McNaught v. New York Life Insurance

9 N.W.2d 160, 143 Neb. 213, 1943 Neb. LEXIS 62
CourtNebraska Supreme Court
DecidedApril 16, 1943
DocketNo. 31523
StatusPublished
Cited by19 cases

This text of 9 N.W.2d 160 (McNaught v. New York Life Insurance) is published on Counsel Stack Legal Research, covering Nebraska Supreme Court primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
McNaught v. New York Life Insurance, 9 N.W.2d 160, 143 Neb. 213, 1943 Neb. LEXIS 62 (Neb. 1943).

Opinion

Paine, j.

Bernice M. McNaught, widow and beneficiary of William C. McNaught, deceased, brought an action upon the double indemnity agreement attached to a life insurance policy for $1,000. At the close of plaintiff’s evidence, the court sustained a motion for an instructed verdict for the defendant. Plaintiff appeals.

The petition alleged that on September 26, 1934, the defendant company issued a policy of insurance on the life of William C. McNaught for the sum of $1,000, payable to his wife, and that said policy contained an additional double indemnity agreement, providing that for an additional quarterly premium of 27 cents the beneficiary would be paid double indemnity in case of the death of the insured through external, violent and accidental means.

The petition alleges that William C. McNaught died in Omaha on September 17, 1940, said policy and double indemnity agreement being in full force and effect; that his death resulted from a pulmonary emboli, caused by an injury sustained on August 11, 1940, when the insured was, without provocation, assaulted'while sitting in his automobile. It is alleged that proofs of death were furnished to the company about October 25, 1940, and claim was made for the payment of $1,000 by reason of said double indemnity provision of said policy; that defendant paid to plain[215]*215tiff the sum of $1,000 under the regular provision of said policy, but refused to pay the further sum of $1,000 due under the double indemnity provision.

Defendant’s amended answer alleged that the double indemnity provision in the policy of plaintiff provided that the sum of $1,000 was payable “Upon receipt of due proof that the death of the Insured resulted directly and independently of all other causes from bodily injury effected solely through external, violent and accidental means,” and said double indemnity provision further provided “that such double indemnity shall not be payable if Insured’s death resulted, directly or indirectly, from * * * (h) illness or disease.”

To this amended answer a reply in the way of a. general denial was filed.

The issues involve but two questions: First, Did the insured suffer an accident at North Platte about a month before he died ? Second, If so, was that accident the cause of his death?

The evidence discloses that the insured was the traveling representative of the Mankato Brewing Company, and in the middle of August made one of his regular trips, to North Platte, where he-registered at the Palace Hotel.

Homer R. Pease, the clerk, testified that McNaught had been coming there for several years, and that he registered in on August 6, 1940, and checked out on August 13; that he had a conversation with McNaught in the lobby on the afternoon of the 11th of August, and that he made no complaint of having received any injuries. But about 9:30 on the morning of the 12th, the day before he checked out, McNaught came to the lobby and asked the clerk to go to his room to rub some lotion on some injuries. He had a black and blue mark pn the upper forearm near the elbow, about the size of a silver dollar. There was also a black and blue spot above the left eye, and also a bruise on one of his legs, which caused a slight limp. The clerk said he put on no bandages, but just rubbed the lotion on the arm and leg. He said he could not tell whether the bruises were of long [216]*216standing or just recent. He said on the evening of the 12th McNaught’s wife came down, but did not register, as they compliment the wife of a traveling man.

On cross-examination he testified that he did nothing to the bruise on the eye, which was just a break in the skin which did not seem bad. It was stipulated that, after Mr. Pease had examined the hotel register, he would testify that they checked out on August 16, instead of the 13th, as previously testified to by him.

The plaintiff testified she came down to North Platte on Thursday, August 15, 1940, from Scottsbluff, where she had Visited her parents, but she and her husband had been living in Omaha since March, 1940. She described the bruises on her husband, and that the one on the arm was painful, and the discoloration lasted several weeks. She said that on August 17 they drove to Omaha, stopping at Grand Island for mail. On the night of September 7 her husband became ill, and was taken to the Lutheran Hospital September 8, and remained in the care of Dr. McGee there until he died, September 17.

On cross-examination, she said the bruise on his arm had entirely disappeared before he became ill, by gradually fading out.

Dr. John W. McGee, a licensed physician since 1925, was called to see deceased September 8, 1940, at his home, and stayed several hours, as he was very seriously ill, and he thought he was going to die, and had him removed to the hospital, where he died on September 17. The cause of death was emboli, following sharp chest pains.

Dr. Mallott, of Scottsbluff, testified from an examination of the hospital chart that he died from coronary embolus, most likely derived from this discolored patch in his arm or elbow.

Some 21 photostatic copies of all the hospital charts appear as exhibits. Dr. Dahlstet, probably an interne, took down a history when deceased arrived at the hospital. It recites that he was a well-developed male, 36 years old, weight 180 pounds, six feet tall, who came to the hospital [217]*217for relief from pain in lower left chest, thought by patient to be pleurisy; later it recurred, accompanied by dyspnea (which means difficult breathing). Patient said he had always been well and active until present symptoms appeared.

One chart gives as onset of the disease: “About Sept. 8, pt noticed sharp stabbing pain in lower left chest. This pain, at first somewhat localized, later extended thru entire chest & lasted for about an hour’s time. Later it recurred, accompanied by dyspnea, temperature & perspiration.”

The chart describing patient’s death reads as follows: “9-17-40 Pt while being taken from bed pan suddenly complained of pain in chest (12 midnite) and not able to get air ect Face became cold and clammy and respiration increased. Was pulseless. In spite of stimulants and nasal oxygen he became weaker and expired at 12:30 a. m. Cause of death cardiac decompensation or possibly coronary occlusion.”

We have now reviewed the important portions of the evidence of the plaintiff. Thereupon, the plaintiff rested. The trial of the cause began on November 24, 1941, and on the following day the court, pursuant to a ruling on motion for directed verdict, instructed the jury in open court to return a verdict for defendant, and pursuant to said instructions the jury rendered a verdict for the defendant.and against the plaintiff, and the jury were thereupon discharged. Motion for new trial overruled. Plaintiff appealed.

In support of a reversal, the plaintiff insists that accidental death may be shown by circumstantial evidence.

In reviewing a direction to the jury at the close of plaintiff’s evidence to return a verdict in favor of defendant, the appellate court will assume the existence of all material facts favorable to the plaintiff which competent evidence on behalf of plaintiff establishes or tends to prove, and give her the benefit of every reasonable inference therefrom. See In re Estate of Hoagland, 126 Neb. 377, 253 N. W. 416; Zielinski v. Dolan, 127 Neb. 153, 254 N. W. 695; Andrews v. Clapper, 133 Neb. 110, 274 N. W. 209;

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Bluebook (online)
9 N.W.2d 160, 143 Neb. 213, 1943 Neb. LEXIS 62, Counsel Stack Legal Research, https://law.counselstack.com/opinion/mcnaught-v-new-york-life-insurance-neb-1943.