Travelers' Ins. v. Person

58 F.2d 210, 1932 U.S. App. LEXIS 4687
CourtCourt of Appeals for the Eighth Circuit
DecidedApril 13, 1932
DocketNo. 9244
StatusPublished
Cited by4 cases

This text of 58 F.2d 210 (Travelers' Ins. v. Person) is published on Counsel Stack Legal Research, covering Court of Appeals for the Eighth Circuit primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Travelers' Ins. v. Person, 58 F.2d 210, 1932 U.S. App. LEXIS 4687 (8th Cir. 1932).

Opinion

STONE, Circuit Judge.

Appellant issued an accident insurance policy to Rudolph C. Person. Insured began an action for payments due because of total disability. Before trial, insured died. His administrator was substituted and continued the action for the disability payments. The death beneficiary intervened to recover the payment due on account of death. There was a verdict and judgment according recovery to both. The insurance company brings this appeal.

The accident occurred September 17, 1927. The insured died September 24, 1930. The policy insured “against loss resulting 1'rom Bodily -Injuries, effected directly and independently of all other causes, through accidental means. * * * ” The policy provision as to total disability was: “If sueh injuries, independently and exclusively of all other causes, shall wholly and continuously disable the Insured from the date of accident from performing any and every kind of duty pertaining to his occupation, the Company will pay, so long as the Insured lives and suffers sueh total disability, weekly indemnity at the rate hereinbefore specified.”

The provision as to death was that, “If such injuries shall wholly and continuously disable the Insured from the date of accident from performing any and every kind of duty pertaining to his occupation, and during the period of sueh continuous disability but within two hundred weeks from date of accident, shall result independently and exclusively of all other causes in” death, a payment of $6,-009 would be made to the beneficiary.

The errors urged here are of two kinds. The first challenges the sufficiency of the evidence. The second has to do with rulings upon the admission of evidence.

I. Sufficiency of Evidence.

The challenge of the sufficiency of the evidence is twofold: Eirst, that the evidence did not show that the injury was effected directly and independently of all other causes through accidental means; second, that the injury was not shown to have been a continued disability from the date of injury.

Accidental Injury. The occurrence and character of the accident is revealed in the evidence with no material dispute, and was as follows: Insured was riding in the rear seat of an automobile which, while going about thirty miles an hour, struck a defective place in a culvert causing insured to be thrown upward from the seat, his head striking a crosspiece in the car top so violently that it broke the flesh making a bloody wound and leaving a permanent sear and bump. This was the only place insured was struck.

The injury complained of was to the right side of his neck and developed into a sarcoma which resulted in death about three years later. The contentions of appellant are (1) that there was no evidence that the blow on the head caused the sarcoma, and (2) that the sarcoma was already in existence at the time of the accident, or, at the very least, it was sueh a doubtful matter that there was a failure of proof that it had been caused by the accident.

Appellant contends that the evidence of all of the medical experts was to the effect that traumatic sarcoma could be caused only by a blow or violence at the place where the sarcoma might later develop, and that the only direct blow here was to the top of the head. The medical evidence revealed that the causes of sarcoma were both known and unknown; that one known cause was trauma; that it was a more or less accepted belief that there must be a direct bruise or wound at the point where the sarcoma later appeared. Several medical witnesses testified that this accident had, in their opinion, caused this sarcoma. Others testified, in their opinion, it could not have done so. The evidence is overwhelming that on the day of the accident insured complained principally of injury to his neck; that this continued to be the main seat of trouble, and that it was that injury which was treated. Prom the first, his neck was stiff and sore and he complained that he could not move it and the pains there increased. Ten days later, the glands on the right side of the neck became enlarged. Later, a secondary enlargement occurred. This enlargement increased. Under treatment, it partially subsided. Thereafter, it grew larger and spread, resulting in partial paralysis of the right side of the face. In the face of this testimony, the jury could hardly have avoided the conclusion that there was an injury to the neck from the accident, and that there was a direct connection between that injury to the neck and the resultant sarcoma. The medical testimony, by no means, prevented sueh a conclusion. When something unusual interrupts the current of events and something unusual closely follows, there is nothing unreasonable in believing that the one followed because of the other. Medicine is not an exact science. This medical testimony is that the causes of sarcoma are known only in part. Medical expert theories or beliefs are not permitted to conclusively contradict a sequence of evidentiary facts which [212]*212show an apparent cause and effect. Such expert testimony may be very helpful to juries in understanding the meaning of the evidence before them and in enabling them to reach a proper and intelligent verdict, but they go no further than' being advisory. If a man drops dead immediately after being struck in the face, no amount of medical testimony can compel the conclusion of a court or jury that the blow did not or could not cause the death. The injury to the top of the head here probably had nothing whatever to do with the sarcoma, but the evidence clearly shows that there was an injury to the neck when this 218-pound man was suddenly and violently thrown head first against the top of this ear.

As to the contention that the sarcoma existed at the time of the accident: There was evidence of a doctor who had treated insured for an enlargement “about the size of a dollar” from July 2 until September 1 (the accident occurring on September 17); that the enlargement was on a sear, and that the sarcoma appeared later at that place on the scar. As to whether this enlargement had anything to do with the sarcoma, he testified: “Not to my knowledge.” “I do not know whether it had anything to do with the sarcoma.” He did not treat insured after the accident, except the day following, but saw the sarcoma a month after it developed. Other witnesses (including a doctor who treated him) testified the sarcoma growth was not at the place of the sear. There is also testimony by several witnesses that the enlargements which resulted in or indicated the sarcoma did not appear until ten days after the accident. Blood tests made six weeks after the accident showed a healthy condition. The blood examiner stated: “His history suggests a possible lymphadenitis [inflammation of the lymphatic glands], although one must keep in mind a malignant change.” The jury were justified in concluding that there was no connection between the enlargement treated before the accident and those appearing after the accident. At least, this was a matter to be determined upon conflicting testimony.

Continuous Disability. In order for the administrator or the intervener to recover, the policy required that the injury to insured “shall wholly and continuously disable the insured from the date of accident from performing any and every kind of duty pertaining to his occupation,” which was that of “automobile salesman, demonstrating, not repairing or racing.” The evidence as to this disability is conflicting. Probably, the weight of the evidence favors the existence of continuous disability.

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Related

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175 F.2d 863 (Fifth Circuit, 1949)
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64 F. Supp. 59 (E.D. Missouri, 1946)
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Cite This Page — Counsel Stack

Bluebook (online)
58 F.2d 210, 1932 U.S. App. LEXIS 4687, Counsel Stack Legal Research, https://law.counselstack.com/opinion/travelers-ins-v-person-ca8-1932.