Stone v. Standard Life & Accident Insurance

38 N.W. 710, 71 Mich. 81, 1888 Mich. LEXIS 578
CourtMichigan Supreme Court
DecidedJune 22, 1888
StatusPublished
Cited by4 cases

This text of 38 N.W. 710 (Stone v. Standard Life & Accident Insurance) is published on Counsel Stack Legal Research, covering Michigan Supreme Court primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Stone v. Standard Life & Accident Insurance, 38 N.W. 710, 71 Mich. 81, 1888 Mich. LEXIS 578 (Mich. 1888).

Opinion

Champlin, J.

Mrs. Stone, as the beneficiary named in a policy of insurance issued by defendant, brought suit, alleging the death of her husband, who was the assured, “through external, violent, and accidental means,” on July 29, 1886.

The defendant’s contention was as follows:

1. The death of Hamilton Stone (the assured), and the injuries occasioning the same, happened in consequence of his being under the influence of intoxicating drinks.

2. That his death happened while he was under the influence of intoxicating drinks.

3. That it happened through his failure to use due diligence for his own personal safety and protection.

The defendant’s denial of the plaintiff’s right of recovery is based upon the following conditions of the policy, viz.:

“1. And no claim shall be made under this policy * * * when the death or injury may have happened
while the insured was, or in consequence of his having been, under the influence of intoxicating drinks.
“2. The insured is required to use due diligence for personal safety and protection.”

Testimony was introduced upon these issues, and the defendant’s counsel submitted to the jury the following-questions:

“1. Was Hamilton Stone, when he fell into the cellar or excavation in question, and received his fatal injury, in any wise under the influence of intoxicating drinks?
“2. Did the death of Hamilton Stone happen in consequence of his having been under the influence of intoxicating drinks?
“ 3. Did Stone use due diligence for his own safety and protection ?
“4. Could Stone, by the.exercise of that degree of care and watchfulness which ordinarily prudent people exercise concerning their own personal safety and protection, have avoided falling into the cellar or excavation in question?”

[83]*83The jury answered the first, second, and fourth questions in the negative, and the third in the affirmative.

The testimony introduced warranted special findings of the jury, and the facts thus found are conclusive against the defense relied on by defendant to defeat a recovery.

The assured met his death at about 1 o’clock on the morning of July 29, by falling into an excavation made in the sidewalk of Grand River avenue, in the city of Detroit, where the Toung Men’s Christian Association building was in process of erection. This excavation extended nearly or quite across the width of the sidewalk to the depth of 12 feet or more. On the night named he was walking along the sidewalk of Grand River avenue from the direction of Woodward avenue. The sidewalk was composed of flagging stone of a gray color. From the end of the excavation opposite that towards which Stone was approaching, there had been constructed a scaffold, the covering of which was plank, upon which lime and stone had been deposited, and which was nearly on a line with the sidewalk, and had very much the same appearance as the flagging stone at that time of night.

There was a space between this scaffold and the edge of the excavation towards which Stone was approaching, of about 15 or 20 feet uncovered. A barricade across .the sidewalk had been placed close to the edge of this excavation, consisting of sewer crocks from 25 to 30 inches in height, and one foot in diameter, — one placed at the outer edge of the sidewalk, and one near the center. An abutment of stone of about the same height was standing near the line of the inner edge of the walk. Plank was placed on top of these crocks and the abutment, lapping on the center crock, and upon these heavy stones were placed. An electric light some distance off cast its rays upon the scene of the accident brilliantly enough to deter[84]*84mine- the time of night upon the dial of an ordinary watch.

Richard H. Lansing was coroner, and was immediately summoned to the scene, and made observations of the surroundings, and he was produced as a witness by the plaintiff, and gave his testimony respecting the-situation.

He testified:

“There was no barricade except these planks laid on top of these crocks. Evidently the barricade had broken in when Mr. Stone fell into the cellar, and further on the barricade was still up. This barricade was simply boards or planks laid on the top of the sewer crocks.
“ Q. On that night did you step back from the edge of the excavation about ten feet, and look up Grand River avenue to the west?
“A. I do not know the number of feet, but I certainly looked up from Grand River avenue in the direction? of the excavation along the line of what would be the sidewalk if it was continued through to Griswold. * * *
Q. How close to the excavation were you when you took that observation?
“A. That would be impossible to tell. I know I noticed at that time what might be a seeming delusion as to the trestle-work along by the wall on a level with the sidewalk, on an exact line with where the sidewalk would be if it was in position, and the reflection of the electric light over in another direction coming as it did, ■ it occurred to me that it might be a sort of delusion, looked as though there was a real sidewalk in existence there. That idea struck me on the spot, by going out to several different points, and noticing the similarity in appearance of the grayish color of the planking on the top of the trestles, and comparing it with the appearance of the flag sidewalk.
Q. Was that appearance as though it was a continuation of the sidewalk ? ;
“A. Yes, sir, for a part of the way it was.
“ Q. Well, at what point did it not appear so?
“A. Certainly where the end of the trestle-work and the' end of the wall stopped it presented a broken appearance.
“ Q. That is, when you got on, to the edge and looked down? ‘
[85]*85“A. Not necessarily.
Q. Did you not make this statement to the coroner’s jury : ‘ In walking up Grand Eiver avenue ’ ”—

Counsel for defendant here objected to the introduction either in the form of a question or anything else of that statement, for the reason that it was not legitimate or proper, nor did the witness need it.

The court directed the question to be asked, and counsel for defendant excepted to the ruling. The counsel then asked the question as follows:

Q. After making that observation on Grand Eiver avenue that night, did you not make this statement before the coroner’s jury: ‘In Avalking up Grand Eiver avenue on this side, when you got within ten feet of this excavation, by reason of the stone wall and mason’s platform built out on the Grand Eiver side beyond the walk, consisting of horses and plank laid across, as it was last night, as a persbn approached it, th*e appearance would be exactly that.of a stone sidewalk?’”

To which he answered:

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

Related

Durbin v. K-K-M Corp.
220 N.W.2d 110 (Michigan Court of Appeals, 1974)
Hileman v. Indreica
187 N.W.2d 411 (Michigan Supreme Court, 1971)
Battle Creek Food Co. v. Kirkland
299 N.W. 167 (Michigan Supreme Court, 1941)

Cite This Page — Counsel Stack

Bluebook (online)
38 N.W. 710, 71 Mich. 81, 1888 Mich. LEXIS 578, Counsel Stack Legal Research, https://law.counselstack.com/opinion/stone-v-standard-life-accident-insurance-mich-1888.