Pan-American Life Ins. Co. v. American Industrial Inv. Co.

207 S.W.2d 173, 1947 Tex. App. LEXIS 839
CourtCourt of Appeals of Texas
DecidedDecember 11, 1947
DocketNo. 11927
StatusPublished
Cited by5 cases

This text of 207 S.W.2d 173 (Pan-American Life Ins. Co. v. American Industrial Inv. Co.) 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
Pan-American Life Ins. Co. v. American Industrial Inv. Co., 207 S.W.2d 173, 1947 Tex. App. LEXIS 839 (Tex. Ct. App. 1947).

Opinion

GRAVES, Justice.

This appeal is from a judgment of the 61st District Court of Harris County, entered in part upon a jury’s verdict in response to special-issues submitted, and in part upon independent findings of the court itself from the pleadings and evidence, in controlling substance, decreeing:

First, that the appellee recover upon the insurance policy of June 5, 1930, on the life of Julius Clarence Franklin, issued by appellant to appellee, as beneficiary, the principal sum therein specified as the face-value thereof, of $35,000, together with 12% penalty for delay, accrued interest to that date, and the further sum of $10,000 allowed by the court as attorney’s fees, thereunder, totalling $61,550; second, denying the appellee any recovery under the “double-'indemnity-rider” attached to such policy, providing — in controlling substance —that if the insured’s death “occurred in consequence of bodily injuries effected solely through external, violent, and accidental means * * * independently of any other cause * * *, It is mutually agreed that this provision shall not cover * * * death resulting directly or indirectly from * * * bodily injuries inflicted intentionally by another person,” it would pay an additional amount of $25,000.

In this court the appellant, that is, the insurance company, challenges the money-recovery so allowed against it on the one hand, while, on the other, it defends the court’s denial of any recovery to the appel-lee on the “double-indemnity-rider”;

Whereas the appellee, in turn, becoming a cross-appellant herein, reverses that position of the insurance company, by first defending such money-recovery in its favor against the appellant, and then challenging the trial court’s failure to allow it to also recover — as beneficiary under the whole policy — the $25,000 so provided for in the “double-indemnity-rider.”

While the cause is here upon a single transcript and statement-of-facts, and docketed as one appeal, it is, in fact, two, has been so briefed and orally argued, hence will be so disposed of by this Court.

The rival claims to the respective $35,-000 and $25,000 amounts, so called for by the terms of the policy, grew out of a dispute between the two parties under these two comprehensive issues: First, was the insured, J. C. Franklin, dead; second, if so, how did he die — was it in consequence of bodily injuries effected solely through external, violent, and accidental means, was-it or not due to bodily injuries inflicted by himself, or was it due to injuries intentionally inflicted by another person or persons?

The appellant maintained that Franklin was not dead, but was still alive, hence no-obligation of any sort had matured under its policy of insurance on his life; on the other hand, the appellee asserted that he was not only dead, but that his death had occurred on November 12th of 1941, andi that it had been wholly due to the “accidental means” so described in the “double-indemnity-rider” attached to the policy itself, therefore both such contractual obligations had been -matured against the appellant in its favor.

After an extended trial, heard upon a vast field of evidence, the jury, in response to the issues so submitted to it, [175]*175found that Mr. Franklin was dead; that he died, as alleged by the appellee, on November 12, 1941, hut that it had neither been caused by “accidental means”, nor “bodily injuries inflicted by himself”, but, to quote the verbiage of the verdict, that “The death of Julius Clarence Franklin was due to injuries intentionally inflicted by another person or persons.”

The controlling questions in this Court are, therefore, (1) whether or not these two overall findings, or either of them, were sufficiently supported by admissible evidence, and (2) whether there was reversible error in any other assigned respect.

This Court, after a painstaking review of the record, the arguments, both oral and written, and a plethora of briefs for both sides, is unable to hold that any such error has been made to appear.

On the contrary, its conclusion is that the trial court properly submitted the controlling fact-issues raised by both the pleadings and the proof to the jury — excepting only the findings properly reserved to itself, as indicated — and that the evidence sufficiently supported the jury’s verdict upon them all, as the -same has been in •brief summarized, supra.

It follows, as night the day, that this intermediate and way-station tribunal is left with no authority to comply with the request of either party to exercise its exclusive prerogative in that respect, by declaring any one of the stated-findings of the trial court, or the jury, so against the overwhelming weight of the evidence as to require a reversal upon that account.

To return, therefore, to the main finding's ■of the jury, (1) that the insured Franklin ■died on November 12th of 1941, (2) of injuries intentionally inflicted by another person or persons.

Appellant, in support of its claim that he was still alive, produced the testimony of two witnesses — Mrs. Kitty Trickey, and C. B. Dunn, both residents of Los Angeles, 'California, both testifying in person at the trial. Mrs. Trickey was a former resident of Houston, who testified that she had ¡known Mr. Franklin well there prior to her removal to California, while Mr. Dunn was a taxi-driver at the time he testified about (in 1942), in the suburbs of Los Angeles; he saying he had driven a man around out there at least twice, whom he took to be the same man he had seen a picture of in the newspaper “American Weekly”, a copy of which he had found m the cab of his car, that had an article about and a picture of the man he took to be Mr. Franklin. He testified that he woud say that the pictures shown him (in connection with the interrogatories he was answering) of J. C. Franklin were those of the same man.

While Mrs. Trickey testified to having at close range seen Mr. Franklin in Los Angeles, California, at the junction of two highways within the city, he being in an automobile alone going in one direction, and she in a streetcar going in another, while both vehicles were stopped for the intersection, and that she “knew it was him.”

However, the jury heard all the details and the settings surrounding these two witnesses, when they so testified, and exercised what this court holds to have been its legitimate prerogative 'in finding that such testimony could not be accepted as indisputable, or even conclusive, proof that the insured J. C. Franklin was alive on the dates they testified to having seen the man they so took for him; but that, they — under the frailties that all humanity is heir to — could at least have been the victims of a case of mistaken identity.

At any rate, this court is constrained to hold that the jury — with very little, if any, positive and affirmative evidence, excepting such testimony of Mrs. Trickey and Mr. Dunn, even tending to rebut the case as made out by the great volume of testimony adduced by the appellee-indemnity Company in substantiation of its claim that Franklin was dead, and had so died at the hands of some other person or persons, was not unsupported in so choosing between the two contentions.

To undertake a re-statement, or even a substantial resume, of the great volume of testimony adduced by the appellee in support of its declaration that Franklin had [176]

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Bluebook (online)
207 S.W.2d 173, 1947 Tex. App. LEXIS 839, Counsel Stack Legal Research, https://law.counselstack.com/opinion/pan-american-life-ins-co-v-american-industrial-inv-co-texapp-1947.