Eby v. Travelers Insurance

102 A. 209, 258 Pa. 525, 1917 Pa. LEXIS 881
CourtSupreme Court of Pennsylvania
DecidedJune 30, 1917
DocketAppeal, No. 393
StatusPublished
Cited by41 cases

This text of 102 A. 209 (Eby v. Travelers Insurance) is published on Counsel Stack Legal Research, covering Supreme Court of Pennsylvania primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Eby v. Travelers Insurance, 102 A. 209, 258 Pa. 525, 1917 Pa. LEXIS 881 (Pa. 1917).

Opinion

Opinion by

Mr. Justice Mestrezat,

This suit was brought on an accident insurance policy by which the .defendant company agreed to pay the plaintiff $7,500 in case of the death of her husband “resulting from bodily injuries, effected directly .and independently of all other causes, through external, violent and accidental means.”

The plaintiff alleges in her statement that her husband, Ben Eby, died on April 13,1916, and that his death was caused solely by an accident within the terms of the policy; that about eight o’clock on the morning of that day, while he was brushing his teeth, a number of the bristles of the tooth brush which he was using became loosened from the brush and lodged in his throat, causing violent coughing, choking, vomiting and strangling, resulting in his death about noon of the same day. The defendant company, in its affidavits of defense, denies these averments, and alleges that the death of the assured resulted directly and exclusively, and independently of any accident, from organic lesions or disease, and not from an accident within the meaning of the policy.

It appears from the testimony of his wife that Eby was apparently in good health prior to the accident, and had not theretofore been in bad health; that about eight o’clock, on the morning of April 13th, he arose from his bed and went into the bathroom, was suddenly seized-with violent choking and strangling, became sick, and died about noon of that day. Under objection and exception, the plaintiff introduced testimony to prove the cause of his death, as laid in the statement.

Medical experts, including the attending physician, were called by the plaintiff,, and they testified that, in their opinion, Eby’s death was caused by cerebral hemorrhage, superinduced by coughing, strangling and vomiting. The physicians called by the defendant, among them being the physician who held the post mortem examination two months after the death, were [529]*529of the opinion that death did not result from cerebral hemorrhage but from natural causes; that the symptoms testified to by the attending physician were not those of cerebral hemorrhage; and that such hemorrhages are not caused by spasms of coughing. .

The learned trial judge, in an exceptionally clear charge, submitted to the jury to determine whether (a) Eby sustained internal injury from the bristles of the tooth brush which became unexpectedly detached and lodged in his throat, causing the choking and producing a hemorrhage which resulted in death; (b) if he did sustain an injury as alleged, it was effected through external, violent and accidental means, independently of all other causes, within the sense and meaning of the policy of insurance; and (c), if he was injured as claimed, that injury was the proximate cause of his death. The jury returned a verdict for the plaintiff, and, from the judgment entered thereon, the defendánt has appealed. The errors assigned are to certain hillings on testimony, to a paragraph in the charge referring to certain evidence admitted under objection, and refusal , of points for charge, all of which were requests for binding instructions for defendant.

The questions, involved, as stated by appellant, are: The admissibility of the testimony of the wife as to declarations of the deceased made fifteen minutes or more, after the happening of the alleged accident; the admissibility of statements as to the cause of illness .made by the deceased to the attending physician two hours after the accident; the admissibility of evidence offered by defendant in surrebuttal; and the refusal of binding instructions.

The appellant contends that the declarations made to the wife were not part of *the res gestse, as they had no causal connection with the accident, were too far removed, in point of time, from it, and, therefore, made after a break in the continuity of events which changed them, into the. narration of a past occurrence, they do not [530]*530exclude the presumption that they were the result of premeditation and design.

In determining the first question, it is necessary to direct attention to Mrs. Eby’s testimony, showing the declarations of the deceased and the circumstances under which they were admitted, in connection with the ruling of the court. She testified that her husband was never sick; that he was well when they retired on the night of April 12th, and slept soundly all night; that she arose about half past seven on the morning of the 13th, her husband being then awake; that she dressed and went downstairs to prepare breakfast, and about half an hour later heard her husband get up and go to the bathroom, this being about eight o’clock; that she heard the water running and then heard him coughing- and strangling, and ran upstairs “and he was strangling; the water was running from his mouth. He tried to tell me to ’phone for the doctor but couldn’t.” He tried to talk; she took him back to the bathroom and gave him some listerine. “His face was black—black as a stove, and he was choking and strangling.” Being asked how long it was before he recovered his speech, she said, “about ten or fifteen minutes before he could speak to me.” On her being asked: “Then what did he say?” an objection was interposed, and plaintiff made an offer to prove all the acts and declarations of the insured from the time she heard him coughing up to the time of his death, as part of the res gestas. The trial judge ruled that, “it appearing from the testimony that the wife went to the bathroom upon hearing her husband coughing; that she found him unable to speak for ten or fifteen minutes because of his physical condition, but that he did speak immediately upon acquiring the power of speech; and it appearing that the whole act was one continuous act,..... the statements are to be treated as part of the res gestee and are admissible in evidence.” Mrs. Eby was then asked: “When your husband......recovered his power of speech, or was able to speak, what did he say to you?” [531]*531She answered: “I asked what happened, and he said he was cleaning his teeth, and some bristles came out of the brush and lodged in his throat and he almost choked to death because they were sticking in his throat.” She testified that she gave him some listerine which cleared his throat for a little while, and he said that he thought they had gone down; that he complained of a severe pain in his head and laid down for awhile, but later went downstairs. She said that she saw no bristles in his throat, though she looked, but that there were loose bristles on the washstand and in the basin. She also testified that while he was still standing at the básin he said, “I will never use a bristle brush again, I am going to get a rubber one to-day.” She telephoned Dr. Kirkpatrick sometime after nine o’clock, and the doctor came about ten and gave him some tablets. The doctor was summoned again near noon, and shortly after he arrived her husband' had a severe coughing and choking spell, followed by a hemorrhage from the nose and a convulsion, in which he died within a few minutes. Dr. Kirkpatrick corroborated Mrs. Eby’s testimony as to what occurred after he arrived at the house.

The ruling of the court admitting this evidence is challenged in the first assignment of error. We are of opinion that the declarations or statements made by the assured to his wife were part of the res gestee, and were, therefore, properly admitted in evidence.

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Bluebook (online)
102 A. 209, 258 Pa. 525, 1917 Pa. LEXIS 881, Counsel Stack Legal Research, https://law.counselstack.com/opinion/eby-v-travelers-insurance-pa-1917.