American Union Insurance v. Horton

15 Tenn. App. 176, 1932 Tenn. App. LEXIS 85
CourtCourt of Appeals of Tennessee
DecidedJuly 9, 1932
StatusPublished

This text of 15 Tenn. App. 176 (American Union Insurance v. Horton) is published on Counsel Stack Legal Research, covering Court of Appeals of Tennessee primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
American Union Insurance v. Horton, 15 Tenn. App. 176, 1932 Tenn. App. LEXIS 85 (Tenn. Ct. App. 1932).

Opinion

OWEN, J.

N. P. Horton, hereinafter called plaintiff, obtained a judgment against the American Union Insurance Company of New York, hereinafter called defendant, on a policy of insurance issued by said defendant on the house or residence of the plaintiff located in Kingsport, Tennessee.

A policy for $3500 had been issued on plaintiff’s residence and $100 on his garage. The insurance company admitted that the residence had been practically destroyed by fire, but denied the amount of the damages claimed by plaintiff.

The Insurance Company further, by a plea of defense, averred that the fire destroying plaintiff’s residence was of incendiary origin; that the plaintiff either personally or by collusion with others, undertook to destroy said residence and the contents therein by setting fire thereto, and for this reason refused to pay the losses claimed.

Replication was had on this special plea. At the March Term of the Law Court of Kingsport in 1931, plaintiff recovered a judgment for $3600. A new trial was granted the defendant. The case was again tried. At the July Term of 1931 of said Court, plaintiff secured a verdict for $1800. This verdict was set aside, and a new trial granted. At the November Term, 1931, of said Court, the plaintiff secured a verdict for $2625. UpOn a motion for a new trial, this verdict was credited with $1892.18, or in other words the Trial Judge ordered a remittitur of $1892.18, which amount represented what the defendant insurance company had paid the mortgagee who had a mortgage on the plaintiff’s property that was burned, and there was a loss payable clause to said mortgagee written on the policy. After ordering the credit or remittitur, the motion of the defendant was overruled. An appeal was prayed and perfected. A proper bill of exceptions was signed, and the defendant assigned six errors filed April 30, 1932. And on May 2nd, by leave of Court, the defendant was permitted to assign an additional error, known as error No. 7.

On May 2, 1932, the plaintiff Horton filed a motion to affirm the judgment. The grounds of said motion being that the bill of exceptions filed by the appellant does not state that it contains all of the evidence introduced on the trial of the cause.

The motion also called the attention of the Court to an insistence that the assignments of error and the brief of the plaintiff was hot prepared in compliance with the rules of this Court.

*178 On page 198 of the Transcript We find at the bottom of the page this statement, “This was all the evidence introduced on the hearing of this cause,”

There was evidence heard on the motion for a new trial, and the bill of exceptions fails to state that it contains all the evidence heard on the motion for a new trial, but we do not have to consider the evidence heard on the motion for a new trial. And the bill of exceptions shows that it contains all the evidence that was submitted to the jury. The motion to affirm or dismiss the appeal is overruled. The assignments of error and brief of the counsel for the defendant comply sufficiently with the rules of this Court.

It is insisted by the seven assignments of error as follows:

(1) There is no material evidence to support the verdict.

(2) The verdict is contrary to the law and the evidence. This assignment is overruled because it is too general.

(3) The Court should have sustained defendant’s motion for a directed verdict made at the conclusion of all the evidence.

(4) The Court should have sustained defendant’s motion for peremptory instructions at the close of plaintiff’s evidence.

(5) That the Court erred in refusing to give at the request of the defendant, a special request which covers more than two.pages of counsel’s brief, and which special request, it is not necessary here to set out. "We cannot consider the same for two reasons: (a) We are not cited to any page of the Transcript where this special request can be found so the rules of our Court have not been complied with, which requires that the pages of the Transcript shall be cited when complaint is made that the Court refused a special request, (b) Furthermore the Transcript does not show that any special request was offered at the conclusion of the Court’s charge. The Court’s charge begins at the top of page 1’9'4 and ends on page 196 of the Transcript, and immediately following the conclusion of the charge is the motion for a new trial. This assignment is overruled.

(6) That the Court erred in not setting aside the verdict on the ground of prejudice and passion exhibited by the jury.

(7) That the Court showed affirmatively' when he overruled the motion for a new trial that he disapproved the Verdict of the jury.

There is also an error assigned on allowing interest from the time of the destruction of the property and in not calculating interest from the time the proofs were submitted.

When the motion for a directed verdict was made, it was insisted that the plaintiff while he might have been out of the city at the time the fire occurred, he did know of plans and preparations to fire the building. The Court in overruling the motion said, ‘ ‘ The circumstances look suspicious, brrt I can’t direct a verdict at this time. That *179 is a question for the jury.” That motion was made at the conclusion of plaintiff’s evidence. It was renewed at the conclusion of all the evidence, and again overruled. The Court fully charged the defendant’s theory as to its insistence that the fire was of incendiary origin, and the plaintiff either fired the house or caused it to be burned.

The fire occurred about 3:20 A. M., Tuesday, March 11, 1930. The plaintiff and his wife occupied the burned premises as their home. On March 10th, the day before the fire, the plaintiff was in his home about 1:00 or 2:00 o ’clock in the afternoon. He had just returned from Rogersville where he had been several days attending Court. Upon returning home he learned that his brother, who lived near Morristown, sixty-five miles from Kingsport, plaintiff’s home, was quite ill. Plaintiff’s wife had been staying with a married daughter for about a week prior to the fire. The daughter was better upon plaintiff’s return to his home. The plaintiff and his wife on the afternoon of March 10th went to visit plaintiff’s brother. Defendant’s counsel admits that the plaintiff’s alibi is perfect as shown by numerous witnesses that the plaintiff was in his brother’s home all the night of March 10th.

There is no question but what someone purposely set the house afire. Some of the plaintiff’s household goods, comforts, curtains, etc., were found in a sack 75 or 100 yards from plaintiff’s home sometime after the fire.

It is the defendant’s insistence that the plaintiff procured someone that caused the fire. It is the plaintiff’s insistence that the house was robbed and the fire was caused to cover up the robbery.

It appears that the first persons, who reached the house at the time of the fire found the front door locked, but whether the back door was locked or any windows were up, the firemen were unable to tell.

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Bluebook (online)
15 Tenn. App. 176, 1932 Tenn. App. LEXIS 85, Counsel Stack Legal Research, https://law.counselstack.com/opinion/american-union-insurance-v-horton-tennctapp-1932.