Snowden v. Phoenix Insurance

3 Binn. 457, 1811 Pa. LEXIS 23
Supreme Court of Pennsylvania·Decided July 22, 1811·Published·Cited by 4 cases

Opinion

Tilghman C. J.

In this case the defendants demurred to the plaintiffs’ evidence. The consequence is, that every fact which might have been fairly inferred by the jury, is to be inferred by the court.

The defendants’ counsel make two points. 1st, That the underwriters are discharged by a deviation from the voyage insured. 2d, That the warranty of American property was broken by sailing under convoy.

1. A deviation is a voluntary and unnecessary departure from the course of the voyage insured. Here was certainly a departure, but was it unnecessary? We must consider the case under several points of view. 1. As to the going into' Falmouth. 2. As to the sailing from Falmouth to the Downs. 1. There is much to be said in justification of going to Falmouth. The danger of proceeding to Amsterdam after the indorsementon the papers, was imminent. Itmatters not whether the British orders in council were legal'or illegal. I will take it for granted they were illegal, still the danger of proceeding in defiance of them was not the less. The British had a force at sea sufficient to carry their orders into effect. What would have been the effect on the policy, had the captain proceeded towards Amsterdam after the indorsement of his • papers and been captured, is another question. There is enough to shew that the departure from the voyage was not voluntary, .but for the purpose of avoiding great danger. It was contended, that inasmuch as the policy provides for the case of being turned off‘from Amsterdam, and gives permission in such case, to proceed to some neighbouring port of discharge, the captain had no right to go to Falmouth, but should have proceeded immediately to London, But the case which happened is not exactly the case provided for; there was not only a turning off'from Amsterdam, but a prohibition to go to any other than a British port. This was an event not in the contemplation of the parties, and" produced by the British orders in council made after the commencement of the voyage. In the unexpected situation, then, in which the [467] captain was placed, after the indorsement of his papers by the British captain, there was nothing improper in bis put- , r , , . , , . ting into the nearest port, where he might procure good m-formation of the state of public affairs, and regulate his conduct as circumstances should require. I do not say that the policy wouldnot have covered him, if he had proceeded immediately to Londons but he was not obliged to do so-. Objection# have been made to the conduct of the captain in remaining so long at Falmouth. But if he is to be believed, and the jury would have been justified in believing him, his stay is accounted for by adverse winds, before the French decree was heard of, and afterwards by the danger of proceeding without convoy. It is said that the Downs are out of the course from Falmouth to Amsterdam. I doubt whether the proof of that was quite satisfactory; but suppose it to have been so, the captain swears, that the gale came on before he entered the Dozens, and that the going in was for a harbour, in pursuance of a signal from the convoying ship.If that was the case, there was only an intended deviation at most, for the actual going in to such a harbour in a storm was not voluntary, and therefore not a deviation. An intention to deviate will not make a policy void.

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Snowden v. Phoenix Insurance, 3 Binn. 457, 1811 Pa. LEXIS 23 (Pa. 1811).

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