Guinto v. Philadelphia Fire & Marine Insurance

21 Pa. D. & C. 573, 1934 Pa. Dist. & Cnty. Dec. LEXIS 166

This text of 21 Pa. D. & C. 573 (Guinto v. Philadelphia Fire & Marine Insurance) is published on Counsel Stack Legal Research, covering Pennsylvania Court of Common Pleas, Westmoreland County primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Guinto v. Philadelphia Fire & Marine Insurance, 21 Pa. D. & C. 573, 1934 Pa. Dist. & Cnty. Dec. LEXIS 166 (Pa. Super. Ct. 1934).

Opinion

Copeland, P. J.,

We gather from the papers in this case that the action is one of assumpsit to recover for loss by fire upon a policy of insurance issued by the defendant company, a copy of which is attached to the plaintiff’s statement of claim, being a standard form of policy in use in Pennsylvania, which was issued on June 8,1931, for a period of 1 year expiring June 8, 1932.

This policy contained this provision: “No suit or action on this policy for the recovery of any claim shall be sustainable in any court of law or equity unless the claimant shall show compliance with all the requirements of this policy nor unless commenced within 12 months next after the fire.”

[574]*574The plaintiff’s statement of claim shows that the fire occurred on March 20, 1932. On October 21,1932, the plaintiff filed a prsecipe for summons in assumpsit and on the same day filed his statement of claim. On the same day that the prsecipe and statement of claim were filed, a summons in assumpsit was issued, made returnable to the first Monday of November 1932.

This summons did not reach the sheriff’s office until after its return day, and therefore was returned by the sheriff “tarde venit”. Nothing more was done in this case until January 15, 1934, on which date a prsecipe for an alias summons was filed, and on the same date an alias summons in assumpsit was issued, returnable the first Monday of February 1934.

This summons was promptly placed in the hands of the Sheriff of Westmoreland County, who deputized the Sheriff of Philadelphia County to serve the writ, together with a copy of the plaintiff’s statement of claim, upon one of the executive officers of the defendant company, Philadelphia Fire & Marine Insurance Company, a corporation.

This summons, together with a copy of the plaintiff’s statement of claim, was served by Richard Weglein, Sheriff of Philadelphia County, on January 16, 1934, and return of service by the Sheriff of Philadelphia County made to the Sheriff of Westmoreland County, who filed his return along with the return of service of the Sheriff of Philadelphia County.

On January 24, 1934, Smith, Best & Horn, attorneys at law, filed their appearance for the defendant. On the same date, to wit, January 24, 1934, a motion and reasons for a non pros, were filed, which read as follows:

“Philadelphia Fire & Marine Insurance Company, a corporation, defendant in the above action, by its attorneys Smith, Best & Horn, moves the court to enter judgment of non pros, on the pleadings of record and in support of said motion assigns the following reasons:

“First: Plaintiff’s statement of claim alleges cause of action by reason of a fire loss occurring March 20,1932 (paragraph 8 of the statement of claim).
“Second: The liability of the defendant is asserted upon a, policy of insurance attached to and made part of plaintiff’s statement of claim, marked exhibit A, which provides: ‘No suit or action on this policy for the recovery of any claim shall be sustainable in any court of law or equity unless the claimant shall show compliance with all the requirements of this policy nor unless commenced within 12 months next after the fire.’
“Third: On October 21, 1932, plaintiff filed its praecipe for summons in assumpsit returnable to the first Monday of November 1932, together with statement of claim.
“Fourth: The summons in assumpsit issued by the prothonotary on October 21, 1932, was not served but returned by the Sheriff of Westmoreland County ‘tarde venit’, which said return is endorsed thereon.
“Fifth: An alias summons in assumpsit was issued on January 15,1934, and served in the manner more particularly set forth by the return of the sheriff endorsed thereon.
“Sixth: No suit or action upon the policy issued by the defendant company was commenced within 12 months next after the fire.”

On the presentation of this motion to the court, a rule was granted upon the plaintiff to show cause why a judgment of non pros, should not be entered. This rule was made returnable 15 days after service.

An answer to the motion and rule was filed on February 1,1934, which is as follows:

“Antonio Guinto, plaintiff in the above entitled action, by one of his attorneys, Willis E. Ruffner, makes answer to the motion filed by the defendant’s attorney for a judgment of non pros.' and the reasons assigned therefor as follows, to wit:
[575]*575“First: Defendant contends that ‘no suit or action upon the policy issued by the defendant company was commenced within 12 months next after the fire’, losing sight of the fact that the plaintiff filed its praecipe for summons in assumpsit, together with a statement of claim, on October 21, 1932, or within 12 months succeeding the fire, which occurred on March 20, 1932.
“An original writ issued on October 21, 1932, which was placed promptly in the hands of the Sheriff of Westmoreland County, Pa.
“Second: The 12-months’ period above mentioned is, according to the authorities, to be counted from the return day of the writ, original or alias, said authorities holding that alias and even pluries writs are a continuance of the original process and not the inception of a fresh suit.
“Third: Since it appears, then, that this suit was as a matter of law instituted ‘within 12 months next after the fire’, counsel for the plaintiff moves your honorable court to dismiss the rule granted in this case, and further that the defendant be directed to file an affidavit of defense without further delay.”

With the petition and answer thus filed, the case was placed on the regular argument list beginning Monday, June 4, 1934, at which time the case was argued.

The clause in the policy providing a limitation of 12 months in which to bring suit after the date of the fire is binding on the insured, and that provision means just what it says “12 months next after the fire” causing the loss for which claim is made.

It is said, in the first paragraph of the syllabus in the case of Abolin v. Farmers American Mutual Fire Insurance Company of Bucks County, 100 Pa. Superior Ct. 433: “A clause in a policy of fire insurance providing that ‘no suit or action on this policy for the recovery of any claim shall be sustainable in any court of law or equity . . . unless commenced within twelve months after the fire,’ is valid, and bars any suit or action on the policy more than twelve months after the fire”.

This syllabus is fully supported by the opinion of Judge Keller and the authorities he has therein cited.

In that case, Judge Keller said (p. 435): “The period is not unreasonable; it is lawful for the parties so to contract, and such a provision is binding on them: Atlas Mutual Ins. Co. v. Downing, 12 Pa. Superior Ct. 305; Wernick v. Pittsburgh Underwriters Agency, 90 Pa. Superior Ct. 186; North Western Ins. Co. v. Phoenix Oil & Candle Co., 31 Pa. 448; Watters v. Fisher, 291 Pa. 311; King v. Ins. Co. 47 Hun. 1; Schroeder v. Keystone Ins. Co. 2 Phila. 286.”

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Bluebook (online)
21 Pa. D. & C. 573, 1934 Pa. Dist. & Cnty. Dec. LEXIS 166, Counsel Stack Legal Research, https://law.counselstack.com/opinion/guinto-v-philadelphia-fire-marine-insurance-pactcomplwestmo-1934.