Moore v. Everitt
Moore v. Everitt
Opinion of the Court
Opinion by
This is an action by a receiver of an insolvent Mutual Fire . Insurance Company to recover an assessment directed to be levied by the court of common pleas of Dauphin county. At the foundation of the action lies the plaintiff’s obligation to prove that the defendant was the holder of a policy in the company, liable for the assessment. The court below directed a verdict for the defendant, on the ground that the plaintiff had failed to fulfil this obligation. If the rulings excluding evidence were correct, no error was committed in directing a verdict. The plaintiff opened his case by calling the defendant as for cross-examination. The latter admitted that he made application for insurance in the now insolvent company, on April 22,1890. He denied explicitly that a policy of insurance was issued to him ; that he ever received, a policy of insurance ; that any one ever got one for him; and that he ever saw a policy issued in his name or issued to cover his property.
The first assignment of error is to the refusal of the court to permit the introduction of proof contained in a long offer involving many facts. While the offer as a whole was rejected, yet the trial judge stated that the plaintiff would be allowed to prove the alleged contract with the defendant and matters material to it, and postponed his rulings upon the several items contained in the offer until they should severally be presented. Without going into detail we think the rights of the plaintiff were not infringed upon by this ruling. The second assignment is based upon the refusal of the court to permit the plaintiff to ask a witness whether an application for insurance had been received from the defendant in the year 1890. - No
. The plaintiff then offered his statement of claim in evidence to prove that the fact of issuance of the policy to the defendant therein asserted, was not denied by affidavit and was therefore admitted. This was rejected for the purpose suggested. The trial was had upon an amended statement of claim. To the first statement an affidavit of defense had been filed, somewhat in the nature of a demurrer. On this a rule for judgment was taken. The rule was discharged. A plea of non assumpsit was entered. The case was several times upon the trial list. The plaintiff then filed an amended statement. The court below refused to compel the defendant to file a second affidavit. The plaintiff then went to trial on the amended statement and plea. As the record shows, he knew that he would be required to prove his case as pleaded. The affidavit filed to the first statement could not be held to be an admission of facts subsequently set forth in the amended statement. We dismiss the tenth assignment.
The eleventh assignment is to the refusal of the court to permit the introduction in evidence of the record of the Dauphin county court directing an assessment to be made upon the holders of assessable policies. In the absence of proof that the defendant was the holder of such a policy, the introduction of the record could fix upon him no liability. Therefore, the rejection of the record was right, as was also, for the same reason, the rejection of the offer (twelfth assignment) to prove the assessment made by the receiver. The court directed a verdict for the defendant. This is complained of in the thirteenth assignment. The evidence admitted, being insufficient to support a verdict for the plaintiff, no other instruction by the trial court could be sustained.
The judgment is affirmed.
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- Insurance — Mutual insurance — Lost policy — Evidence. In an action by a receiver of a mutual insurance company to recover an assessment levied on a policy which the plaintiff alleged to be lost, the refusal of the court to permit plaintiff to ask a witness whether an application for insurance had been received from the defendant, is harmless error, if error at all, where the record shows that the defendant had already admitted that he liad made such an application. In an action to recover an assessment on a policy of mutual insurance where it appears that the original policy upon which the suit was based, was not to be offered, but that proof of the loss of the policy, and of its contents was to be made, it is not reversible error prior to such proof, to rule out a question to the plaintiff’s clerk whether pursuant to an application the company had issued a policy to the defendants. In such a case where the plaintiff’s clerk testified that she had in her own writing a copy of the written portion of the poney alleged to have been issued to the defendant, she cannot be asked to give the source from which she derived the information embodied in the written portion of the policy which she alleged that she had in copy; nor in such a case where the clerk has testified that the copy of the written portion of the alleged policy was in fact a part of the daily reports furnished by her as clerk, can the daily reports themselves be offered in evidence, since they do not purport to contain a full copy of the alleged policy; nor in such a case can the clerk be asked to state whether a policy “No. 1230 ” was mailed to the defendant, if the question is accompanied by no proof that, if such a policy was mailed, it contained the terms set out in the copy of the policy attached to the statement of claim, upon which the suit was brought, or that it contained a clause imposing liability upon the defendant for the assessment as claimed; nor in such a case can the clerk be permitted to testify that assessments had been paid by the defendant, or on his behalf, on “Policy No. 1230.” In an action to recover an assessment on a policy of mutual insurance alleged to have been lost, an offer to prove the contents of the paper alleged to have been lost is properly overruled, where there is no absolute assertion in the evidence that the policy had been lost, or under what circumstances, and where a witness testifies as to an alleged search made the day previous to the trial in the offices of the plaintiff company but the witness is unable to tell how protracted or thorough a search was made, or whether it was in the morning of the day before, nor is any officer of the company called to prove loss or search in connection with the policy. Practice — Affidavit of defense — Amended, statement— Pleading — Evidenced Where the plaintiff has filed an amended statement, and the court has refused to compel the defendant to file a second affidavit of defense, the affidavit of defense filed to the first statement cannot be held to be an admission of facts subsequently set forth in the amended statement. Insurance — Mutual insurance — Assessments. In an action by the receiver of a mutual insurance company to recover assessments, where there is no proof that the defendant was the holder of the policy referred to in the statement, it is proper for the court to refuse to permit the introduction in evidence of the record of the Dauphin county court directing an assessment to be made, and also to refuse an offer to prove that assessments had been made by the receiver.