court are concurrent “in all matters of law and equity wherein the amount of value of the
    thing in controversy shall not exceed, exclusive of costs and interest, the sum of Two Hundred
    Thousand Dollars ($200,000.00). . . .” Miss. Code Ann. § 9-9-21 (Rev. 2003). Thus, an analysis
    under Section 11-11-3(1)(a)(i) is proper.
    16
    no credible evidence supporting the factual basis for the claim of venue.” Hedgepeth v.
    Johnson, 
    975 So. 2d 235
    , 238 (Miss. 2008) (quoting Flight Line, Inc. v. Tanksley, 
    608 So. 2d
    1149, 1155 (Miss. 1992)).
    ¶35.   Applying Section 11-11-3(1)(a)(i) to the facts before us, venue is proper in either the
    First Judicial District of Hinds County or in Rankin County, and before filing suit, McMillan
    was free to choose between the two. As for Rankin County, venue is proper for two reasons.
    First, the defendant, Holmes, allegedly was a resident of Rankin County at the time the
    complaint was filed. Second, the automobile accident – which was a substantial event that
    caused injury – occurred there.
    ¶36.   With regard to the First Judicial District of Hinds County, venue was proper because
    a substantial, alleged act occurred there when McMillan entered into a contract with
    defendant State Farm through its agent, Jackie Bland, whose office was located in the First
    Judicial District of Hinds County. Accordingly, since he has supported his venue choice with
    credible evidence, McMillan’s choice of venue – the First Judicial District of Hinds County
    – should be sustained.
    ¶37.   Moreover, this Court has held venue to be proper in the county where the office of the
    insurance company’s agent was located, regardless of whether the insured met with the agent
    there; and, although the majority holds differently, the relevant acts to be considered in a
    breach-of-contract claim extend beyond the acts of the insurer’s decision to deny a claim.
    In Snyder v. Logan, a Jefferson County resident purchased automobile insurance from a
    foreign insurance company’s branch in Adams County. Snyder v. Logan, 
    905 So. 2d 531
    ,
    532-34 (Miss. 2005). Although there was minimal evidence that Snyder had any significant
    17
    connection with the branch in Adams County, this Court upheld the trial court’s finding that
    venue was proper in Adams County. 
    Id. In doing so,
    this Court did not specify its reasons
    for considering Adams County an appropriate venue; however, the only evidence before the
    Court was that: a) it was the branch from which Snyder had obtained her insurance; and b)
    Snyder allegedly had visited the branch on two occasions – once to pay an outstanding bill,
    and second, to verify coverage. 
    Id. at 532. Moreover,
    the Adams County agency was
    relocated to Vicksburg, in Warren County, and this Court held that venue also was proper
    in Warren County. 
    Id. The Court again
    failed to provide its logic for so holding; however,
    there was no evidence before the Court that Snyder had made a single visit to the new branch
    location in Warren County. 
    Id. at 534. ¶38.
      Also, the majority cites Medical Assurance Co. of Mississippi v. Myers, where a
    physician filed suit against his insurance company for failure to renew his policy. Med.
    Assurance Co. of Miss. v. Myers, 
    956 So. 2d 213
    , 214 (Miss. 2007). This Court noted that,
    because there was no single, substantial act to establish venue in Holmes County, venue was
    proper in Madison County, where “the parties did meet. . . .” 
    Id. at 219. ¶39.
      Clearly, this Court has placed emphasis on activities other than those pertaining to the
    decisions made by foreign corporations in their distant headquarters, and recognizes the
    importance of an in-state, face-to-face encounter between a corporation and a citizen of this
    state. And while the majority is correct in stating that, according to Myers, the venue statute
    requires at least one substantial alleged act or omission, not a conglomeration of minor
    occurrences, McMillan’s entering into a contract with State Farm’s agent, Jackie Bland, in
    the First Judicial District of Hinds County was substantial enough and supported by enough
    18
    credible evidence, that McMillan’s choice of venue should be upheld. To be sure, the venue
    statute does not require that the action cause injury. 
    Id. at 218. The
    only requirement is that
    the action be substantial and alleged. 
    Id. Whether an act
    is substantial is a subjective
    question, the answer to which is, ordinarily, best determined in the trial court.
    ¶40.     Because venue against State Farm was proper in the First Judicial District of Hinds
    County, venue also was proper against Holmes in th First Judicial District of Hinds County.
    “Where several claims or parties have been properly joined, the suit may be brought in any
    county in which any one of the claims could properly have been brought.” Miss. R. Civ. P.
    82(c).    Said another way, “[i]n suits involving multiple defendants, venue properly
    established against one defendant generally is proper against all defendants.” Penn Nat’l
    Gaming, Inc. v. Ratliff, 
    954 So. 2d 427
    , 432 (Miss. 2007) (citations omitted).
    ¶41.     Therefore, I agree with the majority’s holding that venue was proper in Rankin
    County; however, because I find that venue was also proper in the First Judicial District of
    Hinds County, I would affirm the trial court’s denial of Defendants’ Motion for Dismissal
    or Transfer.
    19