Ludlow v. Union Insurance

2 Serg. & Rawle 119
Supreme Court of Pennsylvania·Decided December 30, 1815·Published·Cited by 3 cases

Opinion

Tilghman C. J.

The plaintiff obtained a verdict in this case, and the defendants have moved for a new trial, because the verdict, as they allege, was against law and against the evidence. The defendants make two points. 1. That the loss happened by a breach of the blockade of Monte Video. 2d, That the plaintiff’s warranty of American property was broken. They also except to the opinion of the Judge before whom the cause was tried, in admitting the Captain of the Rolla (the plaintiff’s ship) as a witness for the plaintiff, to prove that Monte Video was not blockaded. The Captain had no release from the plaintiff, and his testimony was objected to, on the ground of interest. He will be responsible to the plaintiff,, if through his misconduct the plaintiff fails to recover in this action. If the matter rested simply on that point, I do not see how the objection could be answered. But the witness may have been interested formerly, though not so at the time of trial. If he is answerable to the plaintiff, it must be for misconduct, which happened in the year 1806, so that when he was offered as a witness he was protected by the act of limitation. In answer to this, it has been said, that the act of limitation is not an extinguishment of the plaintiff’s cause of action. True, it is not, but it puts it in tbe defendant’s power to defeat it, and that is sufficient to take off his interest. If a witness is interested, and the party who produces him, offers a release, which the witness refuses to accept, his interest is no longer an objection, because it is owing to himself that he remains interested. On the same principle he ought not to be rendered incompetent by liability to an action, which he has the means of defeating; there is no reason to suppose, that his testimony will be influenced by the fear of such an action. I am of opinion, therefore, that he was a competent witness.

[133] The plaintiff warranted the property to be American, which no doubt, amounts to an engagement that it shall be accompanied by all those documents which neutrals may be called upon, by the belligerent powers, to produce. Those documents were not produced on the trial, but the plaintiff proved, that the property belonged to an American citizen. In determining what proof it is incumbent on the plaintiff to make, considerable regard should be had to the usual practice in such cases. In every insurance there is an implied warranty, that the vessel is sea-worthy. Yet the plaintiff is not put to the proof of sea-worthiness, in the first instance. Sea-worthiness is presumed, unless something occurs in the voyage which renders it doubtful, and then the plaintiff must prove it. It is said by Marshall,(a) in his Treatise on Insurance, that in case of a warranty, that the thing insured is neutral property, it is usual at the trial, to give general evidence of the truth of that warranty and leave it to the defendant to falsify it, or prove a breach or forfeiture of it. There is the more reason for this, as the ship’s papers are taken out of the possession of the assured by capture. And in case of condemnation, it seldom happens that notice is not taken in the Court of Admiralty of any defect of documents. This would be sufficient for the defendant’s purpose. Any thing which shews probable cause to suspect, that the necessary papers were wanting, will throw the burden of proof on the plaintiff. But without something of that kind, it may be left to the jury to presume, that all was right. I am more inclined to be satisfied with this practice, because a warranty that property is American, in its plain import amounts to no more than that it belongs to an American citizen, and it was rather a forced construction, by which it was implied, that it should be accompanied with neutral documents. The insurers are placed in a very advantageous situation by this construction, and therefore may be content, if it is expected, that they should shew^some probable cause for -suspecting that the proper documents were wanting. This was the footing on which the Judge left it with the jury, and I think he was right.

On the breach of blockade the cause has been argued at very great length. Whether Sir Home Topham, who commanded the British squadron before Monte Video, ever de[134] dared a blockade, and if he did, whether. he maintained it with such perseverance as he ought to have done, were questions warmly contested, and on which much evidence was given, and some of it contradictory. The Judge on the trial declared the inclination of his mind to be in favour of the defendants on all matters of facts, except the maintaining of the blockade, and on that, he seemed undecided. In reporting the case, he has expressed no dissatisfaction with the verdict. Under these circumstances I should feel great difficulty in setting it aside. The weight of evidence appears to me rather to be in favour of the defendants, but I will not say, that there is that clear and decisive preponderance, which is necessary, to entitle the party to a new trial. Something depends on the character of the witnesses, for the testimony cannot be reconciled, and of their characters I know nothing. I have often said, that unless the Judge who tried the cause, declares himself dissatisfied, it must be a very clear case which could induce me to send matters of fact to a second trial. This is not such a case, and, therefore, I am of opinion, that the verdict should stand.

Yeates J.

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