Joy v. Liverpool & London & Globe Insurance

74 S.W. 822, 32 Tex. Civ. App. 433, 1903 Tex. App. LEXIS 294
CourtCourt of Appeals of Texas
DecidedMay 13, 1903
StatusPublished
Cited by12 cases

This text of 74 S.W. 822 (Joy v. Liverpool & London & Globe Insurance) 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
Joy v. Liverpool & London & Globe Insurance, 74 S.W. 822, 32 Tex. Civ. App. 433, 1903 Tex. App. LEXIS 294 (Tex. Ct. App. 1903).

Opinion

NEILL, Associate Justice.

—Appellant, plaintiff below, sued appellee, defendant below, to recover $4000 on a fire insurance policy issued on the 6th day of August, 1897, by the defendant to C, ,Van Ordstrand for that sum, covering its proportionate part of $1500 on building, $4500 on general ice machinery, foundations, settings and connections, $3500 on engines, boilers, their connections, foundations and settings, $4000 on machinery, dynamos, exciters, lamps, switches, wire and other appliances, aggregating $13,500 of insurance on an electric light and ice plant building and" the machinery and supplies therein situated, loss *435 if any payable to the Harris National Bank of Terrell, Texas, as its interest might appear.

Plaintiff alleged a total loss of the property by fire occurring on August 15, 1897; that immediately after the fire Van Ordstrand made out proofs of the loss in compliance with the terms of the policy, and delivered same to defendant, but that it denied any liability under the policy and waived any proof of the loss; and that afterwards the policy was duly assigned to plaintiff, who is the owner and holder of the same.

The defenses plead were (1) that the issuance of the policy was fraudulently procured by misrepresentations on the part of the assured in reference to the ownership of the property; (2) that defendant’s permission for the existence of $12,500 concurrent insurance was procured by false and fraudulent representations; (3) that after the loss by fire the assured was guilty of fraud and false swearing within the terms of the policy, in that he claimed a loss largely in excess of the true loss; and (4) that the fire which destroyed the property originated by the act, design and procurement of Van Ordstrand, the insured.

The trial of the case resulted in a verdict and judgment for the defendant.

Before the commencement of the trial the defendant, for the purpose of obtaining the right to open and conclude in adducing the evidence and in the argument of the cause, filed a written admission in the language of Bule 31 of the District Court, that plaintiff had a good cause of action as set forth in his petition, except so far as it might be defeated, in whole or in part, by the facts of the answer constituting a good defense, which might be established on the trial. After the admission was filed and entered of record, the right to open and .conclude was accorded the defendant by the court.

The action of the court in according defendant this right is made the basis of the first assignment of error. The substance of the propositions asserted under this assignment is (1) that when an answer is voluminous, containing a general denial and special denials of extent of loss, the value of the property, etc., it is not sufficient for the defendant to file an admission in the language of the rule, but he should plainly specify which of the allegations in the plaintiff’s petition he admits to be true, and what defenses are relied on by the defendant, so that there may be no confusion or uncertainty concerning the issues to be tried.

“An admission made in the very language of the rule must be construed to mean that the defendant admits every fact alleged in the petition which it is necessary for the plaintiff to establish in the first instance to enable him to recover, but does not admit allegations in the petition which merely deny matter alleged in the answer, the burden of proof of which is upon the defendant.” Smith v. Traders Nat. Bank, 74 Texas, 545. Such an admission confines the defense to the specific matters set up by the defendant. Assurance Co. v. Munger, 49 S. W. Rep., 276. The court in its charge so construed the admission when it stated: “The defendant in writing has, in substance, admitted the *436 execution of the policy, and plaintiff’s ownership of the same; that the property insured exceeded in value $15,000, its total destruction by fire, and the receipt of the proofs of loss. Under said admission the defendant can now rely only upon its allegations that Van Ordstrand induced Albert Collins to burn the property insured, which, if true, will defeat any recovery, and upon its allegation that Van Ordstrand misrepresented his title to the Arctic ice machine, which defense, if true, will reduce the plaintiff’s recovery to $3305. You will therefore find for the plaintiff in the sum of $5153, unless you find for the defendant, in whole or in part, under the instructions hereinafter given you.” The subsequent part of the charge relates, and the evidence was confined solely, to the allegations of the two defenses, which are in the nature of confessions and avoidance. The burden was upon the defendant to establish one or the other of these defenses in order to defeat plaintiff’s cause of action, either in whole or in part. If its evidence established that Van Ordstrand induced Collins to burn the property, a complete defense to the entire action was made out. If it did not, but showed that the assured misrepresented his title to the ice machine, the amount of plaintiff’s recovery was reduced only. Inasmuch as the jury found a general verdict for the defendant, it is evident that the jury found that the assured induced Collins to burn the property, which rendered the question of misrepresentatiqn. of ownership of a part of the property immaterial. The burden of proving the facts necessary to sustain such verdict being upon the defendant, and it having admitted plaintiff’s cause of action, subject to the defense that the assured procured the burning of the property, it had the right under the law to open and conclude, and the court did not err in so holding.

The court by its charge having informed the jury of the effect of defendant’s admission, specifically stating the facts admitted, and that such admitted facts entitled plaintiff to recover his entire demand unless one of the two defenses stated in its charge were made out,—one of which, if established, would defeat the entire demand, the other only R part of it,—all other defensive matters plead were eliminated from the consideration of the jury as effectually as if they had been erased from defendant’s answer. Therefore the plaintiff could not have been prejudiced by the answer being read to the jury and taken with them in their retirement to consider their verdict. This case is easily distinguished from Insurance Co. v. Simpson, 28 S. W. Rep., 837. In that 'case, ^taking the admission as made, the court could not have rendered judgment upon it, disposing of all the claims asserted by plaintiff, had defendant introduced no evidence in support of the defenses set up in its answer.” In this case, taking the admission as made, if the defendant had introduced no evidence in support of its defenses, it would have been the duty of the court to have rendered judgment for plaintiffs entire demand, without his introducing any evidence at all.

The only exception to defendant’s answer that has any relation to either of the issues submitted to the jury is the one to the allegations of *437 misrepresentations of the assured as to his ownership of the Arctic ice compressor. None of the exceptions referred to the defense that Van Ordstrand procured the burning of the property. As the verdict shows -this was the defense sustained, the plaintiff was not prejudiced by the failure of the court to sustain the exceptions. Railway Co. v. Rather, 3 Texas Civ. App., 72; Traction Co. v.

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Bluebook (online)
74 S.W. 822, 32 Tex. Civ. App. 433, 1903 Tex. App. LEXIS 294, Counsel Stack Legal Research, https://law.counselstack.com/opinion/joy-v-liverpool-london-globe-insurance-texapp-1903.