Hanover Fire Insurance v. B. C. Lewis & Sons
Hanover Fire Insurance v. B. C. Lewis & Sons
Opinion of the Court
The Chief-Justice delivered the opinion of the court:
The defendants in error, B. C. Lewis & Sons, commenced an action in the Circuit Court of Leon county against the plaintiff in error, The Hanover Pire Insurance Company, on a policy of insurance. The language of this policy, so far as it is essential to a decision of this case, is as follows: “$5,000. Underwriters’ Policy. Ho. 20,195. By this Policy of Insui’ance The Germania Fire Insurance Company and the The Hanover Fire Insurance Company, each of the City of Hew York, each acting and contracting for itself, and not one for the other, in consideration of one-half part of the sum of one hundred dollars to each of them paid by the assured hereinafter named, do each insure B
The defendant then, upon cross-examination, asked the-said witness what was the writing that he or the firm of B. C. Lewis & Sons had put in the said blank forms ? but to the said question the attorney for the plaintiffs objected and the said court did deliver its opinion and decide to exclude the said question and it was thereupon excluded. To which ruling of the court defendant excepted. This was all the evidence. The defendánt corpóration demurred to-the evidence—the plaintiffs joined therein and the jury were discharged. The Judge found the issues in favor of the plaintiffs, assessed the damages and rendered a judgment against the defendant corporation. The issues which were presented by the pleas of the defendant corporation, excepting the affirmative pleas, which are not involved here, the defendants having introduced no evidence to sustain them, are in effect the general issue, and that the plaintiffs had not given notice of loss in accordance with the requirements ©f the policy of insurance sued on. Under the rule applicable to demurrers to evidence which admits the truth of the testimony demurred to, and every reasonable inference that may be deduced therefrom, we are of the opinion that the court below was correct in determining those issues in favor of the plaintiffs. The court, however, went further and asssessed
With regard to the proofs of loss which plaintiffs claimed were in the possession of the defendant corporation, we think that a notice should be served on the defendant to produce them, and if it fails to do so that secondary evidence of their contents may be introduced. Greenleaf’s Evidence, 560; McFadden vs. Kingsbury, 11 Wendell, 667; Fairbault vs. Ely, 2 Dev. Rep., 67, 68.
In the absence of such notice to produce, secondary evidence of the contents is inadmissible.
Judgment reversed and a venire de novo awarded.
Reference
- Full Case Name
- Hanover Fire Insurance Company, in Error v. B. C. Lewis & Sons, in Error
- Cited By
- 7 cases
- Status
- Published
- Syllabus
- 1. A demurrer to evidence admits tbe truth of the testimony demurred to and all reasonable inferences that may be drawn from that testimony. 2. When a demurrer to evidence is overruled by the Judge, he cannot assess the damages that plaintiff has incurred. In such a case the Judge, before discharging the jury, should require them to assess the damages conditionally, or if he discharges the original jury he should, upon overruling the demurrer to evidence, call another jury to assess the damages. 3. When this court holds that the issues were properly found on a demurrer to evidence in favor of the plaintiff, but the judgment of the court below is reversed on the ground ■ that the presiding Judge had no authority to assess the damages, the cause will, in the absence of other controlling reasons, be sent back with an affirmance of the findings of the Judge, and instructions to call a jury to assess the plaintiff’s damage, or it may, if the judgment on the demurrer in the court below is in favor of the defendants, and it is apparent from the record that the plaintiff had not disclosed the whole merits of his case, set aside the ruling of the Judge below and award a venire de novo. 4. When there is judgment in the court below in favor of plaintiff and judgment is reversed on the ground that the Judge had no authority to assess the damages, and it is apparent from the record that the defendant did not disclose the matters constituting his defense, because the plaintiff had omitted to introduce any evidence by which the jury could assess the damage the plaintiff had sustained, this court in reversing the case will award a verme de novo. 5. A policy of insurance against loss by fire which provides, that such loss shall be estimated according to the actual cash value of the property at the time of the loss not exceeding the sum insured, leaves the question of value open, and before a recovery thereon can be had for other than nominal damages, proof of the actual cash value of such property at the time of the loss must be produced to the jury. 6. Where the assured party has made written proofs of loss as required by the policy, and delivered such proofs to the insurer, secondary evidence of their contents cannot be introduced by the assured unless he has given notice to the insurer to produce such proofs and he has failed to do so.