American Nat. Ins. Co. v. Rains

Supreme Court of Alabama
American Nat. Ins. Co. v. Rains, 110 So. 606 (Ala. 1926)
215 Ala. 378; 1926 Ala. LEXIS 455
Gardner, Anderson, Sayre, Thomas, Miller, Bouldin, Somerville

American Nat. Ins. Co. v. Rains

Dissenting Opinion

SOMERVILLE, J.

(dissenting). I do not think that a lay witness should be allowed to testify that another person is or was in sound health or good health as a matter of actual, physical fact. Chronic and dangerous diseases of some of the vital organs may exist unsuspected, even by the patient himself, until a -fatal termination or a last fatal illness suddenly discloses their presence; and everyday observation and experience teaches us that no layman is qualified to give such art opinion, and, indeed, that no medical expert is so .qualified without a scientific and thorough examination of the subject, especially with respect to the functioning of the vital organs.

There is a substantial difference between testimony that a man is in sound health, and that he'appears to be in sound health, and I have found no judicial authority that recognizes the propriety of allowing a nonexpert witness to testify to another’s sound health as a fact.

Moreover, it did not appear that this witness, though a son of the assured, was qualified even by ordinary observation to testify as to the state of his health; for, so far as the evidence showed, he may not have so much as seen his father within 10 or 20 years before his death. It should at least be shown that a health witness is qualified by knowledge sufficient to warrant an opinion on the subject. t

GARDNER, J., concurs in these dissenting views.

Opinion of the Court

*379 SOMERVILLE, J.

The chief issue of fact ■OH' the trial of this case was whether the ■assured, under whose policy plaintiff claims as beneficiary, was in sound health at the time the policy was delivered to him — that being an express condition to the validity and operation of the policy.

On this issue the trial court did not err in allowing several lay witnesses to testify that at and about the time in question the assured appeared to be healthy, this, not being deemed the expression of an opinion, hut the statement of a fact open to ordinary observation, as held in numerous cases. National Order, etc., Templars v. Lile, 200 Ala. 508, 76 So. 450; Dominick v. Randolph, 124 Ala. 552, 553, 557, 27 So. 481; Fountain v. Brown, 38 Ala. 72; Barker v. Coleman, 35 Ala. 221; Wilkinson v. Mosley, 30 Ala. 562; Bennett v. Fail, 26 Ala. 605; Milton v. Rowland, 11 Ala. 732. Several of these cases hold that a lay witness may testify that a person observed by him was sick or diseased; the symptoms being apparent to the senses of an ordinary observer.

A son of the assured, who showed no qualifications whatever, was allowed, over apt objections, to testify that the health of the assured at' the time of the delivery of the policy “was pretty good.” A majority of the court are of the opinion that this statement was in effect the same as a statement that the health of assured seemed or appeared to he good, and must have been so understood by the jury; and hence they hold that it was not error to admit it. From that conclusion Justice GARDNER and the writer dissent.

On the issues of fact presented by the special pleas, the evidence presented jury questions, and the general aflirmátive charges, as severally requested, were properly refused.

It results that the judgment must be affirmed.

ANDERSON, O. J., and SAYRE, THOMAS, MILLER, and BOULDIN, JJ„ concur. SOMERVILLE and GARDNER, JJ., dissent.

Reference

Full Case Name
American Nat. Ins. Co. v. Rains.
Cited By
9 cases
Status
Published