Brooks v. Washington National Life Insurance

79 So. 2d 653, 1955 La. App. LEXIS 761
CourtLouisiana Court of Appeal
DecidedApril 11, 1955
DocketNo. 20395
StatusPublished
Cited by8 cases

This text of 79 So. 2d 653 (Brooks v. Washington National Life Insurance) is published on Counsel Stack Legal Research, covering Louisiana Court of Appeal primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Brooks v. Washington National Life Insurance, 79 So. 2d 653, 1955 La. App. LEXIS 761 (La. Ct. App. 1955).

Opinion

McBride, judge.

This is a suit on a policy of accident insurance which defendant issued to Amos Bordeaux; among the coverages the contract provides that in the event of the death of Amos Bordeaux, if such death should result directly and independently of all other causes from accidental bodily injury occurring during the term of the policy, the insurer would pay to the beneficiary the “principal sum” of the policy. Deseree Brooks, the named beneficiary, brings this suit against the insurer for said principal sum, to-wit: $1,500. She alleges Bordeaux was killed on January 6, 1951, and that his death resulted directly and independently of all other causes from accidental bodily injuries, and that although she has submitted to the insurer sufficient proof of claim, the insurer without legal justification refuses to recognize her claim to the proceeds of the policy.

The insurance company admits issuing the policy and that the premiums thereon were paid; for want of sufficient information and belief defendant denies that Bordeaux was killed on January 6, 1951, or that his death resulted directly and independently of all other causes from accidental bodily injury. The answer then sets forth that the policy provides:

“This policy does not cover loss or disability (E) caused by intentionally inflicted injuries provoked by the insured; (F) resulting from the insured being intoxicated; (G) resulting from the insured’s commission or the attempt to commit a felony.”

It is also averred:

“ * * * That defendant is informed and believes and so believing, avers that Amos Bordeaux provoked a quarrel and resulting altercation which resulted in his death and that at the time of the quarrel and up to his resulting death, the insured had been on a drinking spree with one Maude Matthews. That on the Sixth day of January, 1951, while on a drinking bout with the said Maude Matthews he attacked her and in the course of defending herself while under a vicious attack by the deceased, she killed the said Amos Bordeaux, insured in this matter.
“6. That Maude Matthews was charged in the Criminal District Court for the Parish of Orleans under No. 135-475 with violating [LSA] Revised Statute 14:31 and on March 31, 1952, she was tried by a jury and found not guilty and discharged. The discharge by the jury and by the court resulted from the finding that the attack had been made upon Maude Matthews by the deceased, Amos Bordeaux, and that in defending herself, she killed him.”

Neither party adduced testimonial evidence at the trial. All that was produced by plaintiff as her evidence is the policy itself and a certified copy of the death record of Amos Bordeaux issued by the Bureau of Vital Records of the City of New Orleans Health Department.

The only offer made by defendant is the record in the cause entitled “State of Louisiana v. Maud Matthews,” No. 135,475 of [655]*655the docket of the Criminal District Court for the Parish of Orleans, in which is included a photostatic copy of the true bill of indictment presented by the Grand Jury for the Parish of Orleans, on January 23, 1951, against Maud Matthews for having on the 6th day of January, 1951, with force and arms in the Parish of Orleans and within the jurisdiction of the Criminal District Court for the Parish of Orleans “unlawfully killed one Amos Bordaux” contrary to the forms of Statute of the State of Louisiana in such cases made and provided and against the peace and dignity of the same. Contained in the record also is a photostatic copy of an endorsement on the indictment showing that on March 31, 1952, the jury returned a verdict of “not guilty,” which was ordered recorded by the court and the defendant, Maud Matthews, discharged “without day.”

After taking the matter under advisement, the judge a quo rendered judgment dismissing plaintiff’s demands as in the case of nonsuit, from which judgment plaintiff has appealed. In his written reasons for judgment the trial judge states that there is no factual evidence showing how and in what manner Amos Bordeaux came to his death; therefore, plaintiff has failed to prove her case with a sufficiency of evidence.

Under the well-established jurisprudence of this State, for the plaintiff to recover in the instant case she must prove by a preponderance of the evidence — the burden of proof being on her — that the insured’s death resulted directly and independently of all other causes from accidental bodily injury. Franklin v. Mutual Life Ins. Co. of New York, 216 La. 1062, 45 So.2d 624; Siracusa v. Prudential Ins. Co. of America, 211 La. 1066, 31 So.2d 213; Cutitto v. Metropolitan Life Ins. Co., 185 La. 161, 168 So. 761.

Appellant’s contention is that she has satisfied the requirements of the law as to making proof of her claim and that she has made out her claim with a sufficiency of evidence; that the death certificate, considered in conjunction with the judicial admission of defendant in its answer that Amos Bordeaux had been killed by Maud Matthews, constitutes prima facie proof that the death was accidental and within the insuring clauses of the policy.

Counsel contend that in a suit on a policy of accident insurance when nothing more has been shown than that the insured was killed by another there arises the presumption that the death was accidental thus establishing a prima facie case. Counsel cite as authority: 1 C.J.S., Accidental, p. 451, note 39; Floyd v. Missouri State Life Ins. Co., D.C., 11 F.Supp. 1001; Mutual Life Ins. Co. of New York v. Sargent, 5 Cir., 51 F.2d 4, Hutcheson, Judge, citing: Smith v. New York Life Ins. Co., 5 Cir., 31 F.2d 281; Nerrow v. Pacific Mutual Life Ins. Co., Mo.App., 294 S.W. 97, 99; Withers v. Pacific Mutual Life Ins. Co., 58 Mont. 485, 193 P. 566; Aetna Life Ins. Co. v. Rustin, 151 Ky. 103, 151 S.W. 366; Jones v. United States Mutual Acc. Ass’n, 92 Iowa 652, 61 N.W. 485; Aetna Life Ins. Co. v. Little, 146 Ark. 70, 225 S.W. 298.

Plaintiff then assumes the position that once the beneficiary named in the policy has made out such a prima facie case, the burden of proof then shifts to the insurer and it becomes incumbent upon the insurer, if it would absolve itself from liability, to show that the death resulted from and under the circumstances set forth in the special defenses contained in the answer.

Counsel’s argument overlooks one important thing and that is that plaintiff may not treat the defendant’s averment that Amos Bordeaux had been killed by Maud Matthews as though it were an unqualified admission of the fact of the killing. That averment must be taken in connection with defendant’s denial of the allegations that were made by plaintiff in paragraph 3 of the petition that Bordeaux’ death resulted directly and independently of all other causes from accidental bodily injury. Neither can the averment that Amos Bordeaux was killed by Maud Matthews, which is found in the fifth paragraph of the answer, be extracted from the answer and isolated to suit plaintiff’s purpose from the other [656]*656averments in that paragraph which set forth that the injuries which, caused the insured’s death were provoked by Bordeaux, that the death resulted from intoxication, and from the insured’s commission of a felony. Nor may the sixth paragraph of the answer be ignored.

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Cite This Page — Counsel Stack

Bluebook (online)
79 So. 2d 653, 1955 La. App. LEXIS 761, Counsel Stack Legal Research, https://law.counselstack.com/opinion/brooks-v-washington-national-life-insurance-lactapp-1955.