Des Moines Rug Cleaning Co. v. Automobile Underwriters

245 N.W. 215, 215 Iowa 246
CourtSupreme Court of Iowa
DecidedNovember 15, 1932
DocketNo. 41212.
StatusPublished
Cited by5 cases

This text of 245 N.W. 215 (Des Moines Rug Cleaning Co. v. Automobile Underwriters) is published on Counsel Stack Legal Research, covering Supreme Court of Iowa primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Des Moines Rug Cleaning Co. v. Automobile Underwriters, 245 N.W. 215, 215 Iowa 246 (iowa 1932).

Opinion

Wagner, J.

— The plaintiff, a copartnership, consisting of D. G. Carnahan and W. A. Keith, is engaged in business in the city of Des Moines in cleaning, laying and making rugs, etc. On May 27, 1929, the State Automobile Insurance Association, by or through Automobile Underwriters, Incorporated, its duly authorized attorney in fact, issued to the plaintiff a policy of insurance. By the terms of the policy, the defendant, The State Automobile Insurance Company, agreed “to indemnify against loss from the liability imposed by law (subject to the limits hereinafter stated) upon the Assured on account of bodily injuries or death, accidentally suffered or alleged to have been suffered by any person or persons as the result of an accident occurring while this contract is in force, due to the ownership, maintenance or use of any automobile described in this contract,” and “to indemnify against loss, from the liability imposed by law (subject to the limits hereinafter stated) upon the Assured on account of damage to or destruction of;property of others (except property in charge of the Assured or. any of the Assured’s employees, or carried in or upon the automobile covered by this contract), arising from an accident occurring while this contract is in forcé, due to the ownership, maintenance or use of any automobile described in this contract.” The automobile mentioned in the policy of insurance is a % ton truck. On July 20, 1929, a collision occurred between the said truck, which was being operated at that lime by Wingert, an employee of the plaintiff-copartnership, and an automobile owned by one Walker. In the Walker car at the time in question were three other occupants. As a result of the collision damage occurred to all of the occupants of the.'Walker car. Notice of thé accident was given to the defendant the State Automobile Insurance Association. On August 23, 1929, separate suits were instituted by the occupants of the Walker Car, demhnding damages against the plaintiff-copartnership by reason of the collision. Notice of the filing of said suits was given to The State Automobile Insurance Association, with the demand to defend and indemnify the *248 plaintiff-copartnership for any loss it might sustain. Said Insurance Association notified the plaintiff-copartnership that it denied liability under the contract of insurance for any loss sustained on account of the collision. The above-mentioned suits came on for trial, and final judgments were entered against the plaintiff-copartnership in the aggregate sum of $2,800.00 and costs, which judgments, with interest thereon, the plaintiff-copartnership has paid. The plaintiff-copartnership brings this, action to recover the amount which it has paid.

The policy of insurance contains, among others, the following condition:

“This contract does not cover losses resulting or arising from any of the following causes, or while any automobile described herein is being used or maintained under any of the following conditions: * ':f Under Clauses 1 and 2 [those hereinbefore quoted] while being operated by any person under sixteen years of age -or prohibited by law from driving an automobile, or while being operated by. any person not having a chauffeur’s or driver’s license if required by law.”

As stated in the preliminary statement to this opinion, the defendants alleged as a defense the foregoing condition contained in the policy, and that at the time of the accident, the automobile mentioned in the policy was being operated by Wingert, employee and chauffeur of the plaintiff; that Wingert at the time in question was not licensed as a chauffeur in accordance with the requirements of Section 4943, 1927 Code of Iowa. Upon this issue, the case was tried to the court, without a jury, and the court found that the employee, Wingert, was not a “chauffeur” within the meaning of the statutes of Iowa, therefore not required to have a chauffeur’s license — and rendered judgment in favor of the plaintiff for the amount claimed. From this judgment, the defendant insurance company has appealed.

The employee, Wingert, was not licensed as a chauffeur, and the question presented by the appeal is as to whether Wingert, who was operating the car at the time of the collision with the Walker car, was such a person as is required by the provisions of Section 4943, Code 1927, to be licensed as a chauffeur. It is conceded by the appellee that if Wingert is such a person, then, by reason of the *249 aforesaid condition of the policy, there is no liability as against the appellant. Said Section 4943 provides: '

, “It shall be unlawful for any person known as a chauffeur, and employed for hire-therefor, to operate or drive a motor vehicle upon the public highways unless licensed by the department as herein provided.” (Writer’s Italics.)

A “chauffeur” as defined by our motor vehicle law is:

“Any person who operates an automobile in the transportation of persons or freight and who receives any compensation for such service in wages, commission or otherwise, paid directly or indirectly, or who as owner or employee operates an automobile carrying passengers or freight for hire, including drivers of hearses, ambulances, passenger cars, trucks, light delivery, and similar conveyances; * * *” See Par. 6, Sec. 4863, Code 1927.

It becomes necessary to refer to the evidence upon this decisive question, which we will now proceed to do. The appellee-copartnership operates an establishment in Des Moines for the purposes 'hereinbefore mentioned. The testimony of one of the copartners, Carnahan, as to this material question is uncontradicted and is as follows:

“S. A. Wingert and Hugh F; Schneider are the only employees of the company besides my partner, Mr. Keith and myself. In July, 1929, we owned one automobile truck, the truck referred to in the insurance policy. We had no other automobiles. The truck was used in picking up rugs and delivering them. Q. Did you have in your employ at that time anyone whose duty it was to operate the truck? A. One man, yes. Q. What was his name? A. Hugh F. Schneider. Q. What are Mr. Schneider’s duties? A. To pick up orders and deliver them: that is, he called for rugs at the houses and brought them to the factory where they were cleaned, and then it was his business to deliver them again. Mr. Schneider drove and operated this truck entirely — almost exclusively. When he was on duty, none of the other employees had anything to do with the operation or driving this truck. Q. What are Mr. Wingert’s duties? A. Wingert’s duties are largely the cleaning of rugs. Of course, he had other work. We make a great many new carpets and part of his business is sewing and laying those, and also laying linoleum. The rugs are brought into the factory and it is his business to clean *250 them. ■ He has some other work to do, hut it is simple compared with that part of it. Wingert spent most of his time at the factory. Q. Did Wingert, as a part of his duties, have anything to do with the operation of this truck, while Mr. Schneider was there? A. No, Schneider has been in our employ ¿bout 11 years .and Wingert about'20 years.” •

At this point in his testimony, it was stipulated that Schneider, the other employee, held'a chauffeur’s license for the year 1929, issued by the secretary of state. The witness further testified:

“Mr.

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245 N.W. 215, 215 Iowa 246, Counsel Stack Legal Research, https://law.counselstack.com/opinion/des-moines-rug-cleaning-co-v-automobile-underwriters-iowa-1932.