# Mouser v. Keystone RV Company

> District Court, N.D. Indiana · March 13, 2023

URL: https://www.frixlaw.com/law-library/cases/10163766

## Case

- **Court:** District Court, N.D. Indiana
- **Decided:** March 13, 2023
- **Opinion:** 100trialcourt
- **Cited by:** 0 later opinions in the Frix Law Library

## Citator (automated)

- No negative treatment found by the automated citator. That is not the same as a confirmation that the case is good law; read the citing cases.
- Full citator and citing cases: https://www.frixlaw.com/law-library/cases/10163766

## How later opinions describe it (automated extraction)

- discussing language in limitations of remedies clause
- finding personal jurisdiction in Indiana over out of state corporate defendant because it availed itself of the forum and applying Indiana choice of law rules to select Indiana law

## Opinion text

UNITED STATES DISTRICT COURT
NORTHERN DISTRICT OF INDIANA
SOUTH BEND DIVISION

JOSHUA MOUSER,

Plaintiff,

v. Case No. 3:20-CV-494 JD

KEYSTONE RV COMPANY,

Defendant.

OPINION AND ORDER
Joshua Mouser purchased a recreational vehicle (“RV”) manufactured by Keystone RV
Company (“Keystone”) in 2018 and thereafter incurred considerable headaches caused by the
RV’s numerous defects and Keystone’s customer service. Mr. Mouser’s RV suffered from at
least eight defects, and Mr. Mouser attempted to have these defects repaired pursuant to the one-
year limited warranty issued by Keystone by contacting Keystone’s authorized selling dealer,
Camping World in Tulsa, Oklahoma (“Camping World”). Unfortunately, Mr. Mouser
experienced a cyclical customer service run-around where both Camping World and Keystone
insisted only the other entity could assist him. After three repair attempts, several months, and
numerous communications with both Camping World and Keystone, the defects persisted, and
Mr. Mouser filed this suit for breach of warranty and unfair and deceptive practices.
Keystone filed the instant motion for summary judgment (DE 21), advancing several
arguments requiring the Court’s application of Indiana law. Alas, the applicable choice of law
rules dictate that Oklahoma law must apply, and therefore none of Keystone’s arguments are
sufficient to defeat Mr. Mouser’s breach of warranty claims. As such, the Court denies
Keystone’s motion for summary judgment with respect to those claims. However, Mr. Mouser
has failed to point to a qualifying misrepresentation to support his unfair and deceptive practices
claim brought under the Oklahoma Consumer Protection Act (“UDAP/OCPA claim”), so the
Court grants Keystone’s motion for summary judgment as to that claim.

A. Facts
On March 30, 2018, Mr. Mouser purchased an RV from Camping World for $66,951.
That RV was covered by a one-year limited warranty, issued by the manufacturer, Keystone.

Under the terms of that warranty, the buyer was instructed to contact the local authorized selling
dealer concerning repairs or issues covered under the warranty. Camping World was one such
authorized dealer. The warranty also specifies that if the buyer encountered difficulty obtaining
warranty service, he may contact Keystone directly at the customer service number provided.
The warranty does not require the buyer to allow Keystone to inspect the RV prior to obtaining
any remedy.
Mr. Mouser enjoyed taking the RV around Oklahoma, but from the beginning, the RV
suffered numerous defects. On May 12, 2018, Mr. Mouser took the RV on a camping trip to the
sand dunes. During that trip, he discovered that running the bedroom A/C unit tripped the RV’s
breaker, causing the A/C system to shut down entirely. At this time, it appeared this defect

occurred only when the RV was plugged into shore power. He also discovered a water leak
under the kitchen sink and some faulty wiring. The next week, Mr. Mouser called Camping
World about the issues, and Camping World recommended some DIY fixes, which Mr. Mouser
implemented.
On or about May 26, 2018, Mr. Mouser took the RV to Weatherford, Oklahoma, where
he discovered the A/C breaker and water leak issues persisted. He again called Camping World
and additionally called Keystone directly. Neither company had any advice for Mr. Mouser, nor
did either instruct him to bring the RV in for repair. Immediately upon returning from that trip,
Mr. Mouser again called Camping World about the RV’s issues. Camping World recommended
a DIY fix for the leaking, which Mr. Mouser implemented, and suggested he call Keystone
directly for assistance with the A/C breaker issue. He did so, and Keystone suggested he take the
RV to the dealership when he had time.
Wanting to enjoy his first summer with his newly-purchased RV and believing he could

work around the issues, Mr. Mouser determined he would take the RV in for service at Camping
World over the winter. He proceeded to take the RV to an Oklahoma lake for Father’s Day. On
this trip, he discovered that the A/C breaker persisted whether the RV was plugged into shore
power or running on the generator. He called Camping World to document this, but no
documentation was made. In August and September, he took a couple more trips in the RV. He
noticed more issues arise during that time and decided to keep the RV through the winter to
make sure everything worked in the winter months. Mr. Mouser was focused on having all the
issues repaired in one go.
On February 3, 2019, Mr. Mouser took the RV to Woodward, Oklahoma. During that
trip, he discovered that the bedroom furnace would not shut off and that the fireplace breaker

would trip when the television was on. On February 16, he took the RV to Camping World to
have all the defects repaired under the warranty. Camping World and Mr. Mouser agreed that the
repairs would be completed within 45 days. After a couple weeks, Mr. Mouser began periodic
check ins with Camping World via call and email. He was not impressed with the progress being
made to repair the defects. Concerned, Mr. Mouser called Keystone directly to discuss the issue.
Keystone began directing Camping World on the completion of the repairs, but did not instruct
Mr. Mouser to take any other action. On June 14, 2019, over four months after the RV was
presented for repair and well into traditional RV season, Camping World informed Mr. Mouser
that his RV was repaired and ready for pickup.
That same day, Mr. Mouser went to Camping World to pick up the RV. He inspected the
repairs and found that the A/C was still tripping the breaker. He informed Camping World of this
issue, and they promised to repair the RV. Believing Camping World, Mr. Mouser left the RV at
the dealer. This constituted the second repair attempt of the A/C breaker issue. On July 15, 2019,

one month later, Camping World delivered the RV to Mr. Mouser, representing that the A/C
breaker defect had been repaired. Shortly thereafter, Mr. Mouser tested the A/C and found that
turning it on caused the RV’s generator to shut off. Mr. Mouser contacted Camping World, and
they picked up the RV the next day for a third repair attempt. On August 21, 2019, five weeks
later, Camping World delivered the RV to Mr. Mouser, and again, Mr. Mouser discovered that
the A/C breaker issue as well as several other issues persisted. He reached out to Keystone about
the continued failure, and Keystone responded that nothing could be done, and he would have to
take the RV to Camping World.
On December 27, 2019, Mr. Mouser sent a letter to Keystone via certified mail detailing
the RV’s defects and the multiple failed repair attempts. In response, Keystone began

communicating via email with Mr. Mouser’s attorney, though Keystone never offered to pay any
damages and delayed providing a formal written position on the claims. Instead, Keystone
repeatedly asked to examine the RV at its headquarters or at another agreed upon location.
Communications regarding this extra inspection eventually broke down, due in part to
scheduling difficulties acerbated by the Covid-19 pandemic in spring 2020. On June 16, 2020,
Mr. Mouser filed this suit, challenging eight defects including the A/C breaker defect. Of these
defects, four were repaired after the first repair attempt; three remain unrepaired but were only
subject to the initial repair attempt, and one—the A/C breaker defect—remains unrepaired
despite three repair attempts totaling 180 days.

B. Legal Standard
Summary judgment is appropriate when the record shows that there is “no genuine issue
as to any material fact and that the moving party is entitled to a judgment as a matter of law.”

Fed.R.Civ.P. 56(c); Celotex Corp. v. Catrett, 477 U.S. 317, 322 (1986). Disputes concerning
material facts are genuine where the evidence is such that a reasonable jury could return a verdict
for the non-moving party. Anderson v. Liberty Lobby, Inc., 477 U.S. 242, 248 (1986). In deciding
whether genuine issues of material fact exist, the Court construes all facts in a light most
favorable to the non-moving party and draws all reasonable inferences in favor of the non-
moving party. See id. at 255. Summary judgment is not a substitute for a trial on the merits nor
is it a vehicle for resolving factual disputes. Waldridge v. Am. Hoechst Corp., 24 F.3d 918, 920
(7th Cir. 1994). On summary judgment, the Court must not weigh the evidence presented or
determine credibility of witnesses; the Seventh Circuit instructs that we leave those tasks to
factfinders. Berry v. Chicago Transit Auth., 618 F.3d 688, 691 (7th Cir. 2010). Even if the facts

are undisputed, summary judgment will not be entered unless the facts show the movant is
entitled to judgment as a matter of law. See Hotel 71 Mezz Lender LLC v. Nat'l Ret. Fund, 778
F.3d 593, 602 (7th Cir. 2015); LaSalle Bank Lake View v. Seguban, 54 F.3d 387, 398 (7th Cir.
1995).

C. Discussion
The record does not show Keystone is entitled judgment as a matter of law on Mr.
Mouser’s breach of express or implied warranty claims when properly analyzed under Oklahoma
law. Oklahoma law reserves questions of reasonableness for the jury, and this case is replete with
such questions. However, the Court finds summary judgment on Mr. Mouser’s OCPA claim
appropriate because he has not stated a non-duplicative qualifying unfair practice under the Act.
Accordingly, the Court denies Keystone’s motion for summary judgment on Mr. Mouser’s

breach of express warranty, implied warranty, and Magnuson-Moss claims, and grants summary
judgment on his UDAP/OCPA claim.

(1) Choice of Law
The Court must begin by determining which state’s law controls. Mr. Mouser argues
Oklahoma law controls all claims, while Keystone argues Indiana law controls the contract
claims and Oklahoma law controls the UDAP claim. “Federal courts hearing state law claims
under diversity or supplemental jurisdiction apply the forum state’s choice of law rules to select
the applicable state substantive law.” McCoy v. Iberdrola Renewables, Inc., 760 F.3d 674, 684
(7th Cir. 2014). Indiana law does not require an entire action to take the law of the same state;

that is, a Court might apply one state’s law to a plaintiff’s contract claims while applying another
state’s law to plaintiff’s tort claims in the same action. Nat'l Union Fire Ins. Co. of Pittsburgh,
PA v. Standard Fusee Corp., 940 N.E.2d 810, 815 (Ind. 2010). In this case, Oklahoma law is the
correct choice of law for Mr. Mouser’s contract as well as UDAP claims.

(a) Oklahoma law controls the contract claims.
Indiana’s choice of law rules in contract cases apply the law of the state with the most
intimate contacts. Nat’l Union Fire, 940 N.E. 2d at 815. To determine the state with the most
significant relationship to the transaction and the parties, and therefore the most intimate
contacts, the Court considers five factors: (1) the place of contracting, (2) the place of
negotiation of the contract, (3) the place of performance, (4) the location of the subject matter of
the contract, and (5) the domicile, residence, nationality, place of incorporation and place of

business of the parties. Cincinnati Ins. Co. v. Trosky, 918 N.E.2d 1, 7 (Ind. Ct. App. 2009).
Considering the above, the facts of this case overwhelmingly favor the application of Oklahoma
law. The RV in question was purchased in Oklahoma, the warranty was offered and signed in
Oklahoma, the RV appears to have been operated entirely in Oklahoma, the issues were
discovered in Oklahoma, the repair attempts occurred in Oklahoma, and Mr. Mouser is a resident
of Oklahoma. Disputes about contractual choice of law often concern messier facts, such as an
RV that incurs repairs across multiple states. See, e.g. Pecan Tr. v. Nexus RVs, LLC, No. 3:22-
CV-531 DRL-MGG, 2023 WL 346218, at *2 (N.D. Ind. Jan. 20, 2023) (applying Arizona law
where repairs occurred in Texas, Arizona, and Indiana). But here, the entire transaction from
purchase to suit occurred in Oklahoma; that state’s intimate contacts are inarguable. The only

connections this suit has with Indiana are the location of this Court, which is not a relevant
factor, and the corporate citizenship of Keystone, which the Court does not find dispositive
considering the overwhelming connection of this suit to Oklahoma and Keystone’s choice to do
business in Oklahoma. Cf. NUCOR Corp. v. Aceros Y Maquilas de Occidente, S.A. de C.V., 28
F.3d 572, 580–81 (7th Cir. 1994) (finding personal jurisdiction in Indiana over out of state
corporate defendant because it availed itself of the forum and applying Indiana choice of law
rules to select Indiana law). Given the undeniable connections between this suit and Oklahoma,
the Court would err to proceed under any other state’s law and so will not. See Shearer v. Thor
Motor Coach, Inc., 470 F. Supp. 3d 874, 884 (N.D. Ind. 2020) (applying Florida law on similar
facts). Oklahoma law controls all claims sounding in contract, including breach of express
warranty, breach of implied warranty, and Magnuson-Moss. See Boehmke v. Stuart Pontiac-
Cadillac, Inc., No. CIV-21-537-D, 2022 WL 1321553, *4 (W.D. Okla. May 3, 2022) (discussing
Magnuson-Moss choice of law).

Keystone argues that Indiana law may be applied regardless of the most intimate contacts
because there is not a true conflict of laws, and the choice of law analysis only occurs if there is
such a conflict. See Kentucky Nat. Ins. Co. v. Empire Fire & Marine Ins. Co., 919 N.E.2d 565,
575 (Ind. Ct. App. 2010). A true conflict exists if there is a difference between the relevant laws
that is important enough that it may affect the outcome of the litigation in this case. Id. at 576.
Here, the conflict is straightforward. Indiana law has defined “reasonable opportunity to cure” as
meaning more than two attempts. Zylstra v. DRV, LLC, 8 F.4th 597, 602 (7th Cir.), cert. denied,
211 L. Ed. 2d 403, 142 S. Ct. 716 (2021) (applying Indiana law). Under this standard, the Court
would grant summary judgment on seven out of eight of Mr. Mouser’s claims, as they were only
presented for repair once. But Oklahoma law holds that the reasonableness of an opportunity to

cure is a fact question for the jury; if the Court adopted Oklahoma’s law, all eight of Mr.
Mouser’s claims could survive. See Cline v. DaimlerChrysler Co., Corp., 114 P.3d 468, 476
(Okla. Civ. App. 2005). Further, the Seventh Circuit held that time out of service of 102 days
could not support a breach of warranty case as a matter of law in Zylstra. 8 F.4th at 609. Given
that this suit concerns delays of 119 days and Mr. Mouser has not stated a reason why the extra
17 days would be dispositive, if applying Indiana law, the Court would again grant summary
judgment on at least seven of Mr. Mouser’s claims. Oklahoma has no such bright line rule, and
the delay is again reserved as a jury question. Cline, 114 P.3d at 476. The difference between
winning and losing nearly 90% of one’s claims cannot be written off as immaterial. Accordingly,
the Court finds a true conflict of laws exists, and Oklahoma law must be applied.

(b) The UDAP claim is brought under Oklahoma law, and Oklahoma law
controls.

A statutory or tort claim is not necessarily controlled by the contractual choice of law
analysis; a single action could contain multiple claims and apply different states’ law. Simon v.
United States, 805 N.E.2d 798, 801 (Ind. 2004). However, in this case, the parties have
consented on summary judgment that Mr. Mouser brings a claim under the Oklahoma Consumer
Protection Act (“OCPA”), which will be governed by Oklahoma law. See Allen v. Great Am.
Rsrv. Ins. Co., 766 N.E.2d 1157, 1167 (Ind. 2002) (applying Indiana law to breach of contract
and common law fraud claims but North and South Carolina law to claims brought under each
state’s respective unfair trade practices statute). Although it was initially unclear which state’s
unfair, deceptive, and abusive practices statute Mr. Mouser intended to proceed under,1 on
summary judgment, he has clearly chosen OCPA. (DE 28 at 24–25.) Therefore, to the extent a

claim ever existed under the Indiana Deceptive Consumer Sales Act, the Court finds it
abandoned by Mr. Mouser’s failure to defend it on summary judgment. See Maclin v. SBC
Ameritech, 520 F.3d 781, 788 (7th Cir. 2008). As such, the Court will proceed under the OCPA
alone for the UDAP claim, and Oklahoma law will apply.

1 The complaint stated: “Third Claim: UDAP Law(s): This claim is for violation of applicable state UDAP
laws, being the Indiana Deceptive Consumer Sales Act, I.C. 24-5 et. seq. and/or the Oklahoma Consumer Protection
Act, 15 Okl. St. 7611 et seq., by Defendant.” (DE 1 at 10–11.)
(2) Breach of Express Warranty
Keystone presents two primary arguments for summary judgment on Mr. Mouser’s
breach of express warranty claims: that Mr. Mouser did not offer Keystone reasonable
opportunity to cure as a matter of law, and that Mr. Mouser’s suit is inappropriate because he did
not first avail himself of the limited backup remedy. Under Oklahoma law, a breach of warranty

claim exists where (1) a warranty exists, (2) the warranty was breached, and (3) the breach of the
warranty was the proximate cause of the loss sustained. Am. Fertilizer Specialists, Inc. v. Wood,
635 P.2d 592, 595 (Okla. 1981). Keystone’s arguments concern the second prong, whether a
breach occurred. Applying Oklahoma law, the reasonableness of the opportunity to cure is a jury
question, and Mr. Mouser met his burden to avail himself of the limited backup remedy.
Therefore, the Court denies summary judgment, finding factual questions remain that cannot be
resolved at this juncture.

(a) Whether Keystone was afforded a reasonable opportunity to cure is a jury
question.

The Court begins with the question of whether Keystone was afforded “reasonable
opportunity to cure” as required under Magnuson-Moss and the express terms of the warranty.
Troublingly, the Court must begin by clarifying basic principles of contract law. An express
warranty is a contract, and a court looks to the terms of a contract when interpreting and
enforcing it. Hampton v. Gen. Motors, LLC, --- F.Supp.3d ---, 2022 WL 4538440, at *3 (E.D.
Okla. Sept. 28, 2022) (noting the first step in analyzing a breach of express warranty claim is
“examining the plain language of the warranty.”). The limited warranty in question, though
awkwardly drafted, unquestionably requires the buyer afford Keystone a reasonable opportunity
to repair. (DE 23-3 at 1.) Mr. Mouser argues that the U.C.C. as adopted by Oklahoma does not
require reasonable opportunity to cure and requires only that the buyer timely notify the seller of
the default, so it is not dispositive whether Keystone was afforded a reasonable opportunity to
cure. That argument misses the mark. The U.C.C. represents a default rule; parties are free to
contract around or outside of it. See U.C.C. Art. § 1-302(a). (“Except as otherwise provided…

the effect of provisions of the Uniform Commercial Code may be varied by agreement.”)
Because the express terms of the limited warranty require a reasonable opportunity to cure—thus
opting out of the U.C.C.’s rule—a reasonable opportunity to repair must be had, regardless of the
U.C.C.’s thoughts on the matter.
So, a reasonable opportunity to repair must have been afforded to Keystone before a
breach could occur. With that established, the Court can consider whether Keystone was
afforded a reasonable opportunity to repair under Oklahoma law. A reasonable opportunity to
repair implies notice plus time. See Osburn v. Bendix Home Sys., Inc., 613 P.2d 445, 449 (Okla.
1980) (the limited repair remedy implies repair will be timely); Cline, 114 P.3d at 469
(Magnuson-Moss requires reasonable notice). While Indiana law has defined “reasonable

opportunity to cure” to mean at least three attempts to cure, Oklahoma law is not so militant.
Under Oklahoma law, whether the opportunity to repair was reasonable is a fact question for the
jury; Cline explicitly holds as such. 114 P.3d at 469; see also Precision Aggregate Prod., L.L.C.
v. CMI Terex Corp., No. CIV-06-1146-L, 2007 WL 9711241, at *6 (W.D. Okla. Nov. 7, 2007)
(cannot say as a matter of law whether a reasonable opportunity to repair was given). But Cline
is but one thread in the voluminous tapestry of Oklahoma case law reserving similar questions of
notice and timeliness for the jury in contracts cases. See Am. Fertilizer Specialists, 635 P.2d at
596 (sufficiency of notice and reasonable time for notice goes to the jury under most
circumstances); I.C. Gas Amcana, Inc. v. J.R. Hood, 855 P.2d 597, 600 on reh'g in part (July 6,
1993) (reasonable time in contract is generally a fact issue for the jury); Oberg v. Phillips, 615
P.2d 1022, 1025 (Okla. Civ. App. 1980) (what constitutes a reasonable time to remedy defect is a
question of fact for the jury); Telco Supply Co. v. Remee Prod. Corp., No. CIV-13-207-RAW,
2014 WL 4826648, *3 (E.D. Okla. Sept. 29, 2014) (reasonable notice of breach goes to jury).

The Court has no question an Oklahoma court applying Oklahoma law would decline to decide
whether the opportunity to repair was reasonable as a matter of law and would instead send the
question to the jury. Under this extremely clear precedent, the Court declines to grant summary
judgment and reserves the question of whether Keystone had a reasonable opportunity to cure the
defects for the factfinder at trial.

Keystone argues in its reply brief that it did not have a reasonable opportunity to cure
because it was not afforded notice, as Mr. Mouser frequently communicated his concerns to
Camping World. Keystone points to decisions by other courts finding dealers not to be the agents
of manufacturers in other contexts. This is unpersuasive for the following reasons: because
agency is not necessary to delegate a duty, because a party to a contract may delegate a duty
without relieving itself of liability, because Keystone could be equitably estopped from taking
this position, and because arguments raised for the first time on reply are waived. See Limited
Warranty at DE 23-3 at 1 (“To obtain service… we recommend that you first contact your local
selling dealer for warranty service.”); Okla. Stat. Ann. tit. 12A, § 2-210(1) (“A party may
perform his duty through a delegate unless otherwise agreed or unless the other party has a

substantial interest in having his original promisor perform or control the acts required by the
contract. No delegation of performance relieves the party delegating of any duty to perform or
any liability for breach.”) (emphasis added); Sullivan v. Buckhorn Ranch P'ship, 119 P.3d 192,
201 (Okla. 2005) (equitable estoppel prevents injustice where a party seeks to benefit from a
prior misrepresentation upon which the adverse party relied); White v. United States, 8 F.4th 547,
552 (7th Cir. 2021) (arguments raised for the first time on reply are waived). Rather than exhaust
these numerous arguments, the Court merely presents an analogous hypothetical: if Keystone

had written a provision into its warranty agreement that a buyer could obtain relief pursuant to
the warranty by writing a letter to Santa Claus, it would be afforded an inequitable absolute bar
to any obligation to repair under the warranty (as that is Santa’s job) and an absolute bar to suit
on the warranty (send that complaint to Santa). Replacing Santa with Camping World could
yield the same effect without notifying the buyer that his warranty is useless. The Court is less
than delighted by this argument, as it blames the buyer—who is typically less sophisticated and
presumably relies upon the seller’s instructions—for justifiably relying. And further, even if the
Court found Keystone’s argument that notification of Camping World could not serve to notify
Keystone persuasive, Mr. Mouser did notify Keystone of the defects: four times before sending
the certified letter by counsel and numerous other times prior to filing suit. There is sufficient

evidence to send to the jury whether this constituted reasonable notice, so the Court declines to
grant summary judgment.

(b) Mr. Mouser met his burden under the backup remedy.
Keystone’s second major argument is that Mr. Mouser’s breach of warranty claim fails
because he failed to exhaust the limited back up remedy. To be clear, it is not entirely certain
what Keystone means by “failed to exhaust;” Keystone alternately writes that Mr. Mouser “failed
to satisfy” or “did not avail himself” of the remedy, but it is unclear what concrete, specific
actions Keystone is suggesting Mr. Mouser did not take. (DE 23 at 10–11.) Relevantly, the
limited back up remedy in question reads: “As a limited back-up remedy in the event the RV
cannot be repaired, after receiving a reasonable opportunity to repair, Keystone may, at its
option, either (i) pay you the diminution in value damages, or (ii) provide a similar replacement
recreational vehicle, less a reasonable allowance for the owner’s use of the original RV.” (DE

23-3 at 1.) So, the question becomes under the express terms of this provision and Oklahoma
law, what, if any, action was Mr. Mouser required to take?
Assuming this operates as an exclusive remedy clause, Mr. Mouser met his burden under
Oklahoma law.2 “[P]arties may contract to an exclusive remedy for breach, which if reasonable
will be enforced and will exclude other remedies.” Pub. Serv. Co. of Oklahoma v. State ex rel.
Oklahoma Corp. Comm'n, 115 P.3d 861, 875 (Okla. 2005), as corrected (July 13, 2005). In a
case discussing limited remedies, the Oklahoma Supreme Court has imposed a duty upon the
buyer to make demand or notify the seller of the product’s failure to work. See Volz v. Clark, 303
P.2d 441, 443 (Okla. 1956). This concept accords with the succeeding paragraph of the express
warranty, “How to Obtain Service,” which instructs the buyer to “first contact your local selling

dealer” and provides an address for Keystone customer service should that fail. (DE 23-3 at 1.)

2 This is a fairly generous assumption. Under Oklahoma law, the seller has the burden of showing a listed
remedy is a sole and exclusive remedy. See Tuttle v. Kelly-Springfield Tire Co., 585 P.2d 1116, 1120 (Okla. 1978).
The limited back up remedy, though it says “limited,” uses traditionally permissive language (“may”) and lacks the
“sole and exclusive” remedy language traditionally found in such clauses. See generally Collins Radio Co. of
Dallas, Tex. v. Bell, 623 P.2d 1039, 1048–49 (Okla. 1980) (discussing language in limitations of remedies clause).
While it was not raised by the parties, it is possible this clause serves to expand the rights of the buyer rather than
restrict the legally available remedies. See Pub. Serv. Co. of Oklahoma v. State ex rel. Oklahoma Corp. Comm'n,
115 P.3d 861, 875 (Okla. 2005), as corrected (July 13, 2005).
Therefore, it is clear that in order to “exhaust” the limited remedy, Mr. Mouser would have to at
least notify Keystone or Camping World of the problems he was facing.
But might he have to do something more than notify? The Court thinks not. To the extent
that “exhausting” the backup remedy could mean something more than notice and a reasonable
time to cure—such as actual implementation of the specified remedy—that possibility is
foreclosed by Magnuson-Moss and under Oklahoma law. Straightforwardly, the Magnuson-

Moss Act prohibits warrantors from imposing “any duty other than notification upon any
consumer as a condition of securing remedy” unless the warrantor has demonstrated in a
proceeding that such a duty is reasonable; Keystone has offered no such demonstration. See 15
U.S.C. § 2304(b)(1). And Oklahoma law makes clear what happens where a buyer properly
notifies the seller and the seller does nothing: the limited remedy fails of its essential purpose,
and the buyer may pursue any remedies available under the U.C.C. Collins Radio Co. of Dallas,
Tex. v. Bell, 623 P.2d 1039, 1051 (Okla. Civ. App. 1980). The seller’s inaction and refusal to
honor the limited remedy results in an expansion, not a contraction, of the buyer’s rights. The
finding that the remedy has failed of its essential purpose is automatic because the seller’s failure
to honor the chosen limited remedy unfairly deprives the buyer of the benefit of the bargain.

Osburn, 613 P.2d at 449–50.
This makes practical sense because Mr. Mouser is not in a position (outside of litigation)
to force Keystone to honor the backup remedy; all he can do is repeatedly demand that Keystone
remedy his troubles. But it is Keystone’s duty under the agreement to honor the backup remedy,
and Keystone’s ultimate decision whether to pay Mr. Mouser or give him a similar RV. Further
equitable considerations also support this reading. Keystone is the party who selected the backup
remedy when drafting the warranty agreement, ostensibly because it finds it less objectionable
than other remedies that may normally be afforded to Mr. Mouser under law. It would not be
sensible or equitable to reward Keystone for deferring or denying this already circumscribed
remedy. Cf. A.B. ex rel. Blaik v. Health Care Serv. Corp., No. CIV-14-990-D, 2015 WL
6160260, at *4 (W.D. Okla. Oct. 20, 2015) (waiving contractual exhaustion requirement where
plaintiff followed internal negotiation process in good faith before filing and defendant
corporation delayed or ignored her claims). The buyer does not have to wait around “exhausting
the remedy” (and his patience) while the seller enjoys a bar to suit.3 For these reasons,

Keystone’s argument that Mr. Mouser’s suit is barred because he did not exhaust the backup
remedy fails.
Therefore, Mr. Mouser’s obligation under the limited warranty consists only of notice. Of
course, where the claim hinges on reasonable notice, Oklahoma law sends it to the jury. Cline,
114 P.3d at 476; American Fertilizer Specialists, 635 P.2d at 596. Accordingly, the inquiry must
be limited to whether any reasonable jury could find for Mr. Mouser. “The [buyer’s] notification
may be either oral or in writing and is sufficient if it is informative to the seller of the general
nature of the difficulty encountered with the warranted goods;” no magic words are required.
American Fertilizer Specialists, 635 P.3d at 596. Mr. Mouser has made a clear showing on

summary judgment that he did notify Keystone; his demand letter and pre-suit communications
are explicit and occur over a number of months, and a reasonable jury could find he met his
burden to notify. (DE 29-8; 23-9.) It is of no moment that Mr. Mouser sometimes invoked a
remedy other than the limited backup remedy because, under both Oklahoma law and the express

3 In Keystone’s advocated view, it appears Mr. Mouser would not be able to bring a claim if the backup
remedies in question were not given, because then the limited remedy would not be “exhausted.” But, of course, he
could not bring a claim if the backup remedy was honored, because Keystone could point to the limitation of remedy
under the agreement. The Court will not entertain this reading.
terms of the agreement, he was not required to use particular words to adequately inform
Keystone. Mr. Mouser told Keystone about the issues his RV was facing, made clear his position
that the repair remedy had failed, and demanded Keystone remedy the issue. (DE 23-8 at 2.)
Therefore, the Court cannot grant summary judgment on his breach of express warranty claim.

(c) Other arguments do not entitle Keystone to summary judgment.

Two other arguments are advanced by Keystone, and the Court finds it helpful to clarify
their success at this juncture. These arguments are (1) whether the second and third attempts to
repair the front A/C breaker defect covered by the warranty and (2) whether time out of service
alone can sustain a breach of warranty such that fixed issues (water leak from sink, water
damage to trim and floor, trim above couch bubbling, and hydraulic jack leaking) are actionable
breaches of the express warranty.
Mr. Mouser has presented sufficient evidence on summary judgment to show the second
and third attempts to repair the front A/C breaker defect are covered under the express terms of
the warranty. Mr. Mouser’s declaration indicates the defect he refers to as the “A/C breaker
defect” is a single issue, and that he informed Keystone about the issue within the warranty

period. (DE 29-1 at 2.) The second and third opportunities to repair are covered under the terms
of the limited warranty because they arise from the same defect. The relevant provision reads: “If
within the one (1) year limited warranty period a defect in materials or workmanship is found to
exist that is not excluded from coverage, Keystone’s sole and exclusive obligation shall be to
repair the same.” (DE 23-3 at 1.) The Court finds the language of this provision controlling.
Whether a defect is covered is temporally anchored to the discovery of the defect, not the buyer’s
notice to the seller of a need for repair. (“If within the one (1) year…a defect is found to
exist…”). It is irrelevant when the notice of repair is given; though notice may serve to provide a
defense under other provisions of the express warranty or the U.C.C., it has no bearing on
whether the defect is included under the one-year limited warranty as an initial matter. While the
specificity of the phrase “is found to exist” certainly leaves something to be desired, the Court
construes the ambiguity of the phrase against the drafter and finds that the relevant event is when
Mr. Mouser discovered the defect. See Hampton v. Gen. Motors, LLC, --- F.Supp.3d ---, 2022

WL 4538440, at *3 (E.D. Okla. Sept. 28, 2022) (construing the terms of a warranty against the
drafter). Because Mr. Mouser discovered the A/C breaker defect within the limited warranty
period, the second and third attempt to fix the defect are within the plain language of the
warranty’s terms.4 Therefore, the Court declines to grant summary judgment or limit Mr.
Mouser’s A/C breaker claim to the first notice of repair.
Next, Keystone argues that any defects repaired during the initial, 119-day repair period
cannot sustain a claim because they were fixed. This argument fails because Oklahoma law
allows time out of service to form the basis of a breach of warranty claim, and the Court cannot
say 119 days was a reasonable amount of time to cure as a matter of law. Oklahoma law allows
time out of service to be considered in a breach of warranty claim. “Implicit in the warranty-

imposed obligation to repair or replace is the duty of providing conformable goods within a
reasonable time after a defect in the original delivery is discovered.” Osburn, 613 P.2d at 449.
Where the time to repair must be reasonable, reasonableness is a fact issue. Oberg v. Phillips,
615 P.2d 1022, 1026 (Okla. Civ. App. 1980). Oberg, interpreting a related section of the U.C.C.,

4 Of course, if a defect was repaired and the same element failed again many years later, such a failure
obviously would not constitute the same defect or pull the later failure under the terms of the warranty. But the facts
of this case support that the original defect persisted through all three repair attempts, and therefore was a single
defect covered under the warranty.
wrote persuasively, “[T]he right to cure is not a limitless one to be controlled by the will of the
seller, but should more closely approximate the expectations of both parties.” Id. (finding
revocation appropriate where the vehicle was in the shop at least 30 days). Therefore, even if a
defect is fixed on the first try, the warranty may be breached if the repair effort takes an
unreasonable amount of time. The Court cannot find as a matter of law that 119 days is a
reasonable amount of time under the circumstances or that it approximates the expectations of

the parties; those issues are issues of fact reserved for the jury. Id. Accordingly, the Court
declines to grant summary judgment.

(3) Breach of Implied Warranty
Mr. Mouser’s claim for breach of implied warranty of merchantability survives because
Keystone has not presented any basis for its entitlement to judgment as a matter of law on the
claim under Oklahoma law. Though the express warranty contains a provision disclaiming
implied warranties, the Magnuson-Moss Act disallows such disclaimers. See 15 U.S.C.
§ 2308(a). The implied warranty of merchantability is governed by the U.C.C. as enacted in
Oklahoma. Okla. Stat. tit 12A, § 2-314(2)(c). A product is merchantable under Oklahoma law

when it operates for its ordinary purpose. Schrock v. Wyeth, Inc., 727 F.3d 1273, 1288 (10th Cir.
2013) (applying Oklahoma law). This does not require that the goods are of the best quality, but
that they are of a fair average quality such as is generally sold in the market. Okla. Stat. Ann. tit.
12A, § 2-314; Collins Radio Co. of Dallas, Tex. v. Bell, 623 P.2d 1039, 1053 (Okla. Civ. App.
1980). It is not enough that a vehicle is capable of being driven; it does not operate for its
ordinary purpose if it requires additional, out of the ordinary maintenance. Hampton v. Gen.
Motors, LLC, --- F.Supp.3d ---, 2022 WL 4538440, at *5 (E.D. Okla. Sept. 28, 2022).
The only argument directed at the implied warranty of merchantability claim is that it
fails because Magnuson-Moss requires a reasonable opportunity to repair—the same
unsuccessful argument advanced against the express breach of warranty claim. It fails here as
well, and so the Court must deny summary judgment. Mr. Mouser’s implied warranty claim
survives.

(4) Magnuson-Moss Warranty Act
“Claims under the Magnuson-Moss Act stand or fall with a plaintiff’s express and
implied warranty claims under state law. Therefore, this court’s disposition of the state law
warranty claims determines the disposition of the Magnuson-Moss Act claims.” Platt v.
Winnebago Indus., Inc., 960 F.3d 1264, 1269 (10th Cir. 2020). The parties agree the Magnuson-
Moss claim is dependent on the survival of state law breach of warranty claims. As both the
express warranty and implied warranty claims survived, the Magnuson-Moss claim, too,
survives. See Dinwiddie v. Suzuki Motor of Am., Inc., 111 F. Supp. 3d 1202, 1213 (W.D. Okla.
2015) (dismissing Magnuson-Moss claim where state law warranty claims were dismissed).

(5) UDAP/OCPA
Keystone is entitled to summary judgment on Mr. Mouser’s OCPA claim because Mr.
Mouser has failed to show a misrepresentation or other unfair practice distinct from the warranty.
Keystone argued in its summary judgment motion that Mr. Mouser’s OCPA claim is not pled
with particularity and fails to state a claim. This vein of argument challenges the facial

sufficiency of the complaint, not whether evidence in the record is sufficient to support
plaintiff’s claims; such arguments are procedurally out of step with the posture of this case
because they are more appropriate for a motion to dismiss.5 Without belaboring the point, the
Court will not review the sufficiency of the pleading under the 12(b)(6) standard and will
proceed to inquire whether there is no dispute of material fact such that Keystone is entitled to
judgment as a matter of law, as is appropriate under Rule 56.

Keystone is entitled to summary judgment because Mr. Mouser has not shown any
misrepresentation distinct from the breach of warranty.6 “[T]he four elements of a consumer’s
private action under the OCPA are: (1) that the defendant engaged in an unlawful practice as
defined at 15 O.S. (1991), § 753; (2) that the challenged practice occurred in the course of
defendant’s business; (3) that the plaintiff, as a consumer, suffered an injury in fact; and (4) that
the challenged practice caused the plaintiff’s injury.” Patterson v. Beall, 19 P.3d 839, 846 (Okla.

2000). On summary judgment, Mr. Mouser asserts only a single specific misrepresentation:
“Keystone represented in its warranty that it would repair defects in materials and workmanship

5 The Court finds itself suffering from déjà vu, as this exact argument was advanced on summary judgment
concerning the same UDAP pleading language between parties represented by the same counsel in Andersen v. Thor
Motor Coach, Inc., 402 F. Supp. 3d 467, 481 (N.D. Ind. 2019). In that case, the court found plaintiff’s counsel’s
identical UDAP claim was fundamentally defective because it did not meet federal pleading standards, but defense
counsel failed to file an appropriate 12(b)(6) motion to challenge the pleading. Id.
6 To clarify, OCPA protects against unlawful practices other than misrepresentations; the statute
enumerates thirty-two potential unlawful practices. See Okla. Stat. Ann. tit. 15, § 753. But Keystone has only
challenged a lack of misrepresentations, and Mr. Mouser has only asserted misrepresentations in response, so it is
clear we are proceeding on a misrepresentation theory.
found to exist and not excluded from coverage.” (DE 28 at 24.)7 This “misrepresentation” is not
separate tortious conduct; it is literally a breach of warranty claim, which is not actionable under
OCPA. See Cline, 114 P.3d at 473 (“Under these circumstances, we conclude that denying a
warranty claim…did not, standing alone, constitute a violation of the OCPA.”); Dinwiddie v.
Suzuki Motor of Am., Inc., 111 F. Supp. 3d 1202, 1217 (W.D. Okla. 2015) (“violation of
Magnuson-Moss Act does not constitute a per se violation of OCPA”).

The breach of warranty could not qualify as a misrepresentation because OCPA does not
exist as a vehicle for double recovery in breach of contract cases. It is helpful to analogize a
claim under OCPA to a common law fraud claim. Generally, to the extent OCPA claims rely on
misrepresentations, they sound in fraud. Cont'l Res., Inc. v. Wolla Oilfield Servs., LLC, 510 P.3d
175, 180 (Okla. 2022) (writing of an OCPA claim: “there is no fraudulent transaction until a

misrepresentation has been communicated.”). In order to prevent tort law from swallowing
contracts, “the consensus view among the federal district courts is that under Oklahoma law, a
plaintiff cannot simultaneously pursue fraud and breach of contract claims when those claims are
based on the same facts and seek the same damages.” Cont'l Res., Inc. v. Wolla Oilfield Servs.
LLC, No. 20-CV-00200-PRW, 2021 WL 2905412, at *6 (W.D. Okla. July 9, 2021) (collecting
cases); McGregor v. Nat'l Steak Processors, Inc., No. 11-CV-0570-CVE-TLW, 2012 WL

7 Mr. Mouser also argues that the following paragraph particularly alleges a misrepresentation:
“Defendant… represent[ed] that the subject of the consumer transaction has performance, characteristics,
accessories, uses, or benefits it does not have which the supplier knows or should reasonably know it does not
have.” This is meaningless boilerplate that does not particularly allege anything, as the who, what, when, and where
is totally absent, and Mr. Mouser did not provide any evidence of what he might mean by this. See Key v. Exxon
Mobil Corp., 508 F. Supp. 3d 1072, 1085 (E.D. Okla. 2020) (discussing rule 9(b) standards). The Court is also
curious regarding Mr. Mouser’s choice to rely on this particular boilerplate allegation on summary judgment when
he listed thirty other equally vague options in his complaint. Metaphorically, he has thrown spaghetti at the wall and
then removed all but one especially slippery noodle.
314059, at *3 (N.D. Okla. Feb. 1, 2012) (if a plaintiff could bring a fraud claim for breach of
contract, “any breach of contract action could be simultaneously brought as a tort action”). “To
determine whether a fraud claim is sufficiently distinct from a breach of contract claim, the
courts consider two things: whether the facts supporting each claim are different, as well as
whether the damages arising as a result of each claim are different.” Key v. Exxon Mobil Corp.,
508 F. Supp. 3d 1072, 1087 (E.D. Okla. 2020). In Mr. Mouser’s claim, it is not close; the only

identified misrepresentations are the warranty’s terms. See id. (prohibiting fraud claim after
similar analysis). As such, his OCPA claim must fail because no distinct actionable unfair
practice has been shown.
Further, Mr. Mouser’s OCPA claim fails because he has not shown he incurred damages
other than those to the RV. Courts applying Oklahoma law find a plaintiff must state a distinct

injury other than economic losses caused breach of contract to bring a claim under OCPA. See In
re: Gen. Motors LLC Ignition Switch Litig., No. 14-MC-2543 (JMF), 2016 WL 3920353, at *36
(S.D.N.Y. July 15, 2016) (collecting Oklahoma cases). Damages are an essential element of an
OCPA claim; a viable plaintiff must show something more than a violation of the act to recover.
Tibbetts v. Sight "n Sound Appliance Centers, Inc., 77 P.3d 1042, 1051 (Okla. 2003). The
Oklahoma Supreme Court has held there must be a distinct injury greater than the purchase price
of a product to state a claim under OCPA. Walls v. Am. Tobacco Co., 11 P.3d 626, 629 (Okla.
2000). Mr. Mouser’s statement of facts does not include any evidence of damages other than the
loss of the purchase price of the RV. (DE 29 at 32–35.) Therefore, his OCPA claim lacks
evidence of an essential element, and summary judgment is appropriate as a matter of law. See

Harrison v. Leviton Mfg. Co., No. 05-CV-491, 2006 WL 2990524, at *5 (N.D. Okla. Oct. 19,
2006) (plaintiff did not state facial OCPA claim where he did not state damages other than the
purchase price of the product).

D. Conclusion
Accordingly, the Court DENIES summary judgment on Mr. Mouser’s breach of express
warranty, breach of implied warranty, and Magnuson-Moss claims and GRANTS summary
judgment on Mr. Mouser’s UDAP/OCPA claim. (DE 21.) The Court also DENIES as moot
Keystone’s motion to strike expert testimony, as the Court did not rely on the expert testimony to
reach its conclusion on summary judgment. (DE 24.) Keystone is free to challenge the expert in
its motions in limine at trial if it so chooses.

SO ORDERED.
ENTERED: March 13, 2023

/s/ JON E. DEGUILIO
Chief Judge
United States District Court

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Source: Frix Law Library, https://www.frixlaw.com/law-library/cases/10163766. Public record. Not legal advice.