Spensley v. Lancashire Insurance

11 N.W. 894, 54 Wis. 433, 1882 Wisc. LEXIS 71
CourtWisconsin Supreme Court
DecidedMarch 14, 1882
StatusPublished
Cited by21 cases

This text of 11 N.W. 894 (Spensley v. Lancashire Insurance) is published on Counsel Stack Legal Research, covering Wisconsin Supreme Court primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Spensley v. Lancashire Insurance, 11 N.W. 894, 54 Wis. 433, 1882 Wisc. LEXIS 71 (Wis. 1882).

Opinion

Cassoday, J.

It is urged by the learned counsel for the respondent, that “to justify a verdict for-the plaintiff it must appear, from a preponderance of evidence in the case, that the insured building was destroyed by lightning,” and therefore that the nonsuit was properly granted; and in support of the contention several cases are cited. In neither of the three cases cited from the supreme court of the United States was there a peremptory nonsuit, but each was submitted to the jury. Two of the cases were affirmed, and one reversed for instructions in favor of the defendant not warranted by the evidence. In Doe v. Grymes, 1 Pet., 469, not cited, it was held at an early day that “ the courts of the United States have no authority to order a peremptory nonsuit against the will of the plaintiff on the trial of a cause before a jury.” DWolf v. Rabaud, 1 Pet., 476. It was probably in pursuance of this rule that Judge Milt.er refused a peremptory nonsuit in Hyde v. Barker, 1 Pin., 305, and Baxter v. Payne, id., 501, criticised by counselx, and each of which was decided by a federal court. A similar rule prevails in several of the states. But in this state we have had a different practice from the first, and the right to a peremptory nonsuit in a proper case is conceded by all. The only difficulty arises in the limitation and application of the rule.

In Barden v. Smith, 7 Wis., 439, it was held that “ it is [438]*438error to nonsuit tbe plaintiff when evidence has been given on his behalf sufficient to justify a verdict in his favor.” To the same effect is Johnston v. Hamburger, 13 Wis., 175.

In Dodge v. McDonnell, 14 Wis., 553, it was held that “ the court should not nonsuit a plaintiff when there is any evidence, which, by the most favorable construction that could be legitimately given it, would sustain a verdict in his favor.” To the same effect are Colby v. Franklin, 15 Wis., 311; Langhoff v. Railway, 19 Wis., 489.

In Imhoff v. Railroad Co., 22 Wis., 681, Paine, J., said: “ On a motion for a nonsuit the court is bound to give the evidence the most favorable construction for the plaintiff which it will possibly bear.” In support of this he-cites New York and Ohio cases, and quotes aj>prov.ingly this from Judge Ranney: “All that the evidence in any degree tends to prove, must be received as fully proved; every fact that the evidence, and all reasonable inferences from it, conduce to establish, must be taken as fully established.”. Page 684.

In Lawrence University v. Smith, 32 Wis., 592, the question was whether the direction of a verdict for the plaintiff was error, and Dixon, C. J., giving the opinion of the court, said: “The rule is the same as that which obtains where a motion for a nonsuit is made, and where it is held that the court must look at the facts .in the most favorable light for the plaintiff in which the jury would be at liberty to find them, and then be able to say that there is no evidence which would justify a verdict in his favor.”

These statements of the law have been fully sanctioned by this court in the cases of Schomer v. Hekla Fire Ins. Co., 50 Wis., 579; Jucker v. Railway Co., 52 Wis., 150.

In Jones v. Railway Co., 49 Wis., 352, Mr. Justice Taylor said: “If the plaintiff gives any evidence to support his claim, the case must be submitted to the jury, although in the opinion of the trial judge it may be insufficient to sustain a verdict, or the decided weight of evidence is for the defendant. In such [439]*439case this court has repeatedly said that- it is the duty of the • court to submit the questions of fact to the jury, under proper instructions, and take their verdict thereon.”

In Townley v. Railway Co., 53 Wis., 626, several English and American authorities were cited to sustain the rule that, “where the standard of the defendant’s duty is a shifting one, and the facts or the inferences to be drawn therefrom are in dispute .or ambiguous, the question of the defendant’s negligence should not be taken from the jury.”

Erom the authorities cited it is manifest that the trial court was not, and this court is not, called upon to weigh and determine the preponderance of evidence. . If a plaintiff has no right to have his cause submitted to the jury unless there is a preponderance of the evidence in his favor, then by parity of reasoning the defendant has no right to l%ve it submitted tó the jury unless there is a preponderance of evidence in his favor. If this is so, then, as the evidence must always preponderate in favor of one party or the other, or else be equally balanced, it would follow that the court would always be justified in taking the case from the jury on the motion of one party or the other, except when the evidence was equally balanced. Such, however, is not the rule. The simple question is, whether the evidence in behalf of the plaintiff, had it remained undisputed, and giving to it the most favorable construction it will legitimately bear, including all reasonablé inferences from it, is sufficient to justify a. verdict in favor of the plaintiff. In other words, is there evidence, when so construed, tending to prove that lightning was an agency in the destruction of the plaintiff’s building, within the meaning of the policy?

We agree with LoRD Ellenbokoügh, C. J., in the case cited, that the policy “ is to be construed according to its sense and meaning, as collected in the first place-from the terms used in it, which terms are themselves to be understood in their plain, ordinary and popular sense,” etc. Robertson v. French, 4 East, 135.

[440]*440In Kenniston v. Ins. Co., 14 N. H., 341, the policy was “against loss or damage by fire, whether the same shall happen by accident, lightning or any other means.” The evidence tended to show that the house had been struck by lightning, and parts of it and the contents materially injured, leaving-some slight traces of fire, and a verdict was taken for the plaintiff. Giving the opinion of the court, PaeKee, C. J., said: “If the damage was from lightning without any combustion, it is clearly not wiihin the terms of the contract of insurance. The policy does not provide against every damage which may arise from the action of the electric fluid.” Because the evidence did not make it certain that the-building “was set on fire by the lightning,” the direction of a verdict for the plaintiff was held error, and a new trial ordered, with dirsct-tions to submit that question to a jury. It is very clear from the opinion that had not the policy limited the liability to “losses by fire,” the direction of a verdict for the plaintiff would have been sustained, even in the absence of any proof of combustion.

In Babcock v. Ins. Co., 6 Barb., 637, the stipulation in the policy was: “ The company will be liable for fire by lightning.” The question considered on demurrer was, “ whether the destruction of the dwelling house ... by being rent and torn to pieces by lightning, without being burnt or consumed, is a loss covered and insured against by the policy.” The court held that it was not, and gave judgment for the defendant. The ground of the decision is, that “ the terms of the policy exclude the idea that it was intended to cover damage by lightning when there w7as no ignition.” That judgment was affirmed in the court of appeals (S. C.,

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Bluebook (online)
11 N.W. 894, 54 Wis. 433, 1882 Wisc. LEXIS 71, Counsel Stack Legal Research, https://law.counselstack.com/opinion/spensley-v-lancashire-insurance-wis-1882.