Andrews v. United States Casualty Co.
Andrews v. United States Casualty Co.
Opinion of the Court
No claim is made that the evidence is insufficient to sustain the verdict. The substantial errors ■claimed are but two in number, and will be briefly considered.
1. The great question in the case was whether Ebeling shot himself or whether his mistress, Cora Edwards, shot him, it ■appearing that the fatal shot was fired when the two were in a room together with no one else present. The deposition of Cora Edwards was taken and offered in evidence by the defendant and was to the effect that he shot himself. On the •other side there was considerable evidence of statements made by both Ebeling and the woman immediately after the shooting, and which were admitted as part of the res gestee, to the ■effect that she shot him. A criminal prosecution was immediately begun against the woman for murder and the prelim
2. On the day preceding the conclusion of the trial the-plaintiff called Fred 0. Ebeling, the brother of the deceased, in rebuttal of the testimony introduced by defendant tending to prove intemperate habits on the part of the deceased. Upon; cross-examination the witness stated that he knew of his brother’s going to West Baden, and further that “I knew he was-
The motion was overruled. Upon the question of the newly ■discovered evidence or defense the trial court very justly said .in a written opinion:
“The defense is that the insured in his application for insurance represented and warranted that he -was free from any ‘physical disorder, defect, deformity, impairment, or infirmity,’ and that he had a rupture or hernia in the left side of his abdomen. The insured was injured and died in September,' 1910. Very shortly after his death defendant’s agent was on hand at the examination of Cora Edwards, seeking for grounds of defense against liability of defendant on its -policy. Said Cora Edwards had lived with the insured for some months as his wife and for some years as his mistress, ■the time covering that when the policy of insurance in question was obtained. When this action was commenced the defendant found in the said Cora Edwards a witness willing to testify in its behalf to any fact known to her which would constitute a defense in this action, and did so testify fully on*608 all subjects concerning which she was interrogated. Defendant knew that her knowledge of and acquaintance with the insured was such that' she must have known the facts if he had any physical disorder, defect, deformity,, impairment, or infirmity.
“The case was at issue two terms before reached for trial, tried, and appealed to the supreme court, and tried a second time. The. question presented by this application is, Did not due diligence on the part of the defendant require it to inquire of Cora Edwards as to the facts which it knew must be known to her and which if found would constitute a defense to the action ?
“The assertion of a claim under the policy is an assertion that the policy is valid and binding on the defendant.
“Defendant knows just what warranties were made in application. Breach of them, or any, is an affirmative defense. It becomes the defendant’s duty at once to use diligence to-ascertain whether it has any defense because of breach of warranty.
“In Scott v. Hobe, 108 Wis. 239, 84 N. W. 181, a motion for a new trial was made on ground of newly discovered evidence. It appeared that the party knew that the proposed witness had occupied a position where he would be apt to know something about the facts. The court says: ‘The affidavits further showed that neither the defendant nor his attorneys had ever interviewed Lind to see if he Tcnew any facts concerning the case previous to the trial. We think common-diligence and prudence in preparing for trial would have suggested that Lind be interviewed to ascertain what lmowledge-he had concerning the matter. He was in defendant’s employ, was within easy access, and had seen plaintiff frequently during the employment, and it would seem quite probable that he might have had some material conversations with the plaintiff.’ Oases are cited from other states to the proposition that diligence requires a party to inquire of one who it may be reasonably presumed has knowledge as to the fact, and it seems to me that the facts of this case bring it clearly, within the rule.”
To this the court might have added that two juries had rejected the testimony of the woman as utterly unworthy of
We find no other contention which' seems to require detailed treatment. We have examined all the questions raised by the appellant and find no reason for reversing the judgment.
By the Gowri. — Judgment affirmed.
Reference
- Full Case Name
- Andrews v. United States Casualty Company
- Status
- Published