Phœnix Insurance v. Moog

78 Ala. 284
CourtSupreme Court of Alabama
DecidedDecember 15, 1884
StatusPublished
Cited by71 cases

This text of 78 Ala. 284 (Phœnix Insurance v. Moog) is published on Counsel Stack Legal Research, covering Supreme Court of Alabama primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Phœnix Insurance v. Moog, 78 Ala. 284 (Ala. 1884).

Opinion

SOMERVILLE, J.

There are some important questions raised by the pleadings in this cause, which we proceed first to consider, before undertaking the examination of those suggested by the bill of exceptions.

1. It is provided by statute in this State, that the party against whom a judgment on demurrer is rendered may plead over as a matter of right, without waiving his privilege of assigning the judgment on demurrer as error in the appellate court, “ unless he has subsequently had the benefit secured by the demurrer upon the trial of other equivalent issues.” Code, 1876, § 3007. Where it appears, therefore, that a defendant has gotten, under his amended pleas, the full benefit of any defense which he could also have obtained under his original pleas, to which the court has sustained a demurrer, the ruling of the court, if erroneous, is error without injury, because the defendant has suffered no prejudice by it. This principle becomes important in the progress of the views which we shall see fit to take of some of the rulings of the [300]*300Circuit Court on the plaintiffs’ demurrers to the defendant’s pleas.

2. The present action is one on a policy of insurance, in which the plaintiffs sue for the value of certain goods alleged to have been lost on board of the brig Mary Allerton, while sailing between the ports of Mobile, Alabama, and Galveston, Texas. The Code prescribes a form of complaint for suits of this nature, which is found on page 704, among the schedule of forms of pleadings in civil proceedings. — Code, 1876, § 3009, p- 704, Form No. 16. The most casual observation will show, that the several counts of the complaint in the present cause comply fully with every requisite of this form, some of them being more detailed in their statements than the statutory form requires. It is manifest, therefore, that the demurrers to the complaint were properly overruled, the supposed defects suggested being mere matters Of defense to the action.

3. Many of the defendant’s pleas set up the defense of the fraudulent .conduct of the master and the crew of the vessel, and the fraud of the plaintiffs in procuring the policy, and in loading the cargo. The fifth plea, for example, makes the general averment, that “ the loss of said goods was caused by the, fraudulent and, improper conduct of the master or crew of said brig, and such as was not insured against by said defendant and the seventh plea alleges, that “ the policy which the plaintiffs obtained from the defendant was procured by fraudulent conduct and representations.” So, the averment of the fourteenth is, that “ there was fraud in the loading of the cargo,” without any statement of the facts constituting such fraud. The court sustained demurrers to these pleas, and several others of like character: and these rulings of the court are assigned as 'error by the appellant, among many others. The question raised is, whether, under our present system of pleadings as established by the Code, a defendant in a court of law can plead fraud, or other analogous defense in the nature of fraud, by general averment, without a statement of the facts constituting the fraud. There can be, in our opinion, no doubt as to what the rule of the common law was on this subject. A plea, under that system, according to the better view, was required to state the facts which constituted the alleged fraud, or it was deemed demurrable. This was decided in Giles v. Williams, 3 Ala. 316, where the form found in Chitty, which is cited as authority by appellant’s counsel, was expressly repudiated, as unsupported by authority; the court .there holding a plea insufficient, which averred that the bond sued on “ was obtained by fraud, covin and misrepresentation ” on the part of the plaintiff. This ruling was followed in Clay [301]*301v. Dennis, 3 Ala. 375, where a plea, which alleged that the note sued on was given for certain property, the sale of which was fraudulently made by the plaintiff: to the defendant, was held insufficient; Ormond, J., observing, that “ a plea alleging fraud must state the facts which constitute the fraud.” To the same effect is McKeagg v. Collehan, 13 Ala. 828, where this court held a plea to be bad, which alleged that a certain receipt, executed in satisfaction of a judgment in defendant’s favor, was “obtained by fraud in the sale of a horse” to him by the plaintiff. The vice of the plea was held to be in the statement of a legal conclusion, “ without setting out the facts from which such conclusion arises.” "We are not aware of any case where the doctrine of these decisions has been departed from, either before or since the inauguration of our present system of Code pleadings. The statute now declares, that “the plea must consist of a succinct statement of the facts relied on, in bar or abatement of the suit, and no objection can be taken thereto, if the facts are so stated that a material issue can be taken thereon.” — Code, 1876, § 2987. In Meadows v. Meadows, 73 Ala. 356, 358, we said : “Facts, and not mere inferences, arguments and deductions, are required to be alleged in pleadings under the Code, as well as at common law, although the strictness of the ancient rule has been greatly relaxed.” And again in Quarles Campbell, 72 Ala. 64, the following language was used in the discussion of this subject. Of course, all pleadings, which conform substantially to the forms prescribed by the Code, would be sufficient; and there are cases where the averments of conclusions, in the nature of mixed questions of law and fact, have been sustained by analogy.” We find no form of plea in our present Code, which, upon any principle of analogy, will justify a plea of fraud, which omits to state any matter of fact constituting such fraud. As said in Flewellen v. Crane, 58 Ala. 627, 629, — an observation holding good since as well as prior to the Code : “ Fraud is a conclusion of law from facts stated and proved. When it is pleaded, at law, or in equity, the facts out of which it is supposed to arise must be stated; a mere general averment, without such facts, is not sufficient. The court can not, on such averment, pronounce judgment.” The same in substance is reiterated in Pickett v. Pipkin, 64 Ala. 520, 523.

4. Precisely the same principle applies to averments of negligence, whether urged by way of defense, or in maintenance of an action. It is not sufficient to aver mere conclusions of law — the facts must be averred from which the conclusion of negligence is deducible. — City Council of Montgomery v. Gil[302]*302mer, 33 Ala. 116, 130; Mobile & Montgomery Railway Co. v. Crenshaw, 65 Ala. 566.

Under this principle, the plaintiffs’ demurrers were properly sustained to' pleas numbered as follows — the fourth, fifth, seventh, eleventh, fourteenth, sixteenth and seventeenth. We need not discuss other grounds, upon which the demurrers to these pleas may have been correctly sustained.

5. The eighth plea was plainly defective, in failing to show the complicity of the plaintiffs, in any manner, with the alleged fraudulent misrepresentation, Non constat, it may not have been made by a perfect stranger.

6. If a policy of insurance is procured to be issued by fraudulent misrepresentation or concealment of a material fact affecting the risk assumed, the contract will, of course, be void, and no action will lie on the policy.

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Bluebook (online)
78 Ala. 284, Counsel Stack Legal Research, https://law.counselstack.com/opinion/phnix-insurance-v-moog-ala-1884.