Caron v. Farmers Insurance Exchange

90 N.W.2d 86, 252 Minn. 247, 1958 Minn. LEXIS 608
CourtSupreme Court of Minnesota
DecidedApril 25, 1958
Docket37,160, 37,161, 37,162, 37,163, 37,164, 37,165, 37,166, 37,167, 37,168, 37,169
StatusPublished
Cited by10 cases

This text of 90 N.W.2d 86 (Caron v. Farmers Insurance Exchange) is published on Counsel Stack Legal Research, covering Supreme Court of Minnesota primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Caron v. Farmers Insurance Exchange, 90 N.W.2d 86, 252 Minn. 247, 1958 Minn. LEXIS 608 (Mich. 1958).

Opinion

Frank T. Gallagher, Justice.

Appeals from five judgments of the district court in favor of the Farmers Insurance Exchange, herein referred to as Farmers Insurance, and five judgments in favor of the Mutual Service Casualty Insurance Company, herein referred to as Mutual Service. The cases were tried before a jury in Ramsey County District Court in May 1956. The trial court directed verdicts in favor of defendants resulting in the judgments from which this appeal was taken.

The action was brought by plaintiff, Ronald J. Caron, against said insurance companies to enforce two contracts of liability insurance, under which plaintiff claims that defendants are required to pay certain judgments against- Him entered in the District Court of Anoka County *249 in June 1954. The intervenors, Louis E. Beehrle; Martha M. Moen; Howard O. Moen, as trustee for the heirs of Lester O. Moen, decedent; and Richard Wayne Moen, a minor, by Martha M. Moen, his guardian ad litem, are the judgment creditors who have been made parties to the action by intervention.

Plaintiff and intervenors claim that plaintiff had fulfilled the terms of the insurance contracts between him and defendant insurance companies, while the latter claim that he breached the contracts.

According to the record, on June 13, 1953, a car owned by Lester O. Moen, deceased, and driven by plaintiff collided with a car owned and operated by James Van Gordon. At the time of the collision the Moen car was occupied by intervenors, Martha M. Moen, Richard Moen, and Louis E. Beehrle; also by Lester O. Moen, owner of the car; plaintiff, Caron, its driver; and Mrs. Caron, his wife. Lester O. Moen and Martha M. Moen were husband and wife; Mrs. Caron was their daughter; and plaintiff was their son-in-law. Louis E. Beehrle was an unrelated friend, and Richard Moen was a minor son of Martha and Lester O. Moen. Lester O. Moen died as a result of the accident and the other occupants were injured.

The Van Gordon car was not insured and its owner is not involved in this appeal.

It appears from the record that plaintiff was covered by a policy of liability insurance with Mutual Service to the extent of $17,500 and $35,000, which protected him while driving cars other than his own, and that plaintiff, as driver, and Lester O. Moen, as owner, were both covered by liability insurance with Farmers Insurance to the extent of $10,000 and $20,000.

As a result of the accident the following actions were brought in Anoka County and tried in district court in March 1954: Beehrle v. Van Gordon, Caron, and the estate of Lester Moen, resulting in a verdict of $30,000 against all defendants; Martha Moen v. Van Gordon and Caron, resulting in a verdict of $4,500 against both defendants; the estate of Lester Moen v. Van Gordon and Caron, resulting in a verdict of $17,500 against both defendánts;.Richard Wayne Moen, a minor, by Martha M. Moen, his guardian ad litem, v. Van Gordon and Caron resulting in a verdict of $1,500 against botli defendants; and *250 Mrs. Caron v. Van Gordon and the estate of Lester Moen, resulting in a verdict of $750 against both defendants. Mr. Caron brought no action on his own behalf. Mrs. Caron did not intervene in these proceedings.

Both defendants claim plaintiff violated identical conditions set forth in their respective policies which provided in part that the insured shall cooperate with the respective companies upon their requests; shall attend hearings and trials; and shall assist in effecting settlements, in securing and giving evidence, in obtaining the attendance of witnesses, and in the conduct of suits.

Defendants claim that plaintiff failed to cooperate. They base their claim on testimony given by plaintiff at the Anoka trial which they assert was inconsistent with information he had previously given them concerning his knowledge of the happening of the accident.

It was the position of the trial court that in order for defendants to prevail they must show that the evidence in this case demonstrated as a matter of law: (a) That plaintiff’s testimony at Anoka was inconsistent with his previous oral or written statements to defendants or their attorneys or agents, as to what he knew about the accident; (b) that the variance was a material one; (c) that it was prejudicial to defendants’ rights; and (d) that it was intentional and not an innocent or inadvertent mistake.

It was the opinion of the trial court that lack of cooperation on the part of plaintiff appeared from the undisputed facts and that as a result there were no questions of fact to submit to the jury and verdicts were directed, accordingly, in favor of defendants. The trial court therefore took the position that defendants have not waived their rights to invoke the defense of lack of cooperation, based on the testimony of plaintiff at the trial which was inconsistent with previous statements and which was material, intentional, and prejudicial to the defendants.

The record before us is extensive, including many exhibits. There are three points in particular on which the defendants claim plaintiff’s testimony at the time of the Anoka trial differed from statements and interviews he had with their representatives and attorneys prior to that trial. The conflicts involved the following matters: (a) As to whether •plaintiff was dozing or wide awake at or about the time of the accident; <b) as to whether there was a car about 200 feet behind the one he was *251 driving for some time prior to the accident; and (c) as to what he knew about how the accident happened.

While space will not permit a detailed review of the voluminous testimony and exhibits we shall consider what we deem the important contrasts on those points.

(a) In connection with the first point as to whether plaintiff was dozing or wide awake at or just prior to the time of the accident, he answered in his report of the accident received by the Farmers Insurance on June 30, 1953, “I dozed off * * *.”

On July 2, 1953, in a statement given by plaintiff to a representative of the Farmers Insurance he said, “Well, I dozed and I woke up and he was right there.” When asked if he remembered dozing at the time of the accident he answered, “Well, I evidently did.” He stated he did not see the other car coming at all. At another place in that statement he said that he must have dozed off and “Then this car was right there in front of me when I woke up.”

On July 9, 1953, plaintiff stated to a representative of the Farmers Insurance, when asked if he was sure he was dozing, “There is a possibility that I can’t say definitely if I dozed or not.”

On January 15, 1954, in a statement given by plaintiff to an attorney for the Farmers Insurance, plaintiff said he was wide awake at the time of the accident.

When questioned on cross-examination at the Anoka trial in March 1954 he was asked:

“q * * * Did you doze off?
“A. I was tired from being up all day and fishing on the lake and driving, I may have, but I don’t think I did.
“Q. You may have, you don’t know?
“A. I don’t know if I did or not. No, I don’t think I did.”

Free access — add to your briefcase to read the full text and ask questions with AI

Related

S.B. Foot Tanning Co. v. Piotrowski
554 N.W.2d 413 (Court of Appeals of Minnesota, 1996)
Rieschl v. Travelers Insurance Co.
313 N.W.2d 615 (Supreme Court of Minnesota, 1981)
Schwartz v. Wenger
124 N.W.2d 489 (Supreme Court of Minnesota, 1963)
Leif M. Hanson v. Ford Motor Company, a Corporation
278 F.2d 586 (Eighth Circuit, 1960)
Patterson v. Patterson
178 F. Supp. 633 (D. Minnesota, 1959)
Stotzheim v. Djos
98 N.W.2d 129 (Supreme Court of Minnesota, 1959)
Danielson v. St. Paul Fire & Marine Insurance
98 N.W.2d 72 (Supreme Court of Minnesota, 1959)
Hall v. City of Anoka
97 N.W.2d 380 (Supreme Court of Minnesota, 1959)
Juvland v. Plaisance
96 N.W.2d 537 (Supreme Court of Minnesota, 1959)

Cite This Page — Counsel Stack

Bluebook (online)
90 N.W.2d 86, 252 Minn. 247, 1958 Minn. LEXIS 608, Counsel Stack Legal Research, https://law.counselstack.com/opinion/caron-v-farmers-insurance-exchange-minn-1958.