Higgins v. Standard Lloyds

149 S.W.2d 143
CourtCourt of Appeals of Texas
DecidedJanuary 23, 1941
DocketNo. 11096.
StatusPublished
Cited by15 cases

This text of 149 S.W.2d 143 (Higgins v. Standard Lloyds) is published on Counsel Stack Legal Research, covering Court of Appeals of Texas primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Higgins v. Standard Lloyds, 149 S.W.2d 143 (Tex. Ct. App. 1941).

Opinions

This action was brought in the County Court at Law of Harris County by appellant, E. N. Higgins, as beneficiary under an automobile collision policy issued by appellee, Standard Lloyds, to recover damages to his automobile caused by an accidental collision with another automobile. Appellee, Mossler Acceptance Company, was made a party defendant under allegations that it was making some claim to the proceeds of said policy.

Appellees answered by general demurrer, exceptions and general denial. Appellee, Standard Lloyds, alleged that appellant was bound by the terms of said insurance policy, which provided that its maximum liability was what if would cost to replace the automobile or its parts and that it was not liable for recovery of damages thereto while the automobile was being used as a public or livery conveyance. It denied liability on the ground that said automobile was in the taxicab service at the time of said collision.

Appellee, Mossler Acceptance Company, by cross-action, sought recovery against appellant of the sum of $68.72, alleged to have been the balance due it by appellant *Page 145 on a note given as part of the purchase price of said automobile.

At the conclusion of the evidence, upon motion by both appellees, the court instructed the jury to return a verdict for appellees and in favor of appellee, Mossler Acceptance Company, on its cross-action for the sum of $68.72, with interest. On the return of said verdict judgment was rendered accordingly.

Appellant assigns error in the court's action in directing said verdict and in rendering a judgment thereon, for the alleged reason that the testimony presented fact issues which should have been submitted to the jury for determination.

The record shows that appellant purchased the automobile in question on October 6, 1936. As a part of the purchase price therefor he executed his note for the sum of $898.20, payable in monthly installments of $29.94, and secured by a chattel mortgage on the automobile. This note and the chattel mortgage by which it was secured were assigned to appellee, Mossler Acceptance Company.

Appellee Standard Lloyds issued its policy of insurance covering damages from collision to said automobile, with a $25 deductible clause, on May 2, 1938. The loss under said policy was payable to appellant and appellee, Mossler Acceptance Company, as their interest might appear. Said policy provided for the payment of direct damage to said auitomobile and its operating equipment caused by accidental collision, but expressly excluded loss incurred while it was being used as a public or livery conveyance or while carrying persons for a consideration. It provided that the company's liability for damage to the automobile should not exceed the actual cash value thereof at the time the damage occurred or the amount it would then cost to repair it or replace its damaged parts.

The automobile in question was damaged in a collision with another automobile in the City of Houston on October 23, 1938. At the time of said collision said policy of insurance was in full force and effect.

The sole question presented in this appeal is whether there is any evidence in the record which, when considered: by, itself, would, if accepted as true by the jury, raise an issue of fact under which the judgment rendered by the trial court in favor of appellees might be rendered in favor of appellant.

It is the established rule in this state that, as against an instructed verdict, the testimony of the party against whom such judgment is rendered must be taken as true and that he must be given the benefit of all fact evidence, circumstantial or otherwise, bearing on his cause of action, as well as all reasonable inference arising therefrom. Lawson v. Hutcherson, Tex.Civ.App. 138 S.W.2d 131; Owen v. Al Parker Securities Co. et al., Tex.Civ.App. 296 S.W. 620, affirmed Tex.Com.App., 1 S.W.2d 271; Coca-Cola Bottling Co. v. Dickson, Tex.Civ.App. 115 S.W.2d 1223; Dendy v. Cockerham et ux., Tex.Civ.App. 82 S.W.2d 756; Texas Emp. Ins. Ass'n v. Ritchie, Tex.Civ.App. 75 S.W.2d 942; Panhandle S. F. Ry. Co. v. Jones, Tex.Civ.App. 105 S.W.2d 443.

This rule is followed in the case of Bragg v. Houston Electric Company, Tex.Civ.App. 264 S.W. 245, 251, in which the court in its opinion, quoting from the Supreme Court of, the State of Ohio in the case of Hickman v. Ohio State Life Insurance Company, 92 Ohio St. 87,110 N.E. 542, lays down the fol1owing rule: "Where there is no dispute or conflict in the testimony of different witnesses, but nevertheless the unconflicting testimony discloses a variety of circumstances from which different minds may reasonably arrive at different conclusions as to the ultimate fact shown by such evidence, then it is the duty of the jury to determine such ultimate fact, even though the trial judge should himself be convinced as to what the conclusion should be."

In the case of Needham v. American Nat. Insurance Co., Tex.Civ.App.97 S.W.2d 1016, 1020, it is said: "While appellee offered sufficient evidence to raise jury issues on the questions raised by its pleadings, this being an appeal on peremptory instructions against appellant, we shall not review appellee's evidence, for, under the disposition of the case against a plaintiff on peremptory instruction, appellant's evidence must be taken as true, and every reasonable inference arising from such evidence must be indulged in favor of appellant, notwithstanding all such evidence may have been contradicted by substantial evidence offered by appellee, and a contrary reasonable inference could have been indulged", citing Bragg v. Houston Electric *Page 146 Co., Tex.Civ.App:, 264 S.W. 245; First National Bank of Amarillo v. Rush, Tex.Com.App., 210 S.W. 521; Gattis et al. v. Kirk et al., Tex.Civ.App.12 S.W.2d 589; Shaffer v. Rhyne et al., Tex.Civ.App. 75 S.W.2d 133; 3 Tex.Jur., 1050.

It is held in the case of Kleising v. Miller et al., Tex.Civ.App.83 S.W.2d 732, 733, that: "The test to be applied in determining whether the trial court is authorized to instruct a verdict is whether there is any evidence which, when considered by itself, would, if accepted as true by the jury, raise a fact issue. Thomas v. Postal [Telegraph-Cable] Company (Tex.Com.App.) 65 S.W.2d 282; Stinnett v. [Gulf, C. S. F.] Railway Co. (Tex.Civ.App.) 38 S.W.2d 615."

Free access — add to your briefcase to read the full text and ask questions with AI

Related

American Manufacturers Mutual Insurance Co. v. Schaefer
124 S.W.3d 154 (Texas Supreme Court, 2003)
Smither v. Progressive County Mutual Insurance Co.
76 S.W.3d 719 (Court of Appeals of Texas, 2002)
Schaefer v. American Manufacturers Mutual Insurance Co.
65 S.W.3d 806 (Court of Appeals of Texas, 2002)
Carlton v. Trinity Universal Insurance Co.
32 S.W.3d 454 (Court of Appeals of Texas, 2000)
Frymire Engineering Company, Inc. v. Grantham
517 S.W.2d 820 (Court of Appeals of Texas, 1975)
American Standard County Mut. Ins. Co. v. Barbee
262 S.W.2d 122 (Court of Appeals of Texas, 1953)
Sastre v. Cabrera Raldiris
75 P.R. 1 (Supreme Court of Puerto Rico, 1953)
Continental County Mut. Ins. Co. v. Ivy
256 S.W.2d 640 (Court of Appeals of Texas, 1953)
Smith v. American Fire & Casualty Co.
242 S.W.2d 448 (Court of Appeals of Texas, 1951)
Trotter v. United States
95 F. Supp. 645 (W.D. Louisiana, 1951)
Moritz v. Byerly
185 S.W.2d 589 (Court of Appeals of Texas, 1945)

Cite This Page — Counsel Stack

Bluebook (online)
149 S.W.2d 143, Counsel Stack Legal Research, https://law.counselstack.com/opinion/higgins-v-standard-lloyds-texapp-1941.