Paddock v. Commercial Insurance
Paddock v. Commercial Insurance
Opinion of the Court
The agreement, under which ‘these cases were taken from the jury to be submitted to the determination of the court, renders it necessary to examine with care the evidence offered by the plaintiffs to sustain their claims for a total loss. It is to be observed in the outset that the inquiry is not whether the court, acting in the place of jurors, would find a verdict in favor of the plaintiffs on this issue; but whether, if such verdict were found by a jury, the court would feel it to be their duty to set it aside, as not supported by the facts in proof.
The first and most important branch of this inquiry, on which the decision of the whole case must turn, is, whether there is any adequate and sufficient proof that the sale of the vessel was a legitimate and necessary consequence of any peril covered by the policies. The evidence on this point comes from a single witness, the master of the vessel. Leaving out of view, as immaterial to the question under consideration, the history of the voyage prior to the arrival of the vessel at Lahaina, in the Sandwich Islands, in October 1855, it appears satisfactorily by the testimony of the master and by the certificate of two shipmasters,
We come in the next place to the proceedings which took place after the arrival of the vessel at Apia. From these nothing appears to change the statement made by the master concerning the nature or extent of the leak, or to show that the vessel, for that cause or any other arising from sea peril, was in such an unseaworthy condition, or so injured, that she could not proceed on her course, and reach some port where suitable repairs could have been made to enable her to complete her voyage. It is a little remarkable that the plaintiffs should have left thsir case without a particle of evidence to prove, from an examination of the vessel at Apia, that the master erred in his opinion that there was no necessity for putting into that port, or that the crew had good reason for forcing the captain to go there in consequence of the leak, or other sea damage. They did not venture to interrogate the master on this subject. If such evidence could have been procured, it certainly is reasonable to suppose that the plaintiffs would have produced it, especially in a case
It is urged very strongly in behalf of the plaintiffs, that it appears by the testimony of the master that there were no facilities at Apia for repairing a vessel in the condition in which the Rambler was on her arrival at that port. This is true; and it is a circumstance which would be entitled to great weight in deciding the question of a constructive total loss by a necessary sale at a port of distress, if it appeared that the vessel was then innavigable and unable to proceed further without making repairs. But the evidence in the case fails to show this. The master does not testify that he could not have repaired the sea damage at Apia, nor is it shown that the vessel could not have proceeded thence, after slight and inexpensive repairs, to a port where it would have been practicable to repair her at a very moderate cost.
But there is still another difficulty. To constitute a constructive total loss, in the absence of proof of damage to the extent of half the value of the vessel, after deducting one third new for old, the plaintiffs are bound to show that the sale was made by the master, acting in good faith for the benefit of all parties interested, and under the pressure of a necessity produced by the perils against which they were insured by the policies. The defendants have a right to insist that this discretion which the tow vests in the master shall be exercised by him. No other
On looking at the testimony of the master with care, it does not appear that the sale of the vessel was made with his sanction or under his authority. On the contrary, it would seem, from his statement, that he protested against the survey and all proceedings under it to Van Camp, the American consul, who appears to have been the active agent in procuring the survey and in selling the vessel and outfits. From the time when the master was forced by his crew to put away for Apia until after his arrival there, and in the steps which led to the survey and sale of the vessel, he seems to have been under a sort of vis major, and to have exercised no active control over any of the proceedings.
From the view which we have taken of the evidence offered by the plaintiffs, these results follow:
First. There is no evidence to warrant a jury in finding that the vessel was injured by any sea peril, so as to render her in-navigable or to prevent her from proceeding on her course, and making repairs in a port to be reached in the regular prosecution of her voyage.
Secondly. It does not appear that there was any sale of the vessel by the master in consequence of sea damage in the supposed port of distress.
Thirdly. There is no evidence to show that the damage to the vessel was such that she could not have been repaired for less than half her value after deducting one third new for old.
Fourthly. Therefore the plaintiffs would not be entitled to hold a verdict for a constructive total loss of the ship.
It was suggested, though not strenuously urged, by the counsel for the plaintiffs, that they might recover for an actual total loss by reason of the destruction of the ship by the storm in the harbor of Apia, after the sale by auction and the discharge of her cargo. But the answer to this claim of the plaintiffs is obvious and decisive. The vessel at the time of the loss was
The claim for a loss of the outfits is substantially disposed of by the view which we have taken of the evidence offered to show a constructive loss of the vessel. The plaintiffs having failed to prove any sale of the vessel by the master, or any injury by sea damage to justify such sale, cannot recover for the outfits which were sold with the vessel. Nor can they recover for those which had been converted into catchings, and which were afterwards transshipped and subsequently taken and sold by the consul. There is no evidence that there was any necessity for the taking out of the cargo. For aught that appears, the vessel might have been made seaworthy, or at least capable of proceeding on her voyage so as to reach a port where repairs could be made, without transshipment of the cargo. The case therefore comes within the well settled principle, that, if a cargo is insured by a particular vessel, and transferred unnecessarily to another, the risk is thereby changed, and the insurers discharged. 1 Phil. Ins. § 983. Oliverson v. Brightman, 8 Ad. & El. N. S. 781. Bold v. Rotheram, Ib. 797. But a more conclusive answer to this part of the plaintiffs’ claim is, that the oil was not lost by a peril insured against. The seizure and sale of the cargo by the consul does not come within any of the risks
The result to which we have arrived on the whole case is, that the plaintiffs are not entitled to recover for a total loss of the ship and outfits; and that they do not show any loss of that part of the outfits which had been converted into catchings, which can be recovered in these actions.
Judgment for a partial loss only.
Case-law data current through December 31, 2025. Source: CourtListener bulk data.