De Garcia v. Cherokee Life Ins. Co. of Rome
De Garcia v. Cherokee Life Ins. Co. of Rome
Opinion of the Court
This is a suit instituted by appellant against appellee for the recovery of a judgment for $3,000, and interest, besides 12 per cent, damages and $500 as attorney’s fees on a certain life and accident insurance policy executed by the appellee on the life of Emanuel Garcia, a son of appellant. In the policy sued on appellant was named as the sole beneficiary. The policy was for the sum of $1,500 in case of death from natural causes, and for an additional $1,500 in case of death from an accidental cause.
Appellee answered by a general demurrer, a general denial, and defended on the ground that the insured had committed suicide during the first year of the existence of the policy, and that the amount payable to appellant should therefore only be- the reserve on the policy, which is alleged to be $6.11. Ap-pellee also offered to pay, in addition to the $0.11, $52.14, the amount of premium paid on said policy with interest.
The cause was tried by jury; the only issue submitted being whether or not Emanuel Garcia had committed suicide. The verdict of the jury was in favor of appellee, and judgment was accordingly rendered thereon.
“That defendant does not and has not willfully refused to pay the amount due to plaintiff on said policy of insurance, but has always been ready and willing to pay the amount so actually due, which is as hereinbefore stated, and was not bound to pay to plaintiff any greater amount upon such policy when demanded by plaintiff, for the reason that the officer appointed by law to investigate violent killings, and who did, in fact, investigate the death of Emanuel Garcia, found the fact to be that he died from a gunshot wound inflicted by him, with the intention of taking his own life. And the officers of the defendant could not, in the exercise of their reasonable discretion and in justice to their policy holders, pay plaintiff’s claim, in the face of such findings.”
That portion of the answer was specially demurred to by appellant, and the overruling of that special exception is the subject of the first assignment of error. We are of the opinion that the court erred in overruling the exception. The answer presented no defense whatever to the suit of appellant. The finding of the coroner as to the insured’s having committed suicide was not admissible in evidence, and, of course, was not admissible in the pleadings. The finding of the justice of the peace that insured committed suicide did not prove that fact. The presumption of the law is that no man kills himself, and evidence tending to show, not what some one else thought about the matter, but that the suicide was actually committed, must be adduced in order to successfully defend on that ground. It is well settled in Texas that a coroner’s verdict is not admissible as evidence, and this is admitted upon the part of appellee. Boehme v. Sovereign Gamp, W. O. W., 98 Tex. 376, 84 S. W. 422, 4 Ann. Cas. 1019. If appellee had no authority to refuse payment of the amount of the policy, then the finding of a coroner could be no justification for refusal to pay the same.
The matters set up in the remaining as *155 signments are not likely to arise on another trial of the case, and therefore need not be considered.
The judgment of the trial court is reversed, and the cause remanded.
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Reference
- Full Case Name
- De Garcia v. Cherokee Life Ins. Co. of Rome, Ga.
- Cited By
- 2 cases
- Status
- Published