Murdie v. Maryland Casualty Co.

52 F.2d 888, 1931 U.S. Dist. LEXIS 1714
CourtDistrict Court, D. Nevada
DecidedOctober 1, 1931
DocketNo. 2448
StatusPublished
Cited by2 cases

This text of 52 F.2d 888 (Murdie v. Maryland Casualty Co.) is published on Counsel Stack Legal Research, covering District Court, D. Nevada primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Murdie v. Maryland Casualty Co., 52 F.2d 888, 1931 U.S. Dist. LEXIS 1714 (D. Nev. 1931).

Opinion

NORCROSS, District Judge.

This is an action by the beneficiary upon a contract of insurance designated “Special Automobile Accident Policy,” issued by defendant to one Robert Murdie. By the terms of the policy, for an annual premium of $10, subject to certain conditions specified, the defendant agreed to pay the beneficiary $5,-000 in case of the death of the insured occasioned, among other causes, “By being struck or ran down by an automobile.” The insured, Robert Murdie, was so struck or run down on the public highway near the city of Reno on May 19, 1929, receiving injuries from which death ensued.

Two defenses are interposed.' It is alleged that due notice was not given to the defendant or proofs of loss furnished as required by the policy. It is further alleged that defendant is not liable by reason of the following provision: “23. This policy shall not cover loss or injuries, fatal or non-fatal, * * * suffered while intoxicated, or while under the influence of, or affected by, or resulting, directly or indirectly, from any intoxicant or narcotic.”

On May 22, 1929, a telegram was sent from Reno to the agent of the defendant company at San Francisco, reading:

[889]*889“Robert Murdie accidentally killed Sunday May nineteenth nineteen twenty-nine send form for proof of death for policy number MC-seven one six two three.
“[Signed] Ernest S. Brown
“Attorney for Beneficiary.”

No reply appears to have been made to this telegram. On the day following the insured’s death, Joseph Mellroy, an insurance broker who wrote the policy in question, called* at the office of defendant’s agent at San Francisco and advised him of Murdie’s death. Upon the information obtained through Mellroy an adjuster was sent to Reno to make an investigation. On May 21, 1929, on a blank form of “Proof of Death” the adjuster caused to be filled out the “Statement of an Eye-Witness,” which was signed by Donald MacAfee, who was present at the time of the accident and had been with the insured for some time prior thereto. Attached to the blank form so filled out was a further statement written by the adjuster and also signed by MacAfee, and purporting to contain a more detailed account of the accident and the movements and acts of the insured for a portion of the immediately preceding twelve or more hours. It is manifest that it was upon the statements of MacAfee thus obtained and other investigations made by the adjuster at the time that defendant took the position it was not liable under the provision (23) of the policy quoted supra. The testimony also discloses that Mellroy, acting or claiming to act under a power of attorney from the beneficiary, had a number of interviews with representatives of the defendant looking to a settlement of the beneficiary’s claim.

By failing to comply with the request made in the telegram and by the independent investigations made by its adjuster, defendant is not in position to question failure to strictly comply with the provisions of the policy respecting proof of death, and its conduct is in effect a waiver. Miner v. New Amsterdam Casualty Co., 220 Ill. App. 78; Union Casualty & S. Co. v. Mondy, 18 Colo. App. 395, 71 P. 677; Phoenix A. & S. Benefit Ass’n v. Stiver, 42 Ind. App. 636, 84 N. E. 772 ; 7 Cooley’s Briefs on Insurance, p. 5943; 1 C. J. 480.

The question to be determined upon the merits is: Was the death of the insured “suffered while intoxicated, or while under the influence of, or affected by, or resulting, directly or indirectly, from any intoxicant” ? The burden of proof to establish this defense is upon the defendant. Sutherland v. Standard L. & A. Ins. Co., 87 Iowa, 505, 54 N. W. 453; Van Valkenburgh v. Am. Popular L. Ins. Co., 70 N. Y. 605; Northwestern Masonic Aid Ass’n v. Bodurtha, 23 Ind. App. 121, 53 N. E. 787, 77 Am. St. Rep. 414.

The testimony discloses that the insured, Robert Murdie, in company with two friends left his room in a hotel in the city of Reno about 8:30 in the evening of May 18, 1929, and proceeded in Murdie’s automobile to Lawton’s Springs, a resort located about five miles westerly of Reno, where they had dinner. Shortly after midnight on the morning of May 19th, Murdie and his party left Law-ton’s Springs and proceeded via Reno to Reno Hot Springs on the Reno-Carson highway about nine miles southerly from Reno, arriving at the latter place about 1 a. m. After remaining about fifteen minutes, Murdie and his party started to return to Reno. Upon turning the car from the dirt road onto the paved highway, the right rear wheel on Murdie’s car was broken and the car stopped. Murdie then drove the ear off of and to a point about twelve feet beyond the east side of the paved highway. Donald MacAfee, one of Murdie’s companions, then walked back to the office at Reno Hot Springs, a distance of approximately a thousand feet, and phoned to Reno for assistance. After waiting for about an hour and no assistance having arrived, Murdie left the damaged car and walked to the same office and phoned to a garage in Reno to send aid. After waiting approximately another hour without the appearance of aid, Murdie, standing at the side of the paved highway to the rear of his disabled car, hailed a passing ear going north towards Reno. The latter car, driven by John Turkla, stopped about forty or fifty feet beyond the Murdie ear. Turkla started to back his ear towards the Murdie car, but, on being informed by a passenger of the approach of another ear from the south, stopped on the side of the road with the right wheels of his car in the dirt to the right of the paved highway. As the Turkla car passed him, Murdie started to walk down the right side of the paved highway towards the latter ear. At a point approximately twenty-five feet from where he started, Murdie was struck by an Oakland sedan ear driven by W. J. McKenzie, which also was proceeding north towards Reno. From the impact Murdie received injuries from which he died a few hours later at a Reno hospital. The fatal accident occurred about 3 a. m.

The precise point on the highway at which Murdie was struck by the Oakland sedan is [890]*890deemed of importance in determining the main question presented. E. R. Trathen, sheriff of Washoe county, who at the time was chief deputy, testified as a witness for defendant that he visited the scene of the accident about 7 a. m., approximately four hours after its occurrence. He observed skid marks where the broken wheel of Murdie’s ear had crossed the highway. He observed skid marks made by the stopping of the McKenzie car for a distance of ninety feet. He found shattered glass on the highway about forty feet from the skid line of the Murdie car. The skid marks of the McKenzie ear started about twenty or twenty-five feet from the skid line of the Murdie ear. At a point about forty feet beyond the starting point of the skid marks, the skid mark of the left wheel of the McKenzie car crossed the center line of the road and for the remaining distance of about fifty feet was to the right of the center of the road. At no time were the skid marks of both wheels of the McKenzie ear to the left of the center black line. Until near the point where the skid mark of the left wheel passed to the right of the center line, the skid marks made by the right and left wheels respectively were about equal distance from the center black line— “might have been a few inches either-way.”

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Bluebook (online)
52 F.2d 888, 1931 U.S. Dist. LEXIS 1714, Counsel Stack Legal Research, https://law.counselstack.com/opinion/murdie-v-maryland-casualty-co-nvd-1931.