Bruce v. Safeco Insurance — Missouri appeals court dismisses appeal for missing transcript and deficient briefing

Case
Safeco Insurance Company of Illinois, Plaintiff; Erica Doss v. Janae Bruce
Court
Missouri Court of Appeals, Western District
Date Decided
June 23, 2026
Docket No.
WD87680
Topics
Appellate Procedure, Interpleader, Insurance, Pro Se Litigants
Source
Read the full opinion

Background

On June 22, 2023, a two-vehicle collision near the intersection of East 31st Street and Kensington Avenue in Jackson County, Missouri, injured four people: Janae Bruce, Erica Doss, Dominique Johnson, and a minor child. All four were occupants of the two vehicles involved. A Safeco Insurance Company of Illinois automobile policy covered one of the vehicles, with liability limits of $50,000 per accident.

Anticipating that the combined claims of the injured parties would exceed those limits, Safeco filed an interpleader action on January 11, 2024, depositing the $50,000 policy limit with the circuit court and asking the court to apportion the proceeds among the claimants. The trial court discharged Safeco from further liability and, after an evidentiary hearing on November 5, 2024, found that the combined damages of all four defendants exceeded the interpleaded funds. The court divided the $50,000 equally, awarding each claimant $12,500. Janae Bruce appealed.

Bruce, proceeding pro se, challenged the equal distribution on two grounds: that the distribution was against the weight of the evidence and that the trial court misapplied the law by failing to account for each claimant’s individual equitable circumstances. The Court of Appeals did not reach either argument on the merits.

The Court’s Holding

The Missouri Court of Appeals, Western District, dismissed the appeal without reaching its merits, citing two independent and fatal deficiencies. First, Bruce failed to include a transcript of the November 5, 2024 evidentiary hearing in the record on appeal as required by Rule 81.12(c). Because the court’s allocation decision depended entirely on the evidence presented at that hearing, the absence of a transcript made meaningful appellate review impossible — leaving the court unable to evaluate whether the trial court abused its discretion.

Second, the court found that Bruce’s briefing failed to substantially comply with Rule 84.04’s mandatory requirements, even after her initial brief was stricken and she was given notice of the deficiencies. Her statement of facts was incomplete, contained inaccurate record citations, and did not describe each claimant’s competing claim. Her argument section cited no locatable legal authority — the cases cited in both points on appeal could not be found by the court using either the citations or captions provided — and failed to include the required statement explaining whether and how errors were preserved for review under Rule 84.04(e).

The court declined to review the appeal ex gratia, noting that the combined gaps in the record and briefing left no basis for meaningful legal analysis. Although acknowledging Bruce’s pro se status, the court held she was subject to the same appellate standards as attorneys, as required by principles of judicial impartiality, economy, and fairness.

Key Takeaways

  • An appellant who challenges a trial court’s evidentiary ruling must include a transcript of the relevant hearing in the record on appeal; without it, the appellate court has nothing to review and dismissal is required.
  • Appellate briefing deficiencies under Rule 84.04 — including an inadequate statement of facts, non-locatable case citations, and failure to address error preservation — are each independently sufficient grounds for dismissal.
  • Pro se litigants in Missouri are held to the same appellate briefing standards as licensed attorneys; lack of legal training does not excuse non-compliance with the Rules of Appellate Procedure.
  • When an appellant has been warned of specific briefing defects and fails to cure them in an amended brief, dismissal is particularly appropriate and the court need not review the appeal ex gratia.

Why It Matters

This decision is a clear reminder that procedural compliance is a threshold requirement for appellate review, not a technicality that courts will routinely excuse. Attorneys advising clients who receive equal-share interpleader distributions — and who believe a greater share was warranted — must ensure the evidentiary record is fully preserved and transmitted on appeal. An unequal distribution argument is inherently fact-intensive, making the hearing transcript indispensable.

The opinion also underscores the limits of judicial solicitude for pro se appellants in Missouri. Even when a litigant may have a legitimate substantive grievance about how a limited insurance fund was divided among multiple injury claimants, the appellate court cannot act as an advocate to fill gaps that the appellant failed to fill. Practitioners representing clients in interpleader disputes should counsel them on these procedural requirements from the outset, particularly where appeal may be anticipated.

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