Standard Acc. Ins. Co. v. Rossi

35 F.2d 667, 1929 U.S. App. LEXIS 3043
CourtCourt of Appeals for the Eighth Circuit
DecidedNovember 4, 1929
Docket8506
StatusPublished
Cited by24 cases

This text of 35 F.2d 667 (Standard Acc. Ins. Co. v. Rossi) is published on Counsel Stack Legal Research, covering Court of Appeals for the Eighth Circuit primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Standard Acc. Ins. Co. v. Rossi, 35 F.2d 667, 1929 U.S. App. LEXIS 3043 (8th Cir. 1929).

Opinion

VAN VALKENBURGH, Circuit Judge.

This suit is brought by appellee as the widow of Joseph Rossi, deceased, who held an accident policy in appellant company. By this policy appellant insured the deceased against loss resulting from bodily injuries effected directly, exclusively, and independently of all other causes through accidental means. It is conceded that on the 20th day of February, 1927, the automobile of Joseph Rossi, in which he was riding, collided with another automobile, with the result that Mr. Rossi’s car was overturned. No witness saw Mr. Rossi while in his car prior to the collision, and none of them saw him alight from the ear. He was seen, however, standing on the walk or curb at or about the point where the accident occurred.- The testimony tends to establish that Mr. Rossi was taken to his home, but was not continuously confined to bed, nor to the house, until March 5, 1927. ' In the meantime, he was driven down town, on at least three occasions, where he transacted some business, and attended police court in connection with a trial growing out of this same collision. On the latter date he took to his bed, where he remained until March 11th, on which day he died. The testimony produced by appellee, and embodied in- a hypothetical question propounded to expert witnesses, was to the effeet that two days before his death 'his color began to change to a dark blue, which continued, and that shortly before death his breathing became labored and he suffered a severe hemorrhage, in which there was expelled from his mouth a large quantity of bluish, lumpy, coagulated, and stringy blood. Before the accident, his complexion was ruddy, and his general physical appearance was that of health. The testimony of plaintiff’s experts was to the effect that death was occasioned by thrombosis or embolus, resulting from trauma. As one witness put it:

“ * * * It is quite possible that the injury that he had, appearing to be struck over the liver, that that may have produced a blood clot, which got into the circulation and a piece of that blood clot was washed off and got into the portal circulation, I mean the circulation of the lungs, and dammed up the blood so, a spot in the lungs, and as a result of that he had this typical black blood hemorrhage from his mouth and accompanying symptoms. I would say that was the most probable explanation of his death.”

It is conceded that some years prior to the accident Mr. Rossi had had what one of the expert witnesses for plaintiff describes “as an extensive tubercular process.” He says:

“If you ask me if the lung was diseased, that was perfectly obvious.
“Q. There was danger that the disease might become active at any time? A. It might be. The old tuberculosis is always liable to become active. But a man don’t die from re-inactivated tuberculosis in nineteen days. He dies in several months or several years. There is a slow process unless he dies with an acute hemorrhage, which he did.”

X-ray pictures taken in November, 1926, disclosed these lesions — then apparently healed. There was a great deal of sear tissue scattered throughout the lungs, indicating that he had had a very extensive involvement of those organs. It was the contention of appellant that death was caused by this tubercular condition, aggravated and excited into renewed activity perhaps by the accident, but nevertheless the primary cause of death. In support of this contention it introduced the certificate of death, filed by the attending physician, which contained the following:

“The cause of death was as follows: Pulmonary Tuberculosis made active by accident (Car) (duration) 4 yrs. Contributory Car Accident (Secondary).”

Again, the same physician in his initial report, submitted to appellant on February 25, *669 1927, stated that the accident' occurred because “car in which patient was riding was struck by another ear and turned over.” In reply to the question, “Give an accurate and complete description of the nature and extent of the injury,” he replied:

“Contusion and brush burn of forehead. Contusion and sprain of right lumbar and lower chest region. Wound on right leg. Bruise on left thigh.”

He also stated in answer to inquiry of whether there was any history or evidence present of pre-existing injury or disease, that deceased “had tuberculosis of right lung.” He further stated that the injured person would be able to resume his usual work in three weeks, or perhaps four. Medical witnesses introduced by appellant testified that .from what was brought out in evidence they could not say definitely what was the cause of death, but that from the symptoms detailed the death could have been caused either by the accident, or by something not at all related to it, to wit, tuberculosis. It was further their opinion that, if death was caused by embolus, as stated by witnesses for appellee, then an autopsy would have disclosed that fact. This view is thus expressed by Dr. Ogden, witness for appellant-:

“An embolus which is a blood clot floating in the blood vessel, stops up the blood vessel in the lung, of sufficient size to cause the patient to be blue and to cause death would leave this area of the lung perfectly recognizable at an autopsy, even though the em-bolus itself was not there, even though the embolus had been destroyed in the process of embalming, but the area of the lung involved by the embolus would still be recognizable.”

On April 8, 1927, appellant served upon appellee a request, in writing, for autopsy upon the body of Rossi, so that the cause of death might be determined. To this request appellee apparently at first consented upon advice of counsel, but a day or two later the demand was refused. The insurance contract provides that:

“The Company shall have the right and opportunity to examine the person of the insured when and so often as it may reasonably require during the pendency of claim hereunder, and also the right and opportunity to make an autopsy in ease of death where it is not forbidden by law.”

Witnesses for appellee deny that an autopsy would probably disclose the cause of death, and counsel for appellee contend that the Statutes of Arkansas forbid the holding of an autopsy, at least without the consent of the widow, and that, in any event, the request eame too late. The funeral was held, and deceased was placed in a receiving vault, on March 14, 1927. Apparently the first notice that appellant had of the death was on MarchJ 25,1927, when the Union Trust Company, of Little Rock, acting for appellee, asked for blanks for making proof of a death claim under the policy. It will be remembered that the first report of the accident, made by the physician in charge, indicated that the injury was not of a serious character. The demand for autopsy was made within approximately two weeks after the application for blanks for making proof, and four weeks after the death. The Arkansas statute in question is section 2723 of Crawford & Moses’ Digest, 1921, to wit:

“Removal Of Body From Grave. Every person who shall remove the dead body of any human being from the grave or other place of interment, for the purpose of stealing the same, or for the purpose of dissection, or from mere wantonness, shall be deemed guilty of a misdemeanor.”

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Bluebook (online)
35 F.2d 667, 1929 U.S. App. LEXIS 3043, Counsel Stack Legal Research, https://law.counselstack.com/opinion/standard-acc-ins-co-v-rossi-ca8-1929.