## Facts

- State Farm Mutual Automobile Insurance Company filed a federal interpleader action to resolve competing claims to insurance proceeds.
- A defendant-claimant (Nancy DeMarco) filed an answer responding to the complaint’s allegations.
- The district court, acting sua sponte, reviewed the answer for compliance with Federal Rule of Civil Procedure 8.
- The court found the answer used nonresponsive formulations (including demands for “strict proof” and statements that documents “speak for themselves”), failed to respond properly to allegations, and asserted defective “affirmative defenses.”

## Issues

1. Whether an answer satisfies Rule 8(b) when it does not clearly admit, deny, or state lack of knowledge as to each allegation.
2. Whether “strict proof is demanded” functions as a permissible denial under Rule 8(b).
3. Whether “the document speaks for itself” is a proper response to allegations referencing documents.
4. Whether asserted “affirmative defenses” comply with Rule 8(c) when they are conclusory, not truly affirmative, or inconsistent with admissions.

## Decision

- The court struck the answer in its entirety and granted leave to file an amended answer.
- The court held that Rule 8(b) requires each allegation to be met with an admission, a denial, or a statement of insufficient knowledge.
- The court held that “strict proof” demands and “speaks for itself” responses are not valid substitutes for the Rule 8(b) forms of response.
- The court held that affirmative defenses must be genuine Rule 8(c) defenses and must provide sufficient notice of their factual basis.

## Legal Principles

- Under Rule 8(b), a responding party must address each allegation by admitting it, denying it, or stating that it lacks sufficient knowledge to admit or deny.
- A response that neither admits nor denies nor invokes lack of knowledge is defective and may be stricken.
- “Strict proof” language is not a recognized form of denial under the Federal Rules and does not clarify what is contested.
- “The document speaks for itself” is not a proper Rule 8(b) response because it fails to state whether the allegation is admitted, denied, or unknown.
- Rule 8(c) affirmative defenses must assert new matter that defeats liability even if the complaint’s allegations are taken as true; conclusory labels or defenses that contradict admissions may be stricken.
- A district court may enforce Rule 8 pleading requirements sua sponte and allow repleading to cure defects.

## Conclusion

The court enforced Rule 8’s pleading requirements by striking an answer that relied on nonresponsive formulas and improperly pleaded defenses, requiring the defendant to replead with clear admissions/denials (or lack-of-knowledge statements) and properly supported affirmative defenses.


State Farm Mut. Auto. Ins. Co. v. Riley, 199 F.R.D. 276 (N.D. Ill. 2001)