Lesser v. New York Life Insurance
Lesser v. New York Life Insurance
Opinion of the Court
The plaintiff sued the defendant to recover on a certain insurance policy. The jury returned a verdict in favor of the plaintiff, and from a judgment entered thereon the defendant has appealed.
After the discovery of the personal' effects in the bathroom much publicity was given in the newspapers regarding the disappearance of the insured. Although the bodies of drowned persons are generally drifted to the shore, no body came ashore that was identified as being the body of the insured.
The foregoing facts stand in the record without conflict, although there are some other matters in the record concerning which there is conflicting testimony. The principal question presented by the briefs is as to the sufficiency of the foregoing evidence to support the judgment.
It is statutory in California that a person not heard from in seven years is presumed to be dead. (Code Civ. Proc., sec. 1963, subd. 26.) Neither of the parties to this case contend that the rule so stated is exclusive. However, the appellant claims that he who would bring his case within a *239 shorter period must produce evidence to the effect that the alleged decedent came in contact with “some specific peril to his life.” The respondent, on the other hand, claims that the true rule is contained in the leading case, Tisdale v. Connecticut Mut. Life Ins. Co., 26 Iowa, 170, [96 Am. Dec. 136, 138], where the supreme court of Iowa states the rule otherwise, and illustrates the reason for the rule as follows: “An honored and upright citizen, who, through a long life, has enjoyed the fullest confidence of all who knew him,—prosperous in business and successful in the accumulation of wealth; rich in the affection of wife and children, and attached to their society; contented in the enjoyment of his possessions, fond of the associations of his friends, and having that love of country which all good men possess, with no habits or affections contrary to these traits of character,;—journeys from his home to a distant city and is. never afterward heard of. Must seven years pass, or must it be shown that he was last seen or heard of in peril, before his death can be presumed? No greater wrong could be done to the character of the man than to account for his absence, even after the lapse of a few short months, upon the ground of a wanton abandonment of his family and friends. He could have lived a good and useful life to but little purpose if those who knew him could even entertain such a suspicion. The reasons that the evidence above mentioned raises a presumption of death are obvious; absence from any other cause, being without motive and inconsistent with the very nature of the person, is improbable.” To the same effect are Cox v. Ellsworth, 18 Neb. 664, [53 Am. Rep. 827, 26 N. W. 460]; Boyd v. New England M. L. Ins. Co., 34 La. Ann. 848; Northwestern Mut. Life Ins. Co. v. Stevens, 71 Fed. 258, 261, 262, [18 C. C. A. 107]; Lancaster v. Washington Life Ins. Co. of N. Y., 62 Mo. 121; Coe v. National Council K. & L. of S., 96 Neb. 130, [Ann. Cas. 1916B, 65, L. R. A. 1915B, 744, 147 N. W. 112]; Harvey v. Fidelity & Casualty Co., 200 Fed. 925, [119 C. C. A. 221]; Fidelity Mut. Life Assn. v. Mettler, 185 U. S. 308, 319, [46 L. Ed. 922, 22 Sup. Ct. Rep. 662, see, also, Rose’s U. S. Notes]; Rogers v. Manhattan Life Ins. Co., 138 Cal. 285, [71 Pac. 348]; Western Grain etc. Co. v. Pillsbury, 173 Cal. 135, [159 Pac. 423]. As stated in the Tisdale case, the facts there enumerated *240 tend to show the probability of death, however, if the person at the‘time he was last seen was a fugitive from justice, was a bankrupt, or from other causes it would be improbable that he would be heard from even though alive, then no inference of death will be drawn. Such was the conclusion of the court in Ashbury v. Sanders, 8 Cal. 62, [68 Am. Dec. 300]; Nelson v. Masonic Mut. Life Assn., 57 App. Div. 214, [68 N. Y. Supp. 290]; Groff v. Groff, 36 App. D. C. 560; Travelers’ Ins. Co. v. Sheppard, 85 Ga. 751, [12 S. E. 18, 39]; Garden et al. v. Garden’s Executrix, 2 Houst. (Del.) 574, 579; Modern Woodmen v. Ghromley, 41 Okl. 532, [Ann. Cas. 1915C, 1063, L. R. A. 1915B, 728, 139 Pac. 306]. The very nature of such cases is to the effect that the weight of the evidence is a question for the jury. (Succession of Vogel, 16 La. Ann. 139, 140, [79 Am. Dec. 571]; Smith v. Knowlton, 11 N. H. 191, 197); And the Tisdale case, supra, was reversed because the trial court gave an instruction which determined the weight of the evidence which was the peculiar province of the jury (96 Am. Dec. 136, 139). It has been expressly ruled in cases where the evidence was not as strong as in this case that there was sufficient evidence to take the case to the jury and that it could not be said, as a matter of law, that there was no evidence of death (Cox v. Ellsworth, supra; Lancaster v. Washington Life Ins. Co. of N. Y., supra; Coe v. National Council K. & L. of S., supra; Rogers v. Manhattan Life Ins. Co., supra; Western Grain etc. Co. v. Pillsbury, 173 Cal. 135, 138-140, [159 Pac. 423].) If, after the plaintiff had introduced the evidence above recited, the defendant had been able to show that the missing husband had been seen after the supposed date of death, such fact would have been admissible as rebutting the plaintiff’s case. (Springmeyer v. Sovereign Camp W. of W., 144 Mo. App. 483, [129 S. W. 273, 277].) However, in this case, no such claim is made.
Many exceptions by the appellant as to the admission of evidence are contained in the record; but- all of the objections are disposed of by what we have just said to the effect that it is competent to prove by circumstantial evidence the fact and exact date of death. The jury having found for the plaintiff on the evidence which she introduced that her husband was dead, it had the right to find, and did find by its general verdict, that the husband died November *241 2d, the day on which he was last seen. (Harvey v. Fidelity & Casualty Co., 200 Fed. 925, 928, [119 C. C. A. 221].)
The ruling, regarding the admissibility of evidence in such cases, also disposes of the contention of the appellant that the plaintiff did not submit proofs of loss. The appellant admits that she submitted numerous affidavits, but the contention of the appellant is that the affidavits contain ex parte statements of only such facts as she developed at the trial and that such facts did not prove, nor tend to prove, the death of the plaintiff’s husband. However, we have ruled against the appellant as to the probative effect of the facts proved by the plaintiff and it follows that her proofs of loss were sufficient. In other words, she was entitled to make her showing to the defendant by affidavits setting forth the same facts which later she showed to the trial court.
No error has been called to our attention. The judgment is affirmed.
Nourse, J., and Langdon, P. J., concurred.
A petition to have the cause heard in the supreme court, after judgment in the district court of appeal, was denied by the supreme court on August 15, 1921.
All the Justices concurred except Angellotti, C. J., and Wilbur, J., who were absent.
Reference
- Full Case Name
- ALICE LESSER, Respondent, v. NEW YORK LIFE INSURANCE COMPANY (A Corporation), Appellant
- Cited By
- 17 cases
- Status
- Published