Plyer v. German American Insurance

3 Silv. Ct. App. 46, 31 N.Y. St. Rep. 836
CourtNew York Court of Appeals
DecidedJune 10, 1890
StatusPublished

This text of 3 Silv. Ct. App. 46 (Plyer v. German American Insurance) is published on Counsel Stack Legal Research, covering New York Court of Appeals primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Plyer v. German American Insurance, 3 Silv. Ct. App. 46, 31 N.Y. St. Rep. 836 (N.Y. 1890).

Opinion

Peckham, J.

J.—The counsel for the plaintiff asked the court in. substance to charge the jury that the fact of there being a watchman in charge of the vessel at the time of the fire had been conclusively proved and was not open to any question by them.

Conceding that it was a condition precedent to a recovery that the plaintiff should prove the fact, we think the evidence on that point stands so wholly uncontradicted that the court erred in its refusal to charge as requested.

The learned judge, in his charge to the jury, evidently regarded the fact as uncontradicted, for he stated, “ If you believe that there was no watchman in charge there (but upon that branch of the case I fail to see any evidence to contradict the plaintiff’s testimony that Otley was there, and that he was a watchman, and that he had charge of these boats, although I submit it to you as a fact), if you find there was no watchman, or that the vessel was beached, then your verdict would bo for the defendants.”

The evidence as to the watchman was not given by the plaintiff, but was given in his behalf by Matthew H. Gregory, the person who had been engaged in making the repairs on [48]*48the dredge, and who himself engaged Otley as a watchman in charge of the vessel. The fact was also proved by George Gregory, the son of Matthew H., a young man about eighteen years of age, who testified positively that there was a watchman at his father’s yard and premises to watch the vessel during the time spoken of, which included the time up to the occurrence of the fire.

John Muller also said that he was shown the watchman by Gregory, but exactly when he could not say, although it was while the dredge was lying at Gregory’s place before the fire. None of these witnesses were in any way impeached or contradicted, nor was there anything in the least degree incredible, improbable or unnatural in the evidence of either. There was no circumstance in the case which might be called contradictory, or suspicious even, in its nature, unless the mere fact of the occurrence of a fire is suspicious. The judge charged the jury that it was not necessary for the watchman to be on board the vessel in order to comply with the terms of the policy. He said that if the watchman were there at the yard of Gregory, taking care of the vessel, exercising dominion and control over it, and watched it, then it would be for the jury .to say whether, under the circumstances, that was not a compliance with the provisions of the policy. Hence the mere fact of the happening of a fire on the vessel would lead to no inference as to the absence of a watchman, for a fire might easily occur and not be seen for some time by a watchman engaged on shore in the manner permitted by the policy, as interpreted by the learned judge and as we think correctly. The evidence is also uncontradicted that the vessel was worth from $7,500 to $12,000 after the repairs had been put upon it. Mr. Gregory says that Stratton, the surveyor for defendant, after he had examined the vessel for insurance (which was subsequent to the period when the repairs had been made) said that he was favorably disposed for insurance, and that the dredge’ was worth $10,000. This evidence was not contradicted by Stratton. He said [49]*49that he knew when he examined the dredge the first time she had been repaired and overhauled; he noticed her very closely and went all over her.

The evidence that the plaintiff purchased the vessel at public auction "from the naval department of the government for $700, prior to the repairs did not discredit the affirmative evidence as to her value subsequent to the repairs, and which was, as I have stated, wholly uncontradicted. With full knowledge of the condition and value of the vessel obtained from its own special surveyor, after a particular and full examination, the defendant insured her for $6000.

There is in truth nothing in the case upon which to hang an inference or a suspicion that the plaintiff would profit by the loss of the vessel and the collection of the $6000 of insurance, which he had placed upon it, nor is there any improbability of the entire truth of the evidence of the Gregorys upon the question of the watchman.

There was no evidence as to the watchman given by the defendant, and nothing to obstruct the application of the general rule that a fact thus proved and under such circumstances must be taken by the jury, unless the defendant’s reasons, which will now be given, furnish a sufficient answer.

The counsel for the defendant says that the witnesses, Matthew Gregory and his son George, are interested and their credibility impeached, and their statements are improbable. The credibility of Matthew is impeached, as is claimed, by contradictory evidence on the part of defendant. I think there is no substantial contradiction. In his cross-examination Matthew Gregory stated that when Stratton, the defendant’s surveyor, came to Cow Bay to look at the dredge for the purpose of reporting to defendant on the subject of an insurance on it, his (Gregory’s) bark “ Hoppit ” was in front of his yard and remained there up to the time of the fire on the plaintiff’s dredge, and the “ Hoppit ” was a little to the south of the buildings in his yard, perhaps 100 feet, [50]*50and in the neighborhood of 700 feet out from the shore at high water mark, and low water mark would leave the “ Hoppit” almost aground, so that at times one could walk out there. The surveyor of the defendant (Stratton) 'was subsequently called, and in the course of his testimony ho said he thought there was no such distance between high and low water mark as 700 feet, and that it was not, as he thought, in an ordinary tide more than 200.

The fact as to the precise number of feet was- totally unimportant ; and was a mere estimate on the part of both witnesses, and a difference of opinion on an immaterial question cannot be said to furnish the basis, within the facts of this case, for an attack upon the credibility of either witness, nor is it a contradiction of a nature required by the rule in question. As to what condition the dredge was in when the water was at the high or low tide, or when it was slack water, these two witnesses are not in the least at variance.

The other alleged contradiction consists in the fact that Gregory, in his evidence, testified that Stratton, the surveyor, said upon the same occasion when he came down to look at the dredge before she was insured, “If Mr. Plyer effects an insurance on this vessel, we want it to lay at anchor, separate from this hulk (the bark “ Hoppit”), my store ship, which I take a vessel alongside of to repair, to do anything to.”

Stratton says, “ I made no request of Gregory to have the position of the dredge changed. I had nc right to.”

Gregory had not said that Stratton had requested him (Gregory) to change or have changed the position of the dredge. It was a mere observation that if Plyer effected the insurance, the defendant would want the dredge to “ lay at anchor separate from the Hoppit.’ ” This was no contradiction. There is no claim made that the fire occurred because the “ Hoppit ” was alongside of the dredge, nor is there the slightest pretense that it occurred through any change or failure to change the position of the dredge with [51]*51reference to the “ Hoppit.” The difference, if there be a difference between the two witnesses, does not rise to the force or importance of a contradiction in their testimony.

But it is further stated that the witnesses Gregory were interested.

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Bluebook (online)
3 Silv. Ct. App. 46, 31 N.Y. St. Rep. 836, Counsel Stack Legal Research, https://law.counselstack.com/opinion/plyer-v-german-american-insurance-ny-1890.