Mellon v. Louisiana State Insurance Co.
Mellon v. Louisiana State Insurance Co.
Opinion of the Court
delivered the opinion of the court. This is an action on a policy of insurance, in which the plaintiff alleges a loss of the merchandise insured, and abandonment made to the owners; and claims indemnity as for a total loss. The case was submitted to a jury in the court below, and comes up on a bill of exceptions taken by the counsel for the defendants, (who are here appellants) to a charge of the judge a quo, to the jury in the course of the trial. This charge, as it appears in the record, was expressed in the following terms:—"The judge charged the jury, that even if the jury was of opinion, there was no abandonment in August, 1825; yet if the jury were satisfied that no damage had occurred by the failure of the assured to abandon, within a reasonable time, such delay did not impair in any manner the rights of the assured. The counsel for the defendants objected to said charge, and prayed the court to charge the jury that the abandonment, in all cases wherein, any part of the thing insured is saved, or any rights or claims exist in relation to the pro
We are of opinion, that this charge is erroneous. In cases of insurance, where a part of the property insured is saved, but the loss on the whole is so considerable as to authorise the owners to treat it as total; such totality of loss, and consequent right in favour of the assured to recover full indemnity, can be effected only by abandonment on their part of all rights and claims to the underwriters, of any portion which may be saved. In the present case, the evidence shews that the goods insured were sold in Savannah, a port which the vessel was forced, by stress of weather, to put into; and was there found to be incapable of prosecuting her intended voyage, and no other conveyance being found for them to their place of destination, the commercial adventure of the assured was entirely frustrated, and perhaps, he had a right to abandon to the defendants, and claim indemnity as for a total loss: but without abandonment, which was necessary to vest rights in the insurers, such claim cannot be justified; for it would be most clearly unjust to suffer him to retain his right to the
Reference
- Full Case Name
- MELLON v. LOUISIANA STATE INSURANCE COMPANY
- Status
- Published