Southwestern Surety Insurance Co. v. Pillsbury

158 P. 762, 172 Cal. 768, 1916 Cal. LEXIS 604
CourtCalifornia Supreme Court
DecidedJune 28, 1916
DocketS. F. No. 7454. In Bank.
StatusPublished
Cited by11 cases

This text of 158 P. 762 (Southwestern Surety Insurance Co. v. Pillsbury) is published on Counsel Stack Legal Research, covering California Supreme Court primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Southwestern Surety Insurance Co. v. Pillsbury, 158 P. 762, 172 Cal. 768, 1916 Cal. LEXIS 604 (Cal. 1916).

Opinion

*769 MELVIN, J.

A proceeding in certiorari to review the action of the Industrial Accident Commission in awarding compensation to H. J. Petersen, who was injured while he was in the employ of the E. K. Wood Lumber Company at Oakland. The petitioner was the insurance carrier of the said lumber company.

Petersen was working as an employee of the E. K. Wood Lumber Company in the lumber-yard of that corporation ón March 13, 1914. He was assisting another man in loading four by six redwood timber on trucks. While pulling a piece of timber out from a pile he either slipped or in some manner wrenched his back and fell down. He arose, put that stick of timber on the truck, and then could not move. He was assisted to his home and was under a doctor’s care until the 10th of the following August, when he returned to work. He testified that he worked until the 26th of August, when the “sciatica” came back again and he was compelled to stop working. He received compensation from the petitioner at the rate of $13.12 per week from a time shortly after his injury until August 10th, the date of his return to work, and all of his doctor’s bills, charges for drugs, and like expenses were also paid. After August 26th he received no compensation. His account of the manner of receiving the injury was corroborated by his coworker, and medical testimony which we shall have occasion to discuss later was heard. The Industrial Accident Commission ordered the Southwestern Surety Insurance Company to pay $406.72, and $13.12 per week beginning March 31, 1915, until the termination of the disability or the further order of the commission. There was a further order whereby the surety company was given the right to tender to Petersen an adequate and proper surgical operation at the company’s expense to cure him and relieve Mm of his disability. It was the further order of the commission that, in the event of such an offer, if Petersen should refuse to submit to the operation, or having submitted should neglect further to co-operate and aid in his cure, or if the treatment should result in the removal of his disability, or if he and the surety company should, with the consent of the commission, agree upon a final settlement, the payment of the indemnity should thereupon cease.

Petitioner insists that there is no evidence that the injuries were received by Petersen as the result of an “accident” as *770 provided in the law then in force; that even assuming that the applicant was disabled as the result of an accident, he-had been entirely cured when he returned to work; 'that under the evidence the “sciatica” which caused Petersen to leave his work the second time could not be attributed to the injury ; that the award is indefinite, because the order provides for a termination of the indemnity only upon the ceasing of the disability or the further order of the commission while under the statute the period of disability may not be extended beyond two hundred and forty weeks; that if petitioner should offer to bear the expense of a surgical operation, such expense would amount to a double indemnity unauthorized by the statute; and that the order with reference to the surgical .operation is an unlawful effort to charge the surety company with the payment for surgical care long after the expiration of the period of ninety days following the date of the injury.

Section 12 of the Workmen’s Compensation, Insurance and Safety Act provided, before its amendment in 1915, in part as follows: “Liability for the compensation provided by this act, in lieu of any other liability whatsoever, shall, without regard to negligence, exist against an employer for any personal injury sustained by his employees ly accident arising out of and in the course of the employment.” [The italics are ours.] Petitioner seeks to apply to the word “accident” as used in this statute the definition commonly used in cases relating to accident insurance. For example, Clidero v. Scottish Accident Ins. Co., 29 Scot. L. Rep. 303, is cited to the effect that where a man is injured while doing just what he meant to do and an unexpected and injurious result happens, the occurrence is not an “accident.” Lehman v. Great Western Acc. Assn., 155 Iowa, 737, 42 L. R. A. (N. S.) 562, [133 N. W. 752], is also mentioned as authority for a similar limitation upon the meaning of the word “accident.” That was a case in which the plaintiff had strained his side while he was bowling. He was denied relief. Recently this court has had occasion to declare the meaning of “accident” as used in policies of insurance, and in the opinion in the case of Rock v. Travelers’ Ins. Co., ante, p. 462, [156 Pac. 1029], the leading cases are cited and discussed. It was there said that “A person may do certain acts, the result of which acts may produce unforeseen consequences, and may produce what is *771 commonfy called accidental death, hut the means are exactly what the man intended to use, and did use, and was prepared to use. The means were not accidental, but the result might be accidental. Measured by this rule, perhaps Petersen’s injury was not due to “accident”; but we must remember that in all policies of accident insurance the contract has reference to bodily injuries caused solely by external, violent, and accidental means. In one of the opinions in Western Indemnity Co. v. Pillsbury, 170 Cal. 686-708, [151 Pac. 398, 406], Mr. Justice Sloss, construing the very statute now before us, cited with approval the words of Lord Macnaghten in Fenton v. Thorley & Co., Ltd., [1903] App. Cas. 443, as follows: “The expression ‘accident’ is used in the popular and ordinary sense of the word, as denoting an unlooked for mishap or an untoward event which is not expected or designed. ’ ’ In that case it was held that the murder of a night watchman was an “accident” within the purview of the act, and similar rulings will be found in Trim Joint District School v. Kelly, W. C. & Ins. Rep. [1914] 359; and Western Metal Supply Co. v. Pillsbury, ante, p. 407, [156 Pac. 491-496]. In the opinion in the Western Indemnity case the definition of “accident” as given in Richards v. Travelers’ Ins. Co., 89 Cal. 170-175, [23 Am. St. Rep. 455, 26 Pac. 762], is also quoted. The word is there defined as “a casualty—something out of the usual course of events, and which happens suddenly and unexpectedly, and without any design on the part of the person injured.” In Price v. Occidental Life Ins. Co., 169 Cal. 800-802, [147 Pac. 1175], the definition of the Eichards case is cited with approval. When a more strict definition is required that fact arises, usually in insurance cases, under the necessities imposed by the peculiar language of policies. In England, under the former compensation act containing similar language to that used in our earlier statute, “injury by accident” has been given broad construction in accordance with the ordinary conception of the words. In Fenton v. Thorley, supra,

Free access — add to your briefcase to read the full text and ask questions with AI

Related

Inland Steel Co. v. Almodovar
361 N.E.2d 181 (Indiana Court of Appeals, 1977)
Liberty Mut. Ins. Co. v. Ind. Acc. Com.
231 Cal. App. 2d 501 (California Court of Appeal, 1964)
Liberty Mutual Insurance v. Industrial Accident Commission
231 Cal. App. 2d 501 (California Court of Appeal, 1964)
Thomas v. Pennsylvania Railroad
160 A. 793 (Court of Appeals of Maryland, 1932)
Moore v. Fidelity & Casualty Co. of New York
265 P. 207 (California Supreme Court, 1928)
Hyer v. Inter-Insurance Exchange of the Automobile Club
246 P. 1055 (California Court of Appeal, 1926)
National Engineering Corp. v. Industrial Accident Commission
225 P. 2 (California Supreme Court, 1924)
Indian Creek Coal & Mining Co. v. Calvert
119 N.E. 519 (Indiana Court of Appeals, 1918)
Southwestern Surety Ins. Co. v. Owens
198 S.W. 662 (Court of Appeals of Texas, 1917)
Marshall v. Ransome Concrete Co.
166 P.2d 846 (California Court of Appeal, 1917)

Cite This Page — Counsel Stack

Bluebook (online)
158 P. 762, 172 Cal. 768, 1916 Cal. LEXIS 604, Counsel Stack Legal Research, https://law.counselstack.com/opinion/southwestern-surety-insurance-co-v-pillsbury-cal-1916.