Vinkelstein v. Northwestern National Insurance
Vinkelstein v. Northwestern National Insurance
Opinion of the Court
Opinion bt
This is a suit on a policy of fire insurance containing the usual clause that proofs of loss must be furnished by the insured within sixty days after the fire. A fire oc
At the trial the plaintiffs offered evidence to show that the proofs of loss were prepared March 3, 1913, were mailed at Scranton, March 4, 1913; were registered by the post office authorities; had a special delivery stamp thereon and were put on the train leaving Scranton at 1:50 p. m., March 4, 1913. The plaintiffs called a wit“ness, the assistant postmaster who testified that he had been connected with the postal department of the City of Scranton between six and seven years and that he was familiar with the usual time for the transportation of mails between different points and particularly between Scranton and Milwaukee, Wisconsin, the home office of the insurance company. From the records in the post office it was shown that this particular piece of mail matter left Scranton on the 1:50 train, March 4, 1913, and the witness testified it should have reached Chicago the next morning and Milwaukee before 3:00 p. m. of the 5th day of March, 1913. He described fully the method of handling registered special delivery mail.
The defendant called no witnesses to controvert these facts nor to show when the package was actually received by it, but offered in evidence the return register receipt showing the following “Date of delivery March 6, 1913, Northwestern National Ins. Co. per Jos. Huebl, Secy.” It would have been an easy matter to have called Jos. Huebl qs a witness or at least taken his deposition and
The question was left to the jury, which by the verdict found, must have believed the contention of-the plaintiffs that the proofs were received in time. We are of the opinion that this settles the question in favor of the plaintiffs and we need not discuss the question of waiver. The court under the evidence could not direct a verdict for the defendant nor enter judgment non obstante veredicto.
The assignments of error are overruled and the judgment affirmed.
Reference
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- Vinkelstein v. Northwestern National Insurance Co.
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- Syllabus
- Insurance — Fire insurance — Proof of loss — Time when proofs were received. In an action upon a policy of fire insurance 'it appeared that the company defended on the ground that the proofs of loss had not been received, “within sixty days after the fire” as required by the policy. The evidence showed that the proofs were mailed from Scranton to Milwaukee, the home office of the company, on March 4th, were registered by the post office authorities; had a special ■ delivery stamp thereon, and were put on a train leaving Scranton at 1:50 p. m., March 4th. The assistant postmaster of Scranton testified from his own experience and from the records of the post office that the mail on the train specified should have reached Chicago the next morning, and Milwaukee before three p. m. of March 5th. The defendant offered no evidence to controvert this testimony, but did place in evidence the return register receipt signed by the secretary of the company, and showing date of delivery March 6th. The secretary was not called. Held, that it was not error to leave the time of the delivery and receipt of the proofs of loss to the jury, and that a verdict and judgment for plaintiff should he sustained.