Commercial Travelers' Mut. Acc. Ass'n of America

64 N.Y.S. 174, 51 A.D. 608

This text of 64 N.Y.S. 174 (Commercial Travelers' Mut. Acc. Ass'n of America) is published on Counsel Stack Legal Research, covering Appellate Division of the Supreme Court of the State of New York primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Commercial Travelers' Mut. Acc. Ass'n of America, 64 N.Y.S. 174, 51 A.D. 608 (N.Y. Ct. App. 1900).

Opinion

HIRSGHBERG, J.

This action is brought to recover on an accident policy insuring the plaintiff's husband in the sum of $5,000. He died on December 8, 1896, as the result, it is claimed, of an accident sustained on October 30, 1896. The case has been tried twice. On the first trial the. plaintiff recovered a verdict, but the judgment entered on it was reversed by this court. Thurber v. Association, 32 App. Div. 636, 52 N. Y. Supp. 1071. On this, the second, trial, the learned trial justice, at the close of the plaintiff’s case, dismissed the complaint “upon the decision of the appellate division.” The previous decision by this court did not justify or require such a disposition [175]*175of the case, and there must therefore be a new trial. The judgment was reversed, as appears by the opinion of Mr. Justice Cullen, because the plaintiff failed to prove that her husband’s death was caused by the accident. It appeared on the first trial that between the time of the injury, October 30th, and the day when the deceased left New York to go to Cleveland, Ohio, November 29th, he had practically recovered from the effects of the accident, which, as stated in the opinion, "did not seem to be of a very serious character.” The physicians who attended him during this period were not called as witnesses, and there was therefore no competent evidence of the extent of the injury, or of its relation to, and connection with, the subsequent history of the case and its fatal issue. It then appeared that at Cleveland the deceased was attended by a physician, who testified upon the trial that he (the insured) was suffering from pneumonia and bronchitis, and that he died from heart failure, caused by those diseases. This evidence is lacking in the present record, being presumably the affirmative defense, which was not gone into. The only evidence tending in any way to connect the death with the accident was given by the physician who niade the first autopsy, at Auburn, N. Y., where the deceased was buried. He did not trace this connection directly, but assumed a shock at the time of the accident, which was not proved, and a weak heart, as the cause of death. The expert who attended the second autopsy on plaintiff’s behalf, Dr. Van G-iesen, was examined as a witness, but the court could "find nothing in his testimony that connects the death of the insured with the physical injury.” On the other hand, the physician who attended the second autopsy in the defendant’s interest testified that it would be impossible for the injury to have caused the death. This evidence, of course, is absent from the present record. All the physicians agreed that there was no consolidation of the lungs, a necessary incident to pneumonia, and the court assumed that the failure to find on the post mortem examinations anything which did cause the death was probably the basis for the hypothesis of the physicians that it was caused by the physical injury. The court said: “Of course, it is possible that the hypothesis that the witness has adopted is the true one, but suffice it to say it has not been sufficiently verified by the attendant facts to justify its acceptance as proved.” The attendant facts were the apparent entire recovery of the insured after the accident, his ability to attend to his business and to take a long journey, and his subsequent illness, in which no complaint appears to have been made by him of the injury in question. The court concluded that “in the face of these facts, and without any evidence to show that the deceased was suffering under a condition of shock, it seems to us sheer speculation to connect the death with the injury to the testicles.” On the second trial the plaintiff called and examined, in addition to the witnesses on the first trial, Dr. Smith, the attending physician, who treated the insured immediately after the accident; Dr. Miller, who was called in consultation when the effects of the injury assumed a more serious character; and Dr. Conway, who took part in the first autopsy. The evidence, as now presented, establishes the following facts: The deceased, at the time of the accident, was 47 [176]*176years of age, weighed 198 pounds, and was in perfect health and condition. He had been thoroughly examined by Dr. Smith the previous May, and found to be in sound and healthy condition. His heart was all right, so far as the physician could judge from such examination. On the night of October 30, 1896, he had a violent fall, occasioned by tripping on a rug, and injured his right testicle by contact with the edge of a square-cornered bed post. He was confined to his bed eight days, during which he was treated locally for the swelling and inflammation which ensued, and during which time he suffered great pain, and was in a highly fevered condition. He then went out for a short distance, on two occasions, but was taken with a chill, and obliged to take to his bed again, where he was kept under treatment for two weeks, and not allowed to move. When he left home on November 29th, to go to Cleveland, he was not entirely recovered from the effects of the accident, and, as has been said, in four days was dead. His body was brought to Auburn, where the first autopsy was performed, December 6, 1896, by Dr. O’Brien, in the presence of Dr. Conway; and on the 6th of July, 1897, at the request of the defendant, a second autopsy was had, in the presence of Dr. Van Giesen. As on the first trial, the evidence again showed that the vital organs disclosed no conditions determining the cause of death, other than those which the physicians attribute to the direct result of the accident.

Dr. Smith testified that he was called to attend the deceased on the day of the accident, and found him prostrated by the injury. He had a high fever, with a pulse rapid and weak. He was evidently suffering a great deal of pain. The scrotum was discolored black and blue, and the epididymis swollen, large, hard, and tense. He improved under applications of ice and other medication for several days, but then developed an orchitis, or an inflammation of the testicle proper, which was accompanied by a chill and fever so prostrating that the physician was obliged to employ stimulants and hypodermics to stimulate the heart. The inflammation subsided slowly, and the patient gradually gained some strength, but not as much as he should have done, in view of his favorable general condition. During this period the witness was twice called hurriedly, to find him in a fainting and apparently dying condition, from which he was revived by the use of-hypodermics. He was in a condition of shock extending over the entire period, and until the time when the witness saw him last, which was either the day, or the day before, he went to Cleveland. He was then still greatly depressed and weak, and was suffering from a congestion of the lungs, hypostatic or passive, due to weak circulation,—a weak heart,—occasioned- by the shock and the local injury. The injured parts were supported and fastened with adhesive straps. In answer to a hypothetical question, the doctor testified that the injuries, as seen and treated by him, were sufficient to cause the death of the insured on December 3d.

Dr. Miller testified to his examination of the deceased at the time he was called in consultation. He found him exhibiting every appearance of shock, which, by weakening the heart and lessening the circulation, had resulted in a hypostatic or passive congested condi[177]*177tian of the lungs. His temperature was over 102; his respiratioh about 30; his pulse 130; his face flushed; the pupils contracted; the scrotum black and blue; and the testicle itself decidedly swollen, and very painful to the touch.

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Related

Bailey v. Interstate Casualty Co.
8 A.D. 127 (Appellate Division of the Supreme Court of New York, 1896)
Peck v. Equitable Acc. Ass'n
5 N.Y.S. 215 (New York Supreme Court, 1889)
Martin v. Equitable Accident Ass'n
16 N.Y.S. 279 (New York Supreme Court, 1891)
Thurber v. Commercial Travelers' Mut. Acc. Ass'n
52 N.Y.S. 1071 (Appellate Division of the Supreme Court of New York, 1898)

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Bluebook (online)
64 N.Y.S. 174, 51 A.D. 608, Counsel Stack Legal Research, https://law.counselstack.com/opinion/commercial-travelers-mut-acc-assn-of-america-nyappdiv-1900.