Huguenin v. Continental Casualty Co.
Huguenin v. Continental Casualty Co.
Opinion of the Court
The opinion of the Court was delivered by
William Huguenin, late of Colleton county, took out a policy of casualty insurance on 23d March, 1910, and died 23d July, 1911. In this action on the policy, brought by his wife, in her own right and as administratrix of his estate, the issues of law and fact were referred by consent to C. G. Henderson, Esq., who made a report in which he found that the only issue in the case was whether the death of Huguenin was due to casualty or to ordinary sickness. Holding that it was due to ordinary sickness and not to casualty, the referee found that under the terms of the policy the recovery should be for only forty dollars, the amount specified in the contract as indemnity for one month’s sickness, and not for four hundred dollars, the amount recoverable for a casualty producing total, con» tinuous disability after the injury. On the point that this was the sole issue there was no exception to the master’s report. The Circuit Judge, on consideration of the evidence, held that Huguenin’s death was due tO' a casualty which produced sickness up to the time of his death, and decreed that the plaintiff recover four hundred dollars.
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2 Even if the point that the policy had been forfeited by the failure to give notice of the casualty, as required by the contract, had been urged before the referee, it would not have availed the defendant. Such a forfeiture is an affirmative defense to be proved by the defendant (Thompson v. Piedmont Mutual Ins. Co., 77 S. C. 294, 57 S. E. 848; Spann v. Phoenix Ins. Co., 83 S. C. 262, 65 S. E. 232), and no evidence of the failure to give this notice was offered.
Affirmed.
Reference
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- 1. Insurance — Issues.—There being evidence in this case in support of the finding by the Circuit Court that the insured came to his death by means of a casualty which produced sickness continuing up to his death and the issue being one of fact in a law case, the judgment is not disturbed. 2. Ibid. — Pleadings.—That failure to give notice of a casualty forfeits a policy of casualty insurance is an affirmative defense and must be pleaded.