Bradbury v. Rhode Island Insurance

112 A. 714, 120 Me. 1, 1921 Me. LEXIS 1
CourtSupreme Judicial Court of Maine
DecidedMarch 11, 1921
StatusPublished
Cited by1 cases

This text of 112 A. 714 (Bradbury v. Rhode Island Insurance) is published on Counsel Stack Legal Research, covering Supreme Judicial Court of Maine primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Bradbury v. Rhode Island Insurance, 112 A. 714, 120 Me. 1, 1921 Me. LEXIS 1 (Me. 1921).

Opinion

Philbrook, J.

This is an action on the case to recover for a fire loss. The property destroyed consisted of a stock of goods, fixtures, repair machinery and tools, and such other personal property as would ordinarily be contained in a retail boot and shoe store. Upon this property the defendant had issued two insurance policies, one for $300.00,, dated Oct. 9, 1917, the other for $1000.00, dated Dec. 21, 1917, both of which were in force at the date of the fire. Policies [3]*3issued by other companies, in force at the time of the fire, with dates of issue, and amounts, are as follows:

Firemen’s Insurance Company, June 15, 1917 ................... $ 500.00

Imperial Assurance Company, June 15, 1917 ...................... 1000.00

Insurance Company of Pennsylvania, Oct. 9, 1917 ............ 1000.00

American Eagle Insurance Company, Oct. 11, 1917.......... 1000.00

The aggregate of these four policies together with those issued by defendant, is $4800. The $300 policy issued by defendant covered material used in shoe repairing business to the amount of $200.00, while the remaining $100.00 was upon cash register, machinery, motor, tools and implements used in such business. The $1000 policy issued by defendant was thus divided: $800 on stock of merchandise, and $200 on store furniture and fixtures. The four policies issued by the other companies were all on stock of merchandise. Thus it will be seen that the plaintiff claimed insurance from all his policies as follows:

On machinery in repair department..................................... $ 100.00

On material “ “ “ ...................................... 200.00

On furniture and fixtures in store............................................ 200.00

On stock of merchandise......................................................... 4300.00

Total................................................................... $4800.00

These figures become important by reason of the special findings returned by the jury. s

The fire occurred Dec. 30, 1917. In his proof of loss the plaintiff claimed loss of $410 under the 8300 policy and $6709.03 under the other policies. Thus it will be observed that the aggregate loss claimed was considerably more than the aggregate insurance under all the six policies. The plaintiff and the several insurance companies having failed to agree as to the amount of loss, a reference was invoked under the standard form of policy and the provisions of N. S., Chap. 53, Sec. 8. After hearing before those referees a finding was made by which the plaintiff was awarded the sums following:

On stock of merchandise, boots, shoes, etc.......................... $2500.00

On store furniture and fixtures, etc....................................... 222.50

On stock of leather, soles, rubber heels, etc........................... 75.00

On machinery, electric motor, etc........................................... 155.00

$2952.50

[4]*4The award was signed by two of the referees but the third declined so to do. Being dissatisfied by reason of the sums awarded, and by reason of what he claimed was improper conduct of the hearing, and by reason of what he claimed was bias or partisanship against him on the part of one or more of the referees, the plaintiff brought suits upon all his policies of insurance, including the two under consideration in the case at bar. The other suits abide the outcome of this one, under stipulations which do not here need enumeration or discussion.

Trial before a jury resulted in a general verdict for the plaintiff, with special report as to assessment of damages agreeably to the stipulations of the parties. The following special findings were also returned:

Was the stock of goods and merchandise in the Bradbury store, at the time of the fire, worth $4300.

Answer, yes.

Were the fixtures in the Bradbury store, at the time of the fire, worth $200.

Were the fixtures in the cobbler’s shop in the Bradbury store, at the time of the fire, worth $100.

Answer, yes. •

The defendant reserved numerous exceptions during the progress of the trial but no bill of exceptions appears in the record. The case is before us upon motion for new trial based upon the usual grounds.

The elements of the defense are as follows: (a) That the fire was set by the plaintiff; his agents or employees, with criminal and fraudulent intent of causing the stock of merchandise to be destroyed, so that the plaintiff might procure the insurance money provided for in his policies; (b) that the plaintiff filed a false and fraudulent proof of loss; (c) that the referees provided for by the terms of the policy, and by B. S., Chap. 53, Sec. 8, were legally and properly chosen, that the terms of the policy and the statute as to hearing were complied with, and that the award of the referees, or a majority of them, was conclusive and final upon the parties as to the amount of loss or damage. A record of somewhat extraordinary length discloses that these elements were presented and opposed with great zeal, power and skill, by learned, experienced and able counsel, and the jury [5]*5result is above indicated. The defendant now asks this court, without vision of witnesses or personal contact with the environment of the trial, to declare that the jury so palpably erred, through prejudice, bias, passion or mistake, that the verdict must be set aside. “Even though the evidence preponderates against the verdict, and even though the court might have arrived at a conclusion different from that reached by the jury, if there be evidence upon which the verdict may rest, the motion should be overruled unless the conclusion is warranted that the jury reached its verdict improperly, or was, in finding it, improperly influenced.” Clark v. Dillingham, 116 Maine, 508; Gregor v. Cady, 82 Maine, 131; Dickey v. Bartlett, 114 Maine, 435; Greenlaw v. Milliken, 100 Maine, 440; Prescott v. Black, 115 Maine, 557; Hubbard v. Marine Co., 105 Maine, 384. The burden of showing the verdict to be wrong rests upon the mover. Clark v. Dillingham, supra; Sterns v. Hudson, 113 Maine, 154; Cobb v. Cogswell, 111 Maine, 336. These principles are so familiar that citation of authorities ought not to be necessary, but in view of the growing frequency of motions for new trial, based alone upon the grounds of jury error, it seems necessary to reiterate them from time to time.

The first element relied upon by the defendant, is wholly a question of fact. The judgment of a jury upon a disputed fact is binding upon this court when the testimony is not so strong to the contrary as to show that- they were clearly wrong or were influenced by prejudice, bias, passion or mistake, and where the evidence is of such a character that, after weighing it, they may have well concluded that the plaintiff's version was right. Leavitt v. Seaney, 113 Maine, 119. By that verdict he was exonerated from the charge of having, with criminal and fraudulent intent, caused the fire which destroyed his property. A careful examination of the evidence does not justify us in setting aside the verdict on this ground.

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Bluebook (online)
112 A. 714, 120 Me. 1, 1921 Me. LEXIS 1, Counsel Stack Legal Research, https://law.counselstack.com/opinion/bradbury-v-rhode-island-insurance-me-1921.