St. Paul Fire & Marine Insurance v. Hines

202 P. 582, 110 Kan. 4, 1921 Kan. LEXIS 150
CourtSupreme Court of Kansas
DecidedDecember 10, 1921
DocketNo. 23,040
StatusPublished
Cited by5 cases

This text of 202 P. 582 (St. Paul Fire & Marine Insurance v. Hines) is published on Counsel Stack Legal Research, covering Supreme Court of Kansas primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
St. Paul Fire & Marine Insurance v. Hines, 202 P. 582, 110 Kan. 4, 1921 Kan. LEXIS 150 (kan 1921).

Opinion

[5]*5The opinion of the court was delivered by

Porter, J.:

A'fire caused by sparks escaping from an engine on the Union Pacific railroad destroyed a moving van or truck belonging to Park Hetzel. The insurance company paid him $1,400, which was the amount of loss covered by a policy held by him, and under the subrogation clause of the policy, brought this action against the director-general of railroads and the railroad company to recover the amount paid. Hetzel, being joined as a defendant and asked to set up any claim he might have, filed a cross-petition claiming damages to the amount of $105.50 for property burned but not covered by insurance.

The answers consisted of a general denial and the defense of contributory negligence of the driver of the truck in failing to keep a proper lookout and to discover that the truck was on fire, and the failure to use ordinary care in attempting to extinguish the fire before the loss occurred. The director-general and the railroad company appeal from a judgment in favor of the insurance company and in favor of Hetzel on his cross-petition.

The truck or van •was loaded with household goods which were being moved from Lawrence to Perry. It was an open truck with an enclosed cab, the sides being made of slats from four to six inches apart. The household goods were wrapped with furniture pads made of cotton in the form of a bedquilt, and the goods were covered on top with an oiled tarpaulin. The accident occurred about 11 o’clock on a cold day in February, when there was a strong wind blowing from the west. Hans Anderson, an employee of Hetzel, was driving, and with him in the cab was Wyman, a helper. They liad reached the station at Midland and stopped on the east side of the track for a train to pass. Both Anderson and Wyman testified that while they were waiting a rain of sparks and cinders came down on the truck that sounded like hail. Anderson testified that he knew that sparks sometimes escaped from engines and thought of the possibility of fire at the time, but notwithstanding this he continued his journey without opening the door and stepping out to investigate, and that if he had done this he could have discovered whether the goods had caught fire. He thought at the time that there were a lot of sparks and cinders dropping on the truck. After the train passed he drove across the track. The wind was blowing strong from the northwest. When they had gone about a quarter [6]*6of a mile or more he smelled fire, and stopped. He and Wyman jumped out of the cab as quickly as they could, but the flames were leaping around the cab door so that their hair was scorched. The whole truck was a solid blaze. They found that there was nothing that could be done and the fire was permitted to burn itself out.

The' court instructed that under the statute, proof of the fact that the fire was caused by the operation of the railroad made a prima facie case of negligence against the director-general and the railroad company; that if they found that the railroad company and Mr. Hines were guilty of negligence then they were liable for the injury unless the men in charge of the truck were guilty of contributory negligence; and that the men operating the truck were required to use reasonable and ordinary care,, which means just that care and caution that a man of reasonable prudence would have exercised in the same situation.

The contention is that the persons in charge of the truck were guilty of contributory negligence as a matter of law, and that this appears from the undisputed facts. It is argued that the undisputed evidence shows they knew that the sides of the truck were open, and that the contents of the truck were highly inflammable, and, having heard the sparks and cinders falling like rain upon' the truck, and knowing that with the strong wind blowing there was likelihood of fire starting from the sparks, and knowing that their view of the .contents of the truck was entirely blocked by a piano immediately behind their seat, the failure to stop.and get oüt and make an examination-before the fire could gain headway can be construed as nothing less than contributory negligence. The contention Was raised by a demurrer to-the evidence, by requested instructions and by a motion for judgment. It is true there is no dispute about the facts. But it was, in our opinion, a question for the jury to determine whether the failure of these men to get out of the cab and examine the contents of the truck to see whether fire had started was a failure to use' the reasonable cate and prudence that ordinary persons would have used. The defendants rely upon Walker v. Railway Co., 76 Kan. 32, 90 Pac. 772, an action for fire damages against a railroad company. In the course of the opinion it was said in substance that a person cannot invite an increased peril or needlessly or recklessly put his property in a position ©f known danger and at the same time be free from fault, and the court referred to the rule that after a fire has been started an owner should [7]*7use reasonable diligence and effort to protect his property from destruction. The language, of course, had reference to a situation where the owner knows that fire has been started. Here -the negligence, if any, was the failure to take affirmative steps tti discover whether fire had started in the truck by the rain of sparks and cinders. There can be no question that a careful, prudent person in charge of property situated as this was, having the thought in mind that the sparks and cinders might set fire to the goods, would have gotten, out to examine whether fire had started. But the care and caution.required to be. exercised was not that of a careful, prudent person, but merely the care that a man of ordinary prudence would have.uged in the same situation.

In discussing what is proper exercise of care it is said:

“In- the last analysis it will be found that knowledge of the peril is the basic element of duty, from which it may be concluded that the care which must be exercised in anjr particular case is proportioned to the actor’s knowledge, actual or imputed, of the danger flowing from the act performed. . . . Where a danger actually is foreseen, the duty is imposed to adopt every possible precaution to avoid an injury therefrom.” (20 R. C. L. 25, 26, citing Mastin v. Levagood, 47 Kan. 36, 27 Pac. 122.)

But it is said :

“The policy of the law has relegated the determination of such questions to the jury, under proper instructions from the court. It is their province to note the special circumstances and surroundings of each particular case, and then.say whether the conduct of the parties in that case was such as would-be expected of reasonable, .prudent men, under a similar state of affairs.
“Contributory negligence, it has been said by the courts, is ‘the neglect of the duty imposed upon all men to observe ordinary 6are.’ . . . The true foundation of liability is knowledge — or what is deemed in- law to' be 'the same thing; opportunity by the exercise of reasonable diligence, to acquire knowledge — of the peril which subsequently ■ results in injury. . . . Or, as it generally is expressed, .a plaintiff will not be held to have been guilty of contributory negligence if it appears that he had no knowledge of the danger, and conversely he will be deemed to have been guilty if-it is shown that he knew of the peril and might have avoided it by the exercise of ordinary care.

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Bluebook (online)
202 P. 582, 110 Kan. 4, 1921 Kan. LEXIS 150, Counsel Stack Legal Research, https://law.counselstack.com/opinion/st-paul-fire-marine-insurance-v-hines-kan-1921.