Tilley v. Cox

47 S.E. 219, 119 Ga. 867, 1904 Ga. LEXIS 386
CourtSupreme Court of Georgia
DecidedMarch 30, 1904
StatusPublished
Cited by27 cases

This text of 47 S.E. 219 (Tilley v. Cox) is published on Counsel Stack Legal Research, covering Supreme Court of Georgia primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Tilley v. Cox, 47 S.E. 219, 119 Ga. 867, 1904 Ga. LEXIS 386 (Ga. 1904).

Opinion

Fish, P. J.

S. A. Cox sued H. P. Tilley on two promissory notes. Defendant in his answer admitted the execution of the notes, 'that they were unpaid, and that the plaintiff was the holder and owner of them at the time the action was brought. He pleaded, that the notes were given for the premiums on a life-insurance policy for which he had applied to the New York Life Insurance Company, through Cox, its agent; that he intended to apply for a policy providing for a participation in dividends after the second year, which would “ reduce the premiums each year with paid-up insurance for the face of the policy at the expiration of twenty years;” that he did not read the application, for the .reason that he could not easily do so without his glasses, which he did not have at the time; that Cox represented to him that the application was for the kind of.policy he desired to obtain, and he implicitly relied upon such representation; “ that when the policy was delivered it was totally different from the one he had contracted for with said Cox, it being a twenty-year policy with no dividends until the expiration of twenty years; that defendant immediately returned said policy and demanded the surrender of his notes by said Cox, but that he refused to take the policy tendered or to surrender his notes; whereupon he mailed it to him and re-mailed it, and is willing now and has always been to disclaim any benefits under it; that on account of the aforesaid misrepresentations by said Cox he was induced to sign said notes and application, being grossly misled by fraud; that the, consideration of said notes has totally and wholly failed.” On the trial, the court directed a verdict for the plaintiff. The defendant made a motion for a new trial upon various grounds, which being overruled, he excepted.

1. One ground of the motion alleged that “ Movant offered to prove by his own parol testimony the following material facts: that he did not get the kind of policy applied for by him or the insurance applied for by him, viz., a policy which would pay to him a dividend at the expiration of the second year and at stated [869]*869periods thereafter by which he could reduce his premiums.” Another ground alleged: “ The movant offered to prove by his own parol testimony the following material facts: that the policy which was sent him was not the kind of policy he applied for —= a policy which would begin to pay dividends at the expiration of., the second year, by which he could reduce his premiums, but was a policy which paid no dividends at the expiration of the second year.” The evidence last quoted was offered after the witness had testified as follows: After he received said policy he tendered it back to Holland, and he refused to accept it. Day or two later he tendered it to Mr. Cox, and he refused; and witness tendered it again to Mr. Cox, and he again refused. Witness then mailed it to the New York Life Insurance Company in Atlanta, and it came back. He then returned it to the company in Atlanta, and it came back to the post-office again, and he refused to take it out the office and has never seen it since. Does not know what became of it. After that witness called back at the post-office and called for the policy, and the postmaster said it was not there.” The complaint was that the court erroneously rejected the evidence offered. We do not think that the court erred in ruling that this evidence was inadmissible. The plea of the defendant, as we have seen, was, that the policy he received was a twenty-year policy, which provided for no dividends until the expiration of twenty years, and that it was totally different from the one for which he had contracted. The policy itself was the highest and best evidence of what it contained, and as to whether or not it provided for a participation in dividends after the second year, which was the kind of policy the defendant claimed, in his plea, he had applied for. It is evident that the testimony of the witness did not show that the policy was either lost, destroyed, or inaccessible to the diligence of the defendant. The mere fact that the postmaster told him the policy was not in the post-office did not show that it was lost or destroyed. The postmaster did not say that it was lost, or that he did not know what had become of it. He simply said it was not in the office. Owing to the failure of the defendant to take it out of the office, the postmaster might have returned it to the address whence it came. Some one other than the defendant ’ might have called for his mail, and the policy might have been delivered to such person. [870]*870So far as this testimony showed, the postmaster might have known exactly where the policy was, or, if it had left his possession, to whom it had been delivered or where he had sent it. The defendant simply traced the missing document to the possession of the postmaster, without introducing the evidence of the postmaster to show that it was lost or what became of it. Indeed, so far as the evidence showed, the defendant might have been informed as to the -whereabouts of the policy, and it might have been an easy matter for him to have procured its production. Such information on his part was - not at all inconsistent with his statement that the postmaster told him it was not in the post-office.

2. Another ground of the motion was, that the court had no legal or constitutional right to direct a verdict for the plaintiff without the defendant’s consent, and that in so doing the defendant was deprived of his constitutional right of a trial by jury, and was deprived of his property without due process of law, which was contrary to the constitution of t^ie State and the provisions of the constitution of the United States, the provisions of the respective constitutions in reference to these matters being set out in the motion. It is well settled that the provisions of the seventh amendment to the constitution of the United States, that, “ In suits at ■ common law, where the value in controversy shall exceed twenty dollars, the right of trial by jury shall be preserved,” applies only to the courts of the United States. Murray’s Lessee v. Hoboken L. & I. Co., 18 How. 280; Walker v. Sauvinet, 92 U. S. 90; Pearson v. Yeudall, 95 U. S. 294; Spies v. Illinois, 123 U. S. 131; 6 Am. & Eng. Enc. L. 974, and cit., note 4. It is equally clear that the fourteenth amendment to the Federal constitution, providing that no State shall “ deprive any person of life, liberty, or property, without due process of law,” does not require a jury. Walker v. Sauvinet, supra; Hall v. Armstrong, 65 Vt. 421; Fant v. Buchanan (Miss.), 17 So. 371. The Civil Code, § 5331, provides: “Where there is no conflict in the evidence, and that introduced with all reasonable deductions or inferences therefrom demands a particular verdict, the court may direct the jury to find for the party entitled thereto.” This section does not contravene the provision of our State constitution, that the right of trial by jury shall remain inviolate, nor [871]*871the provision that no person shall be deprived of property except by due process of law. Under our procedure, it is the province of the jury, in civil cases, to pass upon questions of fact, and a trial by jury in such cases presupposes an issue of fact; so if there be no such issue, there is nothing for a jury to pass on.

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Bluebook (online)
47 S.E. 219, 119 Ga. 867, 1904 Ga. LEXIS 386, Counsel Stack Legal Research, https://law.counselstack.com/opinion/tilley-v-cox-ga-1904.