Mutual Sav. Life Ins. Co. v. Osborne
Mutual Sav. Life Ins. Co. v. Osborne
Opinion of the Court
On Rehearing.
Appellant’s able counsel is in error in stating that there was no submission on appellee’s motion to dismiss the appeal.
True, appellee’s counsel did not appear at the bar of our Court at the time of the submission. But their motion was regularly filed, notice duly given to appellant’s counsel, and a request left with the Clerk of this Court to submit same at the time the appeal was “called,” from our docket. The Clerk did so. And the record before us bears the endorsement: “Argued and submitted, on motion and merits.”
Not only so, but, as stated in our original opinion, appellee’s counsel filed here an able brief in support of their said motion.
We are not unaware of the force of the argument by distinguished counsel here representing appellant, to the effect that appellee has waived his right to insist upon his motion to dismiss the appeal.
It is of course the law that if an appellee voluntarily makes here a general appearance and resists, and contests upon the merits, the appeal, he waives any lack of notice served rtpon him under the provisions of Code 1923, Sec. 6140, Code 1940, Tit. 7, § 801.
But we are unwilling to hold that an appellee making, having submitted, and insisting upon, a motion to dismiss the appeal is thereby debarred from filing at the same time a brief upon the merits of the appeal — to be, in the very nature of things considered only in the event his motion should be first overruled — lest it be said of him that he thereby waived his said motion. We.do not think the authorities cited in appellant’s brief hold to such an effect.
And unless the mere filing of the brief as aforesaid by appellee’s counsel operated to waive — in the face of their strenuous insistence upon same — appellee’s motion, it is due to be granted, as we have before held. We stand upon that conclusion.
We might go on to say, however, that we have carefully examined the briefs filed here treating the merits of the appeal. And we do not think the judgment appealed from should be reversed, in any event.
The 'suit was by appellee (plaintiff) against appellant (defendant) and was ex delicto grounded in the fraud and deceit (claimed) of defendant practiced upon plaintiff whereby the latter was induced to *402 surrender and release a valuable cause of action then accrued on an insurance policy under which plaintiff was the named beneficiary. The value of the policy and right of action thereunder (claimed) was $1,000 and the consideration for the release the sum of $287 paid by defendant in liquidation of a funeral bill incurred by beneficiary (plaintiff). Plaintiff claimed the difference between these two sums.
The evidence showed, or tended to show, that defendant company took an application for a policy insuring the life of one Calvin Osborne on October 13, 1937, .that Calvin Osborne gave defendant’s agent a dollar bill on that occasion; that thereafter on October 25, 1937, a policy was issued pursuant to. said application insuring the life of “Calvin Orbonee,” and naming “John Orbonee” as beneficiary. The face value of said policy was $500, and the policy contained the usual double indemnity clause for accidental death. Neither the policy nor application contained any provision for the payment of an initial premium, nor did either contain the usual provision to the effect that the policy would not be in force until the payment of a fixed initial premium. The weekly premium was fixed at thirty cents (.30^) and provided that “in consideration of the payment of the weekly premium mentioned herein, on or before each Monday during a period of whole life, or until the death of the persons named in schedule,” etc., that defendant thereby insured the life of said “Calvin Orbonee.” Another condition of the policy provided that “each payment is due and payable at the Home Office of the Company in advance.” This policy was forwarded to the branch office maintained by defendant’s agent at Huntsville, Alabama. On the following Saturday night, October 30, 1937, or Sunday morning, October 31, Calvin Osborne met an accidental death within the meaning of the policy. On the following Wednesday defendant’s agent, who had taken the application, sent word to plaintiff to come to his office and assisted him in executing a death claim, telling plaintiff, “if this policy hadn’t come in before the death of your son I couldn’t deliver it.” Several weeks thereafter one Vickrey, a claim agent of defendant company, contacted plaintiff and stated to plaintiff that defendant could not pay the claim as “the policy had not been delivered and was not in force and effect.” Considerable conversation ensued and defendant’s agent proposed that his company would pay the undertaker’s bill if plaintiff would sign a release of all rights under the policy. This plaintiff did. The undertaker was paid the sum of.$175 by the defendant company on the condition that undertaker give a receipt in full for the funeral bill of $287 which beneficiary had incurred in connec-' tion with the burial of insured.
The evidence showed that D. W. Osborne, the plaintiff, was the father of Calvin Osborne; the application introduced in evidence showed that the application for the policy involved in this lawsuit was made out in the name of Calvin Osborne, although the policy was issued naming “Calvin Orbonee” as insured. The policy, although naming “John Orbonee” as beneficiary, set forth the relationship to insured as “father.” There were other facts tending to show beyond doubt that the real insured person was Calvin Osborne, and that the owner of the policy upon the death of Calvin Osborne, and the beneficiary under said policy, was D. W. Osborne, the plaintiff. The plaintiff framed a count of his complaint to cover the misnomer arising in connection with the policy.
The jury returned a verdict for the defendant, whereupon plaintiff duly filed a motion for a new trial. This motion was granted on September 7, 1939, and from this judgment defendant appeals.
There seems not so much more needed to be said by us. The suit, as appears, is one based upon the well recognized principle of law that one induced by fraudulent representations to enter into a contract has an election of remedies. He may rescind and restore the benefits obtained under such voidable contract, or he may affirm the voidable contract, retain the benefits thereof, and seek damages in an action ex delicto for injury sustained by reason of such fraud and deceit. Fairbanks, Morse and Co. v. Dees, 220 Ala. 41, 126 So. 624. Here, this latter alternative has been adopted by appellee.
His complaint was framed under the provisions of Code 1923, Sec. 8049, Code 1940, Tit. 7, § 108, under which a misrepresentation of material facts, made to induce action and which does induce action, even though innocently made, affords a basis not only for rescission of a contract so induced but likewise for an action of deceit.
*403 That Code, Section 8049, had this meaning was clearly established in the case of Cartwright v. Braly, 218 Ala. 49, 117 So. 477, in the opinion in which earlier cases holding that this section authorized rescis_ sion, but not an action for deceit, where the representations were innocently made, were expressly overruled.
A number of written charges were given to the jury at appellant’s request, notably charges numbered 15, 16, 17 and A, which were not in harmony with the law as contained in the just next preceding two paragraphs. And the erroneous giving of these several written charges to the jury was sufficient basis upon which to set aside the verdict of the jury and the judgment rendered thereon in appellant’s favor, and to grant a new trial of the cause.
In addition, we might observe that the evidence was conflicting upon the material issues in the case. There was evidence supporting appellee’s theory — which theory was sound in the law. There was evidence opposed.
The learned trial judge saw and heard the witnesses. He had a marked and well recognized advantage over us. He concluded that appellee’s motion — one ground of which was that the verdict was against the great weight of the evidence— to set aside the said verdict should be granted. We see no sufficient reason for our interfering with his action.
The application for rehearing is overruled.
Application for rehearing overruled.
After Remandment.
PER CURIAM.
Our opinion written upon the occasion of our entering judgment dismissing the appeal in this case was framed in the full knowledge that it lay within the province of the Supreme Court to differ with us as to the law appertaining. And that what should be so said and held by that Court would become the law by which we should be governed. Code 1940, Title 13, § 95.
For that reason, and, as we thought, to save time and delay, we went on to express, ■ in our opinion upon original submission of this cause, our views as to the merits of the appeal — to so denominate the exceptions made the subject of appellant’s assignments of error which it,, argued here for á reversal of the judgment appealed from.
But our Supreme Court did not notice,, on certiorari, what we had said as to the said merits of the appeal.
We now reiterate and repeat our said views. And order the judgment affirmed.
Affirmed.
Addendum
For that reason, and, as we thought, to save time and delay, we went on to express, in our opinion upon original submission of this cause, our views as to the merits of the appeal — to so denominate the exceptions made the subject of appellant's assignments of error which it argued here for a reversal of the judgment appealed from.
But our Supreme Court did not notice, on certiorari, what we had said as to the said merits of the appeal.
We now reiterate and repeat our said views. And order the judgment affirmed.
Affirmed.
Reference
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- Mutual Sav. Life Ins. Co. v. Osborne.
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