Mutual Life Insurance v. Grimsley

168 S.E. 329, 160 Va. 325, 1933 Va. LEXIS 212
CourtSupreme Court of Virginia
DecidedMarch 16, 1933
StatusPublished
Cited by2 cases

This text of 168 S.E. 329 (Mutual Life Insurance v. Grimsley) is published on Counsel Stack Legal Research, covering Supreme Court of Virginia primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Mutual Life Insurance v. Grimsley, 168 S.E. 329, 160 Va. 325, 1933 Va. LEXIS 212 (Va. 1933).

Opinion

Campbell, C. J.,

delivered the opinion of the court.

This action by notice of motion was brought by Mrs. C. Dennis Grimsley, executrix of the last will and testament of Thomas E. Grimsley, deceased, to recover the sum of $2,000, the amount alleged to be due under a double indemnity provision of a policy of insurance issued to her late husband by the defendant.

The relevant provision of the policy, dated the 2nd day of February, 1922, bound the defendant to pay to the personal representative of the deceased the sum aforesaid, in the event “that such death resulted directly from bodily harm, * * * independently and exclusively of all other causes, and that such bodily injury was effected solely through external, violent and accidental means * * * provided, however, that this double indemnity shall not be payable * * * if such death * * * results from any violation of law by the insured * * * or directly or indirectly from bodily or mental infirmity or disease of any sort.”

Thomas Edwin Grimsley, a prominent lawyer of Culpeper, Virginia, was at the date of his death fifty-eight and one-[328]*328half years of age. Never a robust man, in the year 1928 a medical examination disclosed that he was suffering from high blood pressure. During the interval between the year 1928 and his death, which occurred on February 3, 1930, he was under frequent observation by his attending physician. At times his blood pressure would rise, and then again, after rest and relaxation, it would decline. On the day before his death he informed his law partner that, his blood pressure was down, and that he would conduct the trial of a case in the Circuit Court of Fauquier county the next day. Accordingly, on the morning of February 3, he drove his automobile from Culpeper to Warrenton, a distance of approximately twenty-eight miles, and did engage, in a most vigorous manner, in the trial of an important case. Apparently in his normal state of health, insured departed from Warrenton at approximately 4:30 p. m. for his home in Culpeper. The day was clear, and the hour of sun-. set on that day was 5:34 p. m. The insured was driving facing the sun,’ and was last seen alive at approximately 5:20 p. m.

The State highway from Warrenton to Culpeper is a hard surfaced road for a width of sixteen feet, with five-foot dirt shoulders on each side thereof. The point on the highway at which insured was last seen alive was at the end of a bridge across the Rappahannock river, which river separated the counties of Fauquier and Culpeper. When last observed he was driving his car in a proper manner, had" stopped immediately behind a car bearing a Maryland license tag to permit the passage of a bus across the bridge. After the bus had passed, the two cars proceeded towards Culpeper, with the Maryland car in front. At a point about a mile and a half from the bridge, the car of insured was later seen by various travelers apparently wrecked by coming in contact with the left-hand abutment to a culvert crossing the highway at right angles. The approach to the culvert was practically level, and for a distance of 1,778 feet the road was practically straight. The inside edge of the [329]*329abutment, at the point of impact, was four feet and nine inches to the left of the left-hand edge of the hard surface. Approaching the culvert, for a distance of twenty-five feet, car tracks were observed, measuring 6.3 feet to the left of the hard surface on the dirt shoulder of the road.

The body of the insured, evidently precipitated into the stream below, was found the next morning several hundred yards below the culvert, under a fence. The subsequent autopsy revealed a blow on the left side of the head, and the five doctors who attended the autopsy testified that the blow received, with the accompanying shock and exposure, was sufficient to produce death.

The basic theory of the plaintiff is that the collision occurred by reason of the insured being blinded by the sun’s rays or by being crowded off the road in an attempt to pass the Maryland car, and that the proximate cause of death was attributable to accidental means covered by the policy provision.

The defenses interposed were: 1. That the death of the insured did not result directly from bodily injury, independently and exclusively of all other causes, nor was such injury effected solely through external, violent and accidental means. 2. That death resulted directly or indirectly from bodily or mental infirmity of some sort. 3. That at and before the moment of impact insured became incapable, by reason of either physical or mental infirmity, of controlling the car. 4. That at the time the car collided with the abutment insured was driving the car upon the left hand side of the road, in violation of law, and that such violation, under the terms of the policy, exempted the defendant from liability.

There was a trial by a jury, which resulted in a verdict for the plaintiff. Upon motion of the defendant, the court set aside the verdict on the ground “that the court committed material error in the granting of instructions.” Thereupon, the plaintiff moved the court to limit the issues [330]*330upon the new trial. The motion was sustained and this order was entered:

“The court having maturely considered the motion of the plaintiff submitted May 28, 1931, to limit the issues on the new trial of this cause, and the argument of counsel, and being of opinion to grant the same, doth order that the issue to be submitted to the jury on said new trial be limited to the question whether the death of the insured resulted from a violation of law by the insured within the meaning of the policy sued on, and for the purpose of said trial it shall be assumed that said death did not result directly or indirectly from bodily or mental infirmity or disease of any sort within the meaning of the policy sued on, to which action of the court the defendant excepted.”

The verdict of the jury upon the second trial was in favor of the plaintiff and judgment was entered thereon.

It is assigned as error that the court erred on the first trial, when it set aside the verdict of the jury, in confining the issue upon the second trial to the sole question whether the death of the insured resulted from any violation of law by the insured within the meaning of the policy sued on.

The assignment of error is well founded. On the first trial the court gave this instruction:

“The court further instructs the jury that if they believe from the evidence that insured inadvertently and involuntarily drove his ear upon the left hand side of the road, he may have been guilty of negligence, but was not guilty of violation of law in so doing.”

Though of opinion that the motion of defendant to set aside the verdict, on the ground that it was contrary to the evidence, should be overruled, the court, of its own motion, did set aside the verdict on the ground that error of law was committed in giving the above instruction.

As a general rule a new trial, when granted, is awarded for the entire case; but there are exceptions. Unless prohibited by statute, a trial court, in awarding a new trial, may limit the issue to be tried on the new trial, when [331]*331manifest justice demands and it is clear that the course can be pursued without confusion, inconvenience or prejudice to the rights of any party. 14 Enc. PI. & Pr. 937; 4 Minor’s Inst. (2d ed.) 840-848.

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Cite This Page — Counsel Stack

Bluebook (online)
168 S.E. 329, 160 Va. 325, 1933 Va. LEXIS 212, Counsel Stack Legal Research, https://law.counselstack.com/opinion/mutual-life-insurance-v-grimsley-va-1933.