Aetna Insurance Company v. Hensley

Opinion of the Court by

Commissioner — Reversing.

The Aetna Insurance Company prosecutes this appeal from a judgment for $1,000.00, recovered against it by W. S. Hensley. This case has been here before, and the facts are very we'll stated in the former opinion, which will be found in 215 Ky. 45, 284 S. W. 425. See 206 Ky. 202, 266 S. W. 1074, for an opinion in a kindred case. In its answer, the Aetna Insurance Company, among other defenses, pleaded this provision of the policy:

“Unless otherwise provided by agreement in writing added hereto, this company shall not be liable for loss., or- damage occurring while the insured shall have any other contract of insurance, whether valid or not, on property covered in whole or in part in this policy.”

It is alleged that, at the time the policy sued on was issued, the plaintiff then had.$2,000.00 insurance on the property described in the Globe & Rutgers Eire Insurance Company,' of which it had no notice. This was a complete defense, and to it Hensley filed no affirmative plea. The first paragraph of his reply to this answer is a traverse. His next reference to this defense is in paragraph 3 of his reply, but that contained no plea in avoidance of the appellant’s defenses, and the demurrer of the insurance company to this reply was improperly overruled.

“Proof not supported by pleading is just as unavailable as pleading not supported by proof.” Insurance Co. of North America v. Gore, 215 Ky. 487, 284 S. W. 1107.

In this state of the. pleading, evidence offered by Hensley, tending to show the Aetna Insurance ‘Company *819 had waived this provision of the contract, should not have been admitted, and, with that evidence out, there is nothing to support the verdict, and instruction for the defendant would have been proper.

The judgment is reversed.

The whole court sitting.