Fidelity Service Ins. Co. v. Jones

191 So. 2d 20, 280 Ala. 195, 1966 Ala. LEXIS 893
CourtSupreme Court of Alabama
DecidedSeptember 15, 1966
Docket6 Div. 122
StatusPublished
Cited by10 cases

This text of 191 So. 2d 20 (Fidelity Service Ins. Co. v. Jones) is published on Counsel Stack Legal Research, covering Supreme Court of Alabama primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Fidelity Service Ins. Co. v. Jones, 191 So. 2d 20, 280 Ala. 195, 1966 Ala. LEXIS 893 (Ala. 1966).

Opinion

COLEMAN, Justice.

Defendants appeal from a judgment for plaintiff in an action on a policy of accident insurance on the life of plaintiff’s son, Kenny Jones.

By the policy, defendants agreed as follows:

“____the Company hereby insures the person named in said schedule against loss of life through accidental means and against loss of sight and limb from injury, subject to all the provisions and limitations hereinafter set out.
“........ If the insured sustains drowning or bodily injury effected solely through violent, external and accidental means, and if such drowning or bodily injury is the direct, independent and proximate cause of the death of the insured within 90 days from the date of such injury, and if such death is not caused or contributed to by disease or infirmity, the Company will on surrender of the policy pay the principal sum specified herein; .... ”

The evidence tends to show the following facts. Insured spent the night at his father’s home. The next morning, insured ate breakfast and walked about a mile to get help to start his truck which he used to haul coal. After work, around 6:00 p. m. that day, insured drove his truck to the home of his father-in-law and parked the truck which was loaded with five or six tons of coal. Insured had coal dust on his clothes. He came into the house. He did not complain of being sick and appeared to be normal. He drank a coca-cola with his father-in-law. Insured went outside and moved his own truck and the father-in-law’s truck. Insured came back into the house and they talked “Maybe fifteen or twenty minutes.” Insured went into the bathroom to clean up. The bathroom had a hard surface, linoleum floor. A small, cloth throw rug, 18 by 30 or 36 inches, was on the floor. Insured closed the bathroom door. The father-in-law heard a noise which sounded “like he knocked something off a shelf” and went to the bathroom door. He heard “him splashing water” and went back and sat down approximately “four minutes, maybe.”

After the interval, the father-in-law jerked the bathroom door open. It, apparently, had been latched with a hook and eye latch. He found insured “slumped over in the *197 tub, with his head under water.” The water was eight or ten inches deep. Insured’s mouth and nose were under the water. He had on his undershirt and shorts. The “little throw rug was 'sorter around his feet.” The floor was wet and appeared to be slick. The father-in-law found a straight razor under the bath tub. He pulled insured out of the tub. Insured was dead.

The father-in-law saw no bruises or blood on insured’s head. The water in the tub appeared to be dirty and it appeared to the father-in-law that insured had bathed. His body appeared to be clean. No autopsy was performed.

Defendants introduced a certified copy of a death certificate which recites in part as follows:

“Part 1. Death was Caused By: “Immediate Cause (a) Accidental Drowning
“DESIGNATE BELOW HOW ■ INJURY OCCURRED:
“This person was preparing to take a bath, Apparently .had a blackout which he was subject to and fell over into tub Breaking his nose and drowning.”

The certificate shows insured’s age as thirty-five years.

A physician testified that he knew insured and had treated him for the first time on August 29, 1959. On the first visit, insured told the doctor that insured had had a nervous breakdown. The doctor prescribed a tranquilizer. Insured also had a few pus cells in his urine and for this the doctor gave a sulfa drug. The following week, the doctor gave insured “Stalazine, for nervousness.” That was the extent of the treatment. The doctor checked for pus in insured’s kidneys on the second visit and he had no pus. No other prescription was given.

Insured’s third visit to the doctor was about two and one-half years later. Insured complained of hurting all over and of nervousness and headaches.' He made no complaint of dizziness. The doctor gave an injection of penicillin and a prescription for Signemycin. No other treatment was given.

The doctor saw insured for the fourth time about two months later. He complained of “being nauseated, also having cold sweats and tochycardia,” which “is a rapid pulse.” It might be tied in with dizziness. Insured was given “Milpath, and Riopan,” which might be used in treatment of ulcers or in the treatment of a nervous stomach. The doctor did not make a diagnosis of insured’s case; his physical examination was negative. He did complain of dizziness at that time.

The fifth and last visit to the doctor’s office was about ten months later, on February 15, 1963. This was three weeks prior to insured’s death on March 8, 1963. On this last visit, insured complained that he had “blacked out at work that morning” and of a headache and of his jaws and arms being sore. The doctor prescribed “librium, and Butigetic, that is an aspirin-like drug.”

On cross-examination, the doctor testified that on the fourth visit, almost eleven months before insured’s death, one reason he made no diagnosis was because his physical examination showed nothing wrong with insured; that dizziness and nausea can be caused by a number of things; that a cold can make a man dizzy, if the inner ear is affected, and could cause nausea and sweats; and that insured had never given any history of blackout on or before the fourth visit. The doctor further testified that on the fifth visit, insured had said he had “blacked out” at work, but the doctor did not know whether insured meant that he was unconscious or whether he got sick and sat down; that he did a complete physical on insured at that time and did not find anything wrong with him; that insured complained that one time about “blackouts”; *198 that the doctor did not know what caused insured 'to fall, if he fell at the time of his death; that the only disease the doctor ever found insured suffering from was nervousness ; that on the fifth visit the doctor recommended that insured go to the hospital for examination and observation to try to find out “why he became dizzy, why he fainted”; that the only thing the doctor ever found wrong with insured was a nervous condition and a kidney condition; and that;was over a period of four or four and a half years,

•1.

■Defendants argue four grounds for reversal.- First, defendants say the court erred in refusing to give the affirmative charges, with; hypothesis "which defendants requested in writing..

-> Defendants say that “The lower court properly admitted the death certificate as evidence-of the facts therein stated, .... and it is óur contention that this evidence constituted all of the evidence relating to the cause of 'the death of the insured”; that the explanation on the certificate shows that insured’s death' was not an accident but was “caused from a physical illriess or condition which was stated as being a ‘blackout’ ”; and, therefore, that plaintiff failed to show that he is entitled to recover because the policy' does not provide insurance when the 4eath of insured “resulted directly or indirectly from disease or bodily infirmity provided such disease or bodily infirmity was an efficient cause of death.”

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Bluebook (online)
191 So. 2d 20, 280 Ala. 195, 1966 Ala. LEXIS 893, Counsel Stack Legal Research, https://law.counselstack.com/opinion/fidelity-service-ins-co-v-jones-ala-1966.