Thomas v. Pennsylvania Fire Insurance

163 So. 2d 202, 1964 La. App. LEXIS 1570
CourtLouisiana Court of Appeal
DecidedApril 6, 1964
DocketNo. 1386
StatusPublished
Cited by6 cases

This text of 163 So. 2d 202 (Thomas v. Pennsylvania Fire Insurance) is published on Counsel Stack Legal Research, covering Louisiana Court of Appeal primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Thomas v. Pennsylvania Fire Insurance, 163 So. 2d 202, 1964 La. App. LEXIS 1570 (La. Ct. App. 1964).

Opinion

SAMUEL, Judge.

This is a suit on an insurance, policy. Plaintiff seeks to recover the replacement value of a bulldozer blade 'and the cost of repairing certain damage to the radiator core of a D-7 Caterpillar tractor. Defendant answered admitting the policy, denying: the allegations relative to liability and' averring, in the alternative, that' the loss o£ the blade and the radiatbr damage were-caused by the infidelity of E. T. McArthur' who had been entrusted with the tractor' and bláde by plaintiff, a coverage excluded', by the policy. Defendant also filed a third-party demand against' McArthur alternatively seeking a judgment against him im the amount of any judgment rendered! against defendant- in favor of plaintiff-’

McArthur’s answer to the- third-party petition denies liability and, in addition, specially pleads the compromise of a prior suit in the 19th Judicial District Court between plaintiff and himself by which compromise plaintiff released; and discharged McArthur from all claims relative to the tractor and blade, thus also releasing Mc-Arthur from such claims by the defendant, plaintiff’s subrogee. By supplemental answer defendant pleaded the compromise as a further defense to plaintiff’s claim, averring that by granting a release to McAr-thur plaintiff had violated the subrogation, provisions of the policy.

There was judgment in the trial court m favor of plaintiff and against the defendant for $1,900.00 ($1,500.00, representing replacement value of the blade, plus- $400.00 for repairs to the radiator), less the policy deductible of $100.00, with legal interest and costs. The judgment also, dismissed [204]*204defendant’s third-party demand against McArthur. Defendant has appealed.

Defendant'makes the following contentions : (1) Plaintiff has failed to prove that the loss of which he complains comes under any of the policy’s insured perils; (2) Plaintiff’s loss was caused by E. T. Mc-Arthur and was therefore a loss specifically excluded from coverage under the terms of the policy; (3) Plaintiff forfeited his rights under the policy when he breached its subrogation provisions by giving Mc-Arthur a complete release of all claims involving the tractor and blade; and (4) Alternatively, plaintiff has failed to prove either the value of the blade or the cost of repairing the radiator. Defendant further contends that, should all of these defenses fail, it is entitled to a third-party judgment against McArthur.

The record reveals that plaintiff was the owner of a certain D-7 Caterpillar tractor insured by the defendant under a contractors’ equipment floater policy. The tractor was equipped with a bulldozer blade which was approximately 10 feet in width, 3 or 314 feet in height, and weighed about 4,000 pounds. Plaintiff sent the machine to E. T. McArthur, d/b/a/ Louisiana Crawler 'Company, in Baton Rouge for repairs. It remained on McArthur’s yard for more than two years as the result of a dispute between plaintiff and McArthur arising out 'of various business dealings. Each claimed the other was indebted to him. McArthur refused to return the tractor to the plaintiff and the latter finally filed suit in the 19th Judicial District Court for the Parish of East Baton Rouge and obtained a writ of sequestration under which the machine was seized by the sheriff of that parish.

McArthur was served with notice of the sequestration on July 14, 1961. At that time the machine was mired in the mud and weeds'of McArthur’s yard and it was not removed by the deputy sheriff making the seizure. The deputy did not appoint a custodian but he did return the same afternoon to make the removal. He was unable to do so because the yard was surrounded by a 7 foot wire fence, the gate was locked and McArthur could not be located. The following day, or perhaps one or two days thereafter (the record is not clear on this point), the tractor was moved and stored on property used by the sheriff’s office for keeping heavy seized equipment.

There is considerable conflict in the testimony of the witnesses relative to whether or not the blade was attached to the tractor on July 14 when the notice of sequestration was served. However, the trial court found as a fact that the blade was so attached at that time. We are unable to say that the trial court erred in making that finding and accordingly accept the same. The blade was not attached to the tractor at the time the machine was moved to the sheriff’s lot. It had disappeared, has never been recovered and there is no direct evidence as to what actually happened to it.

The policy affords protection against various named perils. Only three are pertinent here. Those are the provisions which insure against loss or damage directly caused by theft, vandalism or malicious mischief. Loss by “mysterious disappearance” is not covered. Plaintiff therefore bears the burden of proving by a preponderance of the .evidence that the loss and damage were caused by one of these three covered risks. However as this court said in King Finance. Co. of La. v. Fireman’s Fund Ins. Co., La.App., 159 So.2d 708, 709: “The loss and cause of loss does not have to be proved beyond a reasonable doubt but must be proved by a preponderance of the evidence, and circumstantial evidence may be sufficient.”

It is quite clear that recovery cannot be had under either vandalism or malicious mischief. In both there must be an actual purpose or design, an intent, to injure, damage or destroy. Ducote v. United States Fidelity & Guaranty Co., 241 La. 677, 130 So.2d 649. Here there is no evidence that any such intent, purpose or [205]*205design was involved in the loss of the blade or the damage to the radiator. A recovery by the plaintiff can only be had under the policy provision relative to theft. That insured peril includes an intent to permanently deprive the owner of the blade. Ducote v. United States Fidelity & Guaranty Co., supra.

We are of the opinion that the facts proved by the plaintiff, as found by the trial court are sufficient to establish that the loss of the blade was occasioned by theft. Considering all of the circumstances no other conclusion is tenable. The size and weight of the blade negative any possibility of misplacement, disappearance or simple loss in the usual sense. It had to be removed by a human agency which not only intended to remove it from the tractor and take it away but was also prepared with the equipment necessary for the accomplishment of that purpose The fact that the blade has never been found is, under the circumstances peculiar to this case, a sufficient indication that it was removed and taken away with the intention of permanently depriving the owner of the same. As the property was out of the possession of the plaintiff, and we note that his place of business was in Kenner, approximately 90 miles from Baton Rouge, to require any further proof of theft on his part would be equivalent to requiring proof impossible for him to obtain.

We disagree with that portion of the trial court judgment which awards $400.00 for repairs of the damage to the radiator .and reduce the judgment accordingly. That award was made on a finding by the court that the radiator was damaged while the blade was being removed by the thief. But the evidence doeá not warrant such a ■finding. The blade was attached to the machine with eight bolts and an operational ■cable. Its removal from the tractor was a comparatively simple process and one not likely to cause damage to the radiator. Additionally, the record contains no legal proof that the damage occurred during the life of the policy.

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Bluebook (online)
163 So. 2d 202, 1964 La. App. LEXIS 1570, Counsel Stack Legal Research, https://law.counselstack.com/opinion/thomas-v-pennsylvania-fire-insurance-lactapp-1964.