Hall v. General Accident Assurance Corp.

85 S.E. 600, 16 Ga. App. 66, 1915 Ga. App. LEXIS 502
CourtCourt of Appeals of Georgia
DecidedFebruary 18, 1915
Docket5725
StatusPublished
Cited by44 cases

This text of 85 S.E. 600 (Hall v. General Accident Assurance Corp.) is published on Counsel Stack Legal Research, covering Court of Appeals of Georgia primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Hall v. General Accident Assurance Corp., 85 S.E. 600, 16 Ga. App. 66, 1915 Ga. App. LEXIS 502 (Ga. Ct. App. 1915).

Opinion

Bussell, C. J.

Oh June 26, 1913, suit was brought in the city court of Macon upon a policy of accident insurance, issued in favor of the plaintiff upon the life of Judge John I. Hall. On September 12, 1913, the defendant company filed a petition and a bond in the city court for the purpose of having the cause removed to the district court of the United States for the southern district of Georgia, and an order was entered approving the bond and granting the petition for removal. Thereafter, on December 12, 1913, the defendant company filed an answer to the suit in the city court of Macon. Prior to this date no pleading of any kind had been filed by the defendant in the city court. On December 19, 1913, the defendant filed in the city court a petition that the case be again placed upon the docket of that court, subject to be called up and tried. With this petition, and as a part thereof, the defendant filed an order from the district court of the United States, dated December 11, 1913, directing that the case be remanded to the city court. On December 22, 1913, an order that the case be re-docketed in the city court was entered, and on December 27, 1913, the defendant filed in that court another answer to the suit. On January 17, 1911, the plaintiff filed a motion to strike the defendant’s answers, upon the ground that they were not filed within the time allowed by law, and insisted that the case was legally in default in both the United States court and the city court, no defense having been filed in the United States court while the case was there pending, and none in the city court in due time. The court overruled the motion to strike the answers, and to this ruling exception is taken.

The evidence adduced tended to show that at the time of the injury Judge Hall was seventy-two or seventy-three years of age; a large, tall, heavy, fleshy man. He had an incurable chronic case of interstitial Bright’s disease for about two years prior to his injury. The contract of insurance was made twenty-six days prior to the injury. It was made upon statements made by him and warranted to be true. So far as the record shows, the company knew of his age, his physical condition, and the state of his health at the time of the issuance of the policy. At the time of his injury he was regularly engaged in the practice of law, daily pursuing the duties of that profession. His office was on the second floor of a building in which there was no elevator, and had to be reached by a flight [69]*69of marble steps without any banister, or railing — a treacherous place. He constantly ascended and descended these steps without assistance, and walked from his home to his office twice each day. On Saturday before the injury on Monday he left his home in Macon and went to Griffin alone, to spend the week end, returning home alone on Sunday afternoon. Monday morning he was at his office, although it was a raw, cold, drizzly, rainy day (the 23d day of December). He went home to his dinner as usual. After dinner, although it was raining quite hard, he started back to his office. While going down hill in the rain with his umbrella over him, he started to leave the sidewalk and cut across the street, “he stepped off the curbing and slipped,” his foot “went from under him,” and “he went down in a heap.” He was picked up out of the gutter and carried into a near-by church out of the rain. He was then carried in a hack to his home. He was suffering pain and was unable to walk. He could not bear his weight on his injured leg. He was badly bruised about the buttock and on the knee, and abrased about the scalp. The symptoms were such that the attending physician thought his hip was fractured. It was only by waiting until the next day and resorting to measurements that it was determined that his leg was not broken. However, when first injured, he was perfectly conscious and rational, and he continued so during the day and the following night. The next morning there was a slight increase of temperature, “and that condition gradually progressed until his death,” a week later. A physician testified that if a man of his size, weight and general physical condition, in consequence of his foot slipping from under him, fell upon a sidewalk or against a curbing, “such an occurrence was one that was calculated to cause the death of such a man.” He testified also that in his opinion the fall precipitated uremic poison, which is the terminal state of chronic Bright’s disease, and caused the death; that in his opinion the fall “precipitated the uremia which caused his death;” also that he had been afflicted with chronic Bright’s disease for at least two years, perhaps longer; and “if there had been no interference, that condition of the kidneys would have killed him.” However, he could not say that it would have caused his death at that time. How long it would have been reasonably possible for a man in his condition to live if nothing extraordinary had happened to him, the [70]*70witness "could not say, for the simple reason that he might have lived a year, he might have lived two years, and he might have lived a week, and he might not have lived more than one day. You can not prognose conditions of that kind at all with any degree of extent [certainty?]. I can say he might have lived two years.” He testified also that he regarded Judge Hall, considering his age, etc., as a man of unusual constitution, with very good recuperative powers. The plaintiff (a son of the deceased) testified that he had been closely associated with his father for many years, and that a very slight illness would make him more or less delirious, and he would very quickly recuperate; but that the progress of his condition from the time of his fall was steadily worse. At the conclusion of this evidence the court, on motion of the defendant’s counsel, granted a nonsuit; and to this -judgment exception is taken.

The assignment of error in which complaint is made that the court erred in refusing to strike all of the defendant’s pleas, because they were filed too late, raises an important question of practice, which is further complicated by the fact that at the time the United States district court remanded the cause to the city court of Macon no answer had been filed in the United States court, 'although the case had been pending therein for a period longer than that allowed for the filing of a plea; and since we are of the opinion that the judgment should be reversed upon the award of a nonsuit, we do not deem it best to undertake at the present time to adjudicate the merits of the assignment of error in regard to the court’s refusal to strike the plea of the defendant, when the decision must be rendered by only two judges of this court and therefore would not have the same finality as a conclusion reached by a full bench. The omission to decide this point at this time will not prejudice the rights of the parties, since the exceptions to the ruling of the trial judge have been preserved by timely exceptions pendente lite.

1. In our opinion the learned trial judge erred in awarding a nonsuit, the judgment being based, in our opinion, upon a construction of the language of the policy of accident insurance so strictly literal as to defeat the intention of the parties, and, as we think, losing sight of the fact that the stipulations relied on for defense necessarily referred to the prime controlling proximate cause of the injury, — the causa causans, without which death would not have resulted at the time that it did. To our minds, the fact [71]

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Bluebook (online)
85 S.E. 600, 16 Ga. App. 66, 1915 Ga. App. LEXIS 502, Counsel Stack Legal Research, https://law.counselstack.com/opinion/hall-v-general-accident-assurance-corp-gactapp-1915.