Sun Oil Co. v. Ohio Farmers' Insurance

15 Ohio C.C. 355, 8 Ohio Cir. Dec. 145
CourtOhio Circuit Courts
DecidedJanuary 15, 1898
StatusPublished

This text of 15 Ohio C.C. 355 (Sun Oil Co. v. Ohio Farmers' Insurance) is published on Counsel Stack Legal Research, covering Ohio Circuit Courts primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Sun Oil Co. v. Ohio Farmers' Insurance, 15 Ohio C.C. 355, 8 Ohio Cir. Dec. 145 (Ohio Super. Ct. 1898).

Opinion

Parker, J.

This case comes into this court by petition in error from the common pleas, where the Ohio Insurance Company was plaintiff, and the Sun Oil Company was defendant. The petition filed by the plaintiff below sets forth that it is a duly incorporated insurance company, authorized to do business in the state of Ohio; that the defendant, The Sun Oil Company, is also an incorporated company, engaged in the business of mining for and producing petroleum oils; that on the 16th day of September, 1893, the plaintiff insured George Bowe and William M. Bowe against loss or damage by fire, to their barn, hay, grain, fodder and seed and certain other property, in an amount not exceeding $1017,25. That while said contract of insurance was in force, certain of this property was destroyed b} fire; that the amount of the loss so occurring was $1017.25, which the plaintiff was-required to and did pay to the Bowes. The petition then proceeds to charge that this fire occurred through the fault and negligence of The Sun Oil Company; that while it was engaged in the prosecution of its business of mining and drilling for petroleum oil, it used a certain boiler to operate a certain engine and machinery, in proximity to this barn and other property so insured. That upon the day the fire occurred there was a high wind prevailing and blowing from [357]*357the direction of this boiler toward this barn and other property; that the Sun Oil Company failed to use proper screens or other precautions to prevent sparks from being emitted from the smoke-stack of this boiler; that they burned wood' under the boiler, which caused large sparks, and a great many of them,and that on that account,'and on account of the prevailing wind or gale, their action was negligent, and that in consequence of this negligent action, certain litter in and about the barn was fired, and the fire was communicated therefrom to a straw-stack next to the barn, and this property was so destroyed.

The answer denies the allegations upon which the conclusion of negligence is founded.

The claim of the insurance company was for $1017.25, which it had been required by the Bowes to pay in consequence of this fire. They claim that by operation of law they became subrogated to the rights of the Bowes as against The ¡Sun Oil Company. The case went to a jury, and the jury returned a verdict in favor of the plaintiff below for the full amount claimed, and upon this verdict a judgment was entered.

The principal contention here, on behalf of the plaintiff in error is: that the case stated in the petition was not made out by the proofs; that if any case was made out by -the proofs, it was one widely varying from that stated in the petition — -that there was either a failure of proof,or a material variance. This contention was based chiefly upon the claim that it was fairly established by the evidence that there was no negligence on the part of defendant below in the use of the sort of fuel that was used under this boiler, and that there was no negligence in not using a screen or spark-arrester over the smoke-stack. It does not appear to have been claimed on behalf of the plaintiff below that these acts,either of them,amounted to negligence per sé; but that, under the circumstances, considering the proximity, of the [358]*358barn and these inflammable materials, and the gale that was blowing from the direction of the engine towards the barn, and the further fact, which appears in the evidence, that the servants of the defendant below who were operating this boiler had been cautioned against the danger — that all of these facts and circumstances combined amounted to negligence on the part of defendant below.

After a careful consideration of this question, we do not And that there was any failure of proof, or variance, which required the court below to act upon the motion of the defendant below to arrest the case from the jury.

It is also contended that the verdict is against the weight of the evidence. We do not deem it necessary to go through this bill of exceptions and review the evidence, but we have read it and considered it, and it seems to us that the jury was justified in finding as they did — that the defendants below were guilty of negligence; that the verdict is amply sustained, as I have intimated. The engine was situated but a short distance — some 300 or 350 feet — from this barn, straw-stack, litter, etc., and the wind was blowing in that direction, and sparks were blowing out of the smoke-stack; and, in addition to these considerations,, a fire had been communicated from this boiler to a fence-post, or part of a fence,-between the boiler and the barn, and npon this fire being extinguished, the attention of these servants of the defendant, The Sun Oil Company, was called to the fact that fire had been so communicated from their boiler, and they were cautioned against operating the boiler as they were operating it under the existing conditions; they were told that it would probably result in the burning down and destruction of the premises of the Bowes. They seem to have recognized (he fact that the operation was dangerous, and promised to correct their mode of operation so that the danger would be averted; but it appears that they did not do so, and the fire resulted.

[359]*359This contention seems to have been based on the theory of counsel for plaintiff in error — that the insurance company was bound to make out the same kind of a case of negligence against the Sun Oil Company as it would be required to make out m order to successfully resist an action upon the part of the Bowes upon the insurance policy. To resist this action upon the policy successfully, or to give a right of action to the insurance company against the Bowes, if the act had been their act — the setting of fire to this property — 'it would have been necessary to show that the negligence was so gross as to amount to wilfullness or fraud. It is contended that the rights of the insurance company against the tort feasor are no greater than the rights of the insurance company against the insured; but we are not cited to any authority in support of this contention,and we know of none. We regard it as a novel proposition, and one in support of which we can think of no good reason.

The rule as to the insurance company, that is to say affecting the right of the insurance company against the insured, grows out of and is modified by the contract of insurance. The Sun Oil Company, the defendant below, is not privy to this contract: it has no rights under it. Its rights against the insurance company are not enlarged by it, nor are the rights of the insurance company against it in any way reduced, qualified, or limited by it. The consideration does not proceed from the Sun Oil Company to the insurance company, and no promise runs from tbeinsurance company to the Sun Oil Company. The rule is too well settled to admit of any doubt, or to require any discussion or the citation o'f any authorities, that if the insured property be destroyed through the fault or negligence of another than the insured, the insurance company, upon payment of the loss, will be subroga,ted to the rights of the insured owner to recover from the wrong-doer to the extent that the insurance company has been obligated to pay, and [360]*360has paid. The rights of the insurance company under such circumstances are precisely those of the owner against the wrong-dcer.

The rules of law applicable to the case appear to have been very fully, clearly and correctly given by the court in its charge to the jury.

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Cite This Page — Counsel Stack

Bluebook (online)
15 Ohio C.C. 355, 8 Ohio Cir. Dec. 145, Counsel Stack Legal Research, https://law.counselstack.com/opinion/sun-oil-co-v-ohio-farmers-insurance-ohiocirct-1898.