Hogg v. Mutual Life Ins. Co. of N.Y.
Hogg v. Mutual Life Ins. Co. of N.Y.
Opinion of the Court
The opinion pf the Court was delivered by
One James Velpo Hogg had two policies of life insurance with the defendant company. The assured was killed by violence. His wife, who was the beneficiary, sued on the policies and got judgment.
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The policies were issued May 23, 1912. The assured was killed in September, 1913. The assured promised in his application for insurance that “during'the period of one year following the date of issue of the policy of insurance * * * I will not engage in * * * retailing intoxicating ■liquors.” The assured also stated in his application for insurance, “my present occupation is merchant, * * * general merchandise, * * * farming.” The defendant averred a breach of this promise and this statement; and the defendant claims the only reasonable inference to be drawn from the testimony is that the averments .were proven to be true. The defendant pleaded also a further defense, to wit, that the assured “came to his death while engaged in and as a consequence of a violation of law.” And the defendant .claims here that the proof shows that and none other. There are no words of agreement in the application or in the policies that the policies should be avoided in the event the assured should meet his death while engaged in the violation of law. The argument is that, if death resulted proximately from the selling of intoxicating liquor, then the promise was breached, and no recovery may be had. So at last recourse must be had to the testimony to decide the issues made.
The judgment of that Court is affirmed.
Footnote.- — A’s to Jamaica ginger or the like as intoxicating liquor, see note in 40 A. & E. Ann. Cas. 1916b, 370.
Footnote. — As to who is engaged in the liquor business within the meaning of an insurance contract, see note in 45 L. R. A. (N. S.) 1144; as to the scope and effect of provisions in policies forbidding the use of intoxicating liquors, see notes in 16 L. R. A. (N. S.) 206-212, 25 Ih. 1241; engaging in prohibited occupation as voiding life insurance policy where death does not result from such occupation, see notes in 25 A. & E. Ann Cas. 1912d, 491.
Concurring Opinion
concurring in the result. The questions made by the exceptions relate solely to the sufficiency of the evidence to support the plaintiff’s cause of action. Rule 77 of the Circuit Court provides in part that: “The point that there is no evidence to support an alleged cause of action shall be first made either by a motion for nonsuit or a motion to direct the verdict.”
The record fails to show that any motion was made for nonsuit or direction of the verdict. It shows that the grounds taken were made for the first time on a motion for *488 a new trial. Therefore these grounds are not properly before this Court, and should not be considered. Sawyer v. Marion County Lumber Co., 83 S. C. 271, 65 S. E. 225; Guess v. Railroad Co., 88 S. C. 87, 70 S. E. 427; Wyatt v. Cely, 86 S. C. 539, 68 S. E. 657. For this reason, I concur in affirming the judgment.
Reference
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- Hogg v. Mutual Life Ins. Co. of N. Y.
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- Syllabus
- 1. Appeal and Error — Review -— Verdict Against Weight of Evidence. — An exception that the • verdict was against the manifest weight of the testimony presents no question for review. 2. Under Circuit Court rule 77 the point that there is no evidence to support a cause of action must first be made by moving for a non-suit or directed verdict (per Messrs. Justices Hydricic and Fraser). 3. Insurance- — -Evidence-—-Sufficiency—Cause of Death. — The verdict that assured was not killed while violating the law held sustained by the evidence. 4. Insurance — Actions—Question for Jury- — Forfeiture of Policy.— A verdict that assured did not breach the policy by selling intoxicating liquors held sustained by the evidence, where there was no proof that Jamaica ginger sold by him was intoxicating.