Independent Life & Accident Insurance v. Mullins

173 So. 2d 663, 252 Miss. 644, 1965 Miss. LEXIS 1135
CourtMississippi Supreme Court
DecidedApril 5, 1965
Docket43414
StatusPublished
Cited by9 cases

This text of 173 So. 2d 663 (Independent Life & Accident Insurance v. Mullins) is published on Counsel Stack Legal Research, covering Mississippi Supreme Court primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Independent Life & Accident Insurance v. Mullins, 173 So. 2d 663, 252 Miss. 644, 1965 Miss. LEXIS 1135 (Mich. 1965).

Opinion

*647 Inzer, J.

This suit was instituted by appellee, Mrs. Gloria J. Mullins, in the Circuit Court of Simpson County, against the appellant, Independent Life & Accident Insurance Company, whereby she sued to recover benefits under two policies of accidental death insurance. Appellee’s declaration was divided into two counts. Under Count I she sought to recover as beneficiary under Policy No. 0053387A issued by appellant, under which her husband, James M. Mullins, Sr., was the insured. The policy provided for payment of $5,000 to the beneficiary in the event of the insured’s accidental death. Under Count II she sought to recover as beneficiary in Policy No. 0053389Z, under which the appellant insured the life of appellee’s husband for $1,000, but in the event that he met his death by accidental means the policy provided for double the amount of the face value. This is what is commonly known as a double indemnity policy.

The declaration further alleged that on July 2, 1961, while the policies were in full force and effect, that the said James M. Mullins, Sr. met his death as a result of having been accidentally killed by a highway patrolman when insured was not engaged in a felony or was not committing an assault, and was not the aggressor in the disturbance which resulted in his accidental death.

Appellant answered the declaration and admitted the issuance of the two insurance policies. It admitted that James M. Mullins, Sr. died on July 2, 1961, but denied *648 that it was liable under the provisions of the policy. As an additional defense to Count I of the declaration, appellant pled that the death of James M. Mullins, Sr. resulted from an assault in which he was an aggressor, and which he and his brother, Homer Mullins, committed upon a highway patrolman. It alleged further that the highway patrolman intentionally killed the deceased. Appellant alleged that these circumstances brought the death of the insured within the exceptions contained in the policy. In answer to Count II of the declaration, appellant alleged that the death came within the exceptions of this policy also, and further pled it had paid appellee $1,000 as death benefits and that she had accepted it as full settlement of the amount due.

A trial was had upon the issues raised by the pleadings, and the jury returned a verdict in favor of Mrs. Mullins for $6,000. A judgment was entered accordingly, and from this judgment the Independent Life & Accident Insurance Company has appealed to this Court.

Appellant contends among other tilings that appellee failed to meet the burden of proof to show that the insured’s death was accidental within the meanings of the policies. The fact that the insured was shot and killed by a patrolman is not disputed. There were only two living expenses to the shooting. They were the patrolman and Homer Mullins, brother of the deceased. The patrolman testified that he shot the insured because he and his brother, Homer Mullins, were committing an assault upon him, at a time when they were under arrest and being transported by him to jail. On direct examination, he testified that he intended to kill both men in order to protect himself. However, on cross-examination he admitted that he had testified in the case of State of Mississippi v. Homer Mullins, where Homer was tried for assault and battery with intent to kill and murder the patrolman, that when he shot he did not intend to hurt anyone, but was only trying *649 to get himself free and to protect himself. He then stated that was what actually happened, and that it was his testimony in this case also. This conflict in the testimony of the patrolman made it a question of fact for the jury to determine whether or not the patrolman intended to kill the insured at the time he shot and killed him. Hutson v. Continental Cas. Co., 142 Miss. 388, 107 So. 520 (1926); Provident Life & Acc. Ins. Co. v. McWilliams, 146 Miss. 298, 112 So. 483 (1927). The substance of Homer Mullins’ testimony is to the effect that he and his brother left his home in Flora at about five o’clock in the afternoon on July 2, 1961 and were on their way to Greenwood at the time they were arrested by the patrolman. He admitted that he and his brother had been drinking on this day, that they started drinking beer that morning and at the time of their arrest each had consumed about eleven bottles of beer. They were arrested late that afternoon about three miles north of Tchula. They were riding in Homer’s car and Homer was driving at the time the patrolman stopped the car and arrested Homer for driving after having had too much to drink. The patrolman had Homer to get into the patrol car, and put him on the left side behind the driver. The patrolman then arrested James and had him to get into the patrol car. James was sitting on the right side of the back seat. Homer testified that while on their way to Lexington he got the urge to catch hold of the patrolman, and he threw his arms around the patrolman’s neck and told him to stop the car; that the car started switching around in the road and the patrolman drew his pistol and started firing before the car even came to a stop; that the patrolman emptied his gun firing both to the right and left of his head. Homer testified that his brother James had nothing to do with the assault and took no part in it; he said further that after the patrolman had emptied his gun that he, Homer, turned the patrolman loose, *650 and at that time he saw James slumped over in the right-hand corner of the car, partly on the seat and partly on the floor of the car. Homer testified that the patrolman then had him get out of the car; the patrolman handcuffed him and then struck him on the head with his gun, knocking him out; and the next thing he knew he was in the hospital at Lexington.

The jury in this case was called upon to determine from the testimony of these two witnesses, considered in the light of the other facts and circumstances in evidence, which version they would accept as being true. The court instructed the jury on behalf of both appellant and appellee that they, the jury, were the sole judges of the credibility of the witnesses and the weight and worth of their testimony; that the jury could take into consideration the interest, if any, of any witness, his relationship or connection with the parties in the case, his demeanor on the stand, and his opportunity of knowing and seeing the facts and conditions about which he testified. In response to this instruction the jury resolved the issues in favor of appellee. It is not the function of this Court to decide whether we would have reached the same conclusion that the jury did in this case. We might well have reached a different conclusion had we been trying the facts. We have said in numerous cases that where a case presents the jury a question of fact and the jury decides the case on disputed testimony the verdict of the jury will not he disturbed on appeal. Baudry v. Faulkner Concrete Pipe Co., 244 Miss. 669, 145 So. 2d 468 (1962); Schumpert v. Watson, 241 Miss. 199, 129 So. 2d 627 (1961); Boroughs v. Oliver, 226 Miss. 609, 85 So. 2d 191 (1956); Tri-State Transit Co. v. Moore, 188 Miss. 722, 196 So.

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Bluebook (online)
173 So. 2d 663, 252 Miss. 644, 1965 Miss. LEXIS 1135, Counsel Stack Legal Research, https://law.counselstack.com/opinion/independent-life-accident-insurance-v-mullins-miss-1965.