Fisk v. Commercial Insurance
Fisk v. Commercial Insurance
Opinion of the Court
delivered the opinion of the court.
This is an action on two policies of insurance executed by defendants on the brig Mary Ann and her cargo. The petition alleges that the said vessel being in every respect seaworthy departed from New Orleans on the 8th of May, 1838, bound to Savannah and loaded with a cargo of produce, consisting of corn,flour and bacon; that in the progress of the voyage the ship and cargo suffered damage by reason of the perils insured against, to wit: the perils of the sea; the said vessel having been driven out of her course by violent winds and currents, and having struck the bottom on the Bahama Banks, which caused her to leak very badly and injured her cargo; that not
The answer admits the execution of the policies, but avers that the brig Mary Ann was not seaworthy when she left New Orleans ; but that she was unsound and that the losses sustained were not caused by the perils insured against.
There was judgment below for the plaintiff and the defendant appealed.
Two statements annexed to the petition exhibit the separate amounts of the loss on the cargo and of the repairs made to the vessel by order of the surveyors at Savannah. As to the claim for loss on the cargo there seems to be little or no dispute ; but it is contended in relation to the repairs that they were not all rendered necessary by the perils insured against, but from natural wear and tear. The evidence shows that this vessel though old was sound and seaworthy when she sailed from New Orleans ; that she encountered at sea some stress of weather which began to make her leak, but that having afterwards grounded and struck violently several times on the Bahama Banks, it became difficult to keep her free ; that on being hauled up for examination at Savannah, her waist planks were found to be rotten and worm-eaten, a large piece of her keel knocked off, her rudder broken, the butts started, &c. As to what repairs had become necessary from wear and tear, and what were directly occasioned by the accident, the testimony is somewhat variant. One witness, who had acted as a surveyor, declares that the only rotten and decayed parts of the brig were her waist planks, that in other respects she was found staunch and sound ; and that all the repairs done to her were necessary from the injuries received at sea, except as relates to her waist
The judgment of the Commercial Court is therefore affirmed with costs. ’
Reference
- Full Case Name
- FISK v. COMMERCIAL INSURANCE COMPANY
- Status
- Published