Swinnerton v. . Columbian Insurance Co.

37 N.Y. 174
CourtNew York Court of Appeals
DecidedSeptember 5, 1867
StatusPublished
Cited by27 cases

This text of 37 N.Y. 174 (Swinnerton v. . Columbian Insurance Co.) is published on Counsel Stack Legal Research, covering New York Court of Appeals primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Swinnerton v. . Columbian Insurance Co., 37 N.Y. 174 (N.Y. 1867).

Opinion

[EDITORS' NOTE: THIS PAGE CONTAINS HEADNOTES. HEADNOTES ARE NOT AN OFFICIAL PRODUCT OF THE COURT, THEREFORE THEY ARE NOT DISPLAYED.] *Page 176

[EDITORS' NOTE: THIS PAGE CONTAINS HEADNOTES. HEADNOTES ARE NOT AN OFFICIAL PRODUCT OF THE COURT, THEREFORE THEY ARE NOT DISPLAYED.] *Page 177 The body of the policy on which this action is brought contains the following clause: "Touching the adventures and perils which the said Columbian Insurance company is contented to bear and take upon itself in this voyage, they are of the seas, men-of-war, fires, enemies, pirates, rovers, thieves, jettisons, letters of mart and countermart, reprisals, taking at seas, arrests, restraints and detainments of all kings, princes or people of what nation, condition or quality soever." In the margin of the policy is the following statement: "Warranted free from loss or expense arising from capture, seizure or detention, or the consequences of any attempt thereat." It is clear, upon authority, that the recital last quoted constitutes a warranty on the part of the *Page 178 assured, and that it is a qualification of the obligation of the insurer contained in the covenant before cited. (Dole v.Merchants' Ins. Co., 51 Maine, 465; Dole v. New Eng. Ins.Co., 6 Allen, 373; Fifild v. Ins. Co., 47 Penn. 166; ThePrize Cases, 2 Black U.S. 635.)

It is held in the same cases that the capture of an insured vessel by a cruiser of the so-called Confederate States is within this warranty, and relieves the insurer from liability upon the policy. These decisions were based upon the principle, that, when a portion of the citizens of a civil government have rebelled, established another government, resorted to arms to maintain it, and the rebellion is of such magnitude that the military and naval forces of the government have been called out to suppress it, they are to be regarded as belligerents. To create belligerent rights, it is not necessary that there should be war between separate and independent powers. They may exist between the parties to a civil war. A state of actual war may exist without a formal declaration of it by either party, and this is true both of a civil and a foreign war. A civil war exists, whenever the regular course of justice is interrupted by revolt, rebellion, or insurrection, so that the courts cannot be kept open. (2 Black Prize Cases, 667, 668.)

It is further held, by the same authorities, that the capture of an insured vessel by an unorganized body of men, who are thieves, robbers and pirates simply, with no pretense of authority from an organized government, does not relieve the insurer from liability under the clauses in question. I shall examine the questions arising in this case upon this theory of the rights of the parties.

On the 21st of April, 1861, the plaintiff's vessel was undergoing repairs in the port of Norfolk, Virginia, where she had been driven by stress of weather. On the morning of that day a body of men, thirty or forty in number, took her from the place where she was being repaired, and towed her to a wharf in another part of the city. Here, aided by an equal number of men on the wharf, they broke open the cabins of the vessel, filled her with stones, and took her about a *Page 179 mile down the river. She was towed off amid the cheers and shouts of those on shore, and sunk at the mouth of the channel. The person conducting these operations paid no attention to the remonstrances of the captain, but informed him that what he did was by authority of the State of Virginia. The captain could obtain no aid from the military and no relief from the courts. It was a scene of public excitement — as the witness terms it, of madness — the occasion of which will appear hereafter.

Properly to appreciate the condition and rights of the parties, it is necessary to look at the state of the country on the 21st of April, 1861, when the events we have detailed, occurred.

The written Constitution, under which the government of the "United States of America" was formed, was adopted in 1787. At the close of the war with Great Britain, in which its independence was accomplished, the Union was composed of thirteen States. In 1861, the Union consisted of thirty-six States, possessing many rights independent of each other, and independent of the united government formed by them. Of these States Virginia was one, South Carolina, Georgia, Mississippi, Alabama, Texas and Florida were others. The disputes and jealousies existing between the different sections of the country and the people of the different States, took form and shape in the autumn of the year 1860. The elections held in November of that year resulted in the choice of Abraham Lincoln as President of the United States. A portion of the Southern States, professing to consider this result and the principles of the successful party as destructive to the institution of African slavery, then existing in those States, determined to withdraw from the Union. The right thus to withdraw had been claimed by those States for many years, while the claim had been steadily and uniformly denied by the Northern States.

On the 20th of December, 1860, with ostentatious defiance, the State of South Carolina, by a convention called to act upon this particular subject, declared that the ordinance of 1788, whereby the Constitution of the United States was *Page 180 ratified, and all acts of the State of South Carolina ratifying amendments of that Constitution, were repealed; and declaring that the "union now subsisting between South Carolina and other States, under the name of `The United States of America,' is hereby dissolved." The raising of armies and the appointment of commissioners to proceed to Washington, to demand the delivery to that State of all forts, light-houses and magazines within its limits, and also for the apportionment of the public debt, and a division of all the public property of the United States, immediately followed. During the months of January and February then next, the States of Mississippi, Alabama, Louisiana, Florida and Texas, adopted ordinances to the same effect.

In the month of February, 1861, the deputies from these States assembled at Montgomery, in the State of Alabama, and organized a government upon the same general plan as the one then and now constituting the Union of the States of America. They elected a president and vice-president; organized a congress, to consist of senators and members from the several States forming their nation; a cabinet of executive officers was selected; the moneys and credits of the government were issued; commissioners for foreign States were appointed; military, naval and civil officers were designated; a national emblem was assumed; and all the forms of a permanent and an efficient government were adopted, with the name of "The Confederate States of America." The States of North Carolina, Virginia, Tennessee, Missouri and Arkansas subsequently joined this confederacy. It is sufficient, for the purpose of deciding the legal questions before us, to say, that the rebellion thus organized, assumed gigantic dimensions. A war was carried on for four years, by land and by sea, between the two governments, with varied success on the part of the different armies. It terminated in the triumph of the government and the complete overthrow of the rebellion, in the spring of 1865; but not until the government had expended three thousand millions of dollars in its suppression, and three hundred thousand *Page 181

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Bluebook (online)
37 N.Y. 174, Counsel Stack Legal Research, https://law.counselstack.com/opinion/swinnerton-v-columbian-insurance-co-ny-1867.