Hartford Accident and Indemnity Co. v. Cox

6 S.E.2d 189, 61 Ga. App. 420, 1939 Ga. App. LEXIS 309
CourtCourt of Appeals of Georgia
DecidedNovember 3, 1939
Docket27521.
StatusPublished
Cited by9 cases

This text of 6 S.E.2d 189 (Hartford Accident and Indemnity Co. v. Cox) 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
Hartford Accident and Indemnity Co. v. Cox, 6 S.E.2d 189, 61 Ga. App. 420, 1939 Ga. App. LEXIS 309 (Ga. Ct. App. 1939).

Opinion

Guerry, J.

This is a workman’s compensation case. On the morning of April 6, 1936, a terrible tornado visited Gainesville, *421 Georgia, and eut a swath nearly a half mile wide through the town, killing 200 people and injuring nearly 1000. It destroyed or injured beyond repair 85 brick stores and factories, heavily damaged 53 stores, and slightly damaged 116 others. Approximately 320 frame buildings were injured beyond repair, 110 were heavily damaged, and 309 were slightly damaged. Among the buildings destroyed was the Hall County court-house, a solid brick structure. In 1880 a windstorm or tornado visited Gainesville, and again, in 1903, a tornado killed approximately 100 people. A slighter windstorm did considerable damage in 1935. On this morning Mrs. Stanton Cox was employed by the Gallant-Belk Company, and was at her post of duty in a store building located on the east side of the public square in Gainesville. The Gallant-Belk Company was subject to the provisions of the -workmen’s compensation act. This store building was a two-story, brick structure, 22 feet wide and 145 feet long, with walls 14 inches thick. The front part of this building, for 50 or more feet back, Avas demolished by the tornado, including a portion of the front wall, down to the level of the first floor. The side Avail for 50 feet also collapsed. Mrs. Cox was killed during the tornado. Claim Avas made by her dependents for compensation. Compensation Avas awarded by the sole commissioner; his finding Avas approved by the full board, and this finding was approved by the superior court. The question presented is Avhether the death was sustained by Mrs. Cox out of and in the course of her employment.

The opinion and award written by Director Stanley is an unusually fine discussion of the Avorkmen’s compensation laAv in reference to the definitions of an accident and to the much discussed and variously decided terms in reference to injuries “which arise” “out of” and “in the course of” employment. We concur with the director’s opinion that “any injury caused by the elements is necessarily an accident within the definition of that term.” We also concur in his quotation from Bryant v. Bissell, 84 N. J. L. 72 (86 Atl. 458) : “To warrant a recovery it must appear that (a) there was an accident, (b) arising out of, and (c) in the course of the employment.” Judge Bell in New Amsterdam Casualty Co. v. Sum rell, 30 Ga. App. 682 (118 S. E. 786), first defined and decided these principles of the law as applied to the Georgia statute Avhen he said: “An injury arises fin the course of employment,’ within *422 the meaning of the workmen’s compensation act, when it occurs within the period of the employment; at a place where the employee reasonably may be in the performance of his duties, and while he is fulfilling those duties or engaged in something incidental thereto.” He further said, “An accident arises ‘out of’ the employment when it arises because of it, as when the employment is a contributing proximate cause. This and the condition stated above must concur before the act can apply.” As was said in Maryland Casualty Co. v. Peek, 36 Ga. App. 557, 559 (137 S. E. 121), “The terms ‘in the course of’ and ‘out of’ are not synonymous. Both must concur to render the case a compensable one.”

We may say in the present case that there was an accident and injury which arose in the course of the employment. The facts are undisputed. Did -these facts warrant the conclusion of law as drawn therefrom so as to authorize a finding that the injury arose “out of” the employment? In the Peek case, supra, the rule as laid down by the text-book writers on this subject has been adopted in this State as follows: “There must be a causal connection between the employment and the injury, and the injury must be the rational consequence of some hazard connected with the employment.” (Italics ours.) The danger to which the employee is exposed may originate either from the employment or outside of it, if the exposure is peculiar to it. Corpus Juris, Workmen’s Compensation Acts, 74, § 65. “It is not enough to say that the accident would not have happened if the servant had not been engaged in the work at the time, or had not been at that place. It must appear that it resulted from something he was doing in the course of his work, or from some peculiar danger to which his work exposed him.” 1 Honnold’s Workmen’s Compensation Law, 320, § 101; 1 Schneider’s Workmen’s Compensation Law, 737, § 262. With this construction and definition we may say that the rule as stated above is in accord with all the authorities almost without exception. Its application to particular facts seems to have given rise to a diversity of results.

The injury in the present case was the result of the forces of nature, or “the elements,” or “an act of God.” 1 Honnold’s Workmen’s Compensation Law, 428, § 119, says in reference to injuries caused by “the forces of nature”: “But where the work and the method of doing the work expose the employee to the forces of *423 nature to a greater extent than he -would be if not so engaged, the industry increases the danger from such forces and the employer is liable.” 1 Schneider’s Workmen’s Compensation Law, 1141, said: “When the workman by reason of his employment is more exposed to injury by lightning than are others in the same locality and not so engaged, the injury may be said to arise out of the employment; whenever it appears that nothing in the nature of the employment has exposed him to any more danger than that shared in common by the general community, the accident does not arise out of the employment and is not compensable.” The question for determination under each state of facts presented is, “Did the employment increase the danger?” 71 C. J. 757, § 470, says: “Injuries sustained by employees as a result of windstorms or .tornadoes are not ordinarily compensable where such employees are not, as such, exposed to the risk of such harm to a greater degree than the public generally in the same vicinity, but compensation may be had where the injured employee is by reason of his employment specially exposed to injury from such causes.” McNicol’s case, 215 Mass. 497 (102 N. E. 697, L. R. A. 1916A, 306), is possibly the leading case in stating this principle, and what is there said is in consonance with the Peek case from this court and the texts cited above. There a^e. countless opinions attempting to apply these principles to the particular facts for decision, and we are not able to make all the distinctions that seem to be drawn from the particular facts under consideration in each special case. In Walker v. Wilkins, 212 N. C. 627 (194 S. E. 89), it was held that an injury to an employee when a tornado suddenly demolished the building in which he was at work was not compensable as an accident which arose out of and in the course of his employment, since there was no causal connection between the employment and the accident. The facts in the Walker case, supra, were that about 7:13 p. m. on April 3, 1936, when Charlie Walker was at work in the plant of his employer, J. D.

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Bluebook (online)
6 S.E.2d 189, 61 Ga. App. 420, 1939 Ga. App. LEXIS 309, Counsel Stack Legal Research, https://law.counselstack.com/opinion/hartford-accident-and-indemnity-co-v-cox-gactapp-1939.