Travelers Insurance v. Employers Liability Assurance Corp. Ltd., of London

186 N.E. 912, 97 Ind. App. 365, 1933 Ind. App. LEXIS 77
CourtIndiana Court of Appeals
DecidedSeptember 25, 1933
DocketNo. 14,751.
StatusPublished
Cited by3 cases

This text of 186 N.E. 912 (Travelers Insurance v. Employers Liability Assurance Corp. Ltd., of London) is published on Counsel Stack Legal Research, covering Indiana Court of Appeals primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Travelers Insurance v. Employers Liability Assurance Corp. Ltd., of London, 186 N.E. 912, 97 Ind. App. 365, 1933 Ind. App. LEXIS 77 (Ind. Ct. App. 1933).

Opinion

Dudine, J.

— The complaint charged that one Louis Adler sustained a personal injury by accident arising out of and in the course of his employment, as an employee of H. G. Newman Plumbing Company, as a consequence of which appellant, the insurance carrier of the Newman Company, was required by order of the Industrial Board of Indiana, to, — and did make certain compensation payments to said Adler; that Adler in fact sustained the injury under circumstances creating, in C. Kanzler and Son Company, a legal liability to reimburse appellant. That on or about June 14, 1926, appellant notified said Kanzler Company that appellant would look to said Kanzler Company for reimbursement. That appellee, as insurance carrier for said Kanzler Company, entered into written contract consisting of certain letters whereby appellee agreed to reimburse appellant for said compensation payments. The letters referred to, as constituting said contract, were made part of the complaint. The material parts of the letters are as follows :

(1) (A letter under date of the 4th day of February, 1926, to the plaintiff from the defendant.)

“Referring to your claim of Louis Adler v. H. G. Newman Plumbing Company, your letter of January 14th, 1926, addressed to Kanzler and Son Company has been referred to us for attention. At the time *367 this accident occurred this Corporation carried the general contractors’ public liability insurance, but since the accident occurred on November 10th, 1925, and the first notice which we had thereof was January 21, 1926, the case is one of delayed notice and we are accordingly investigating the case preparatory to submitting the file to our Chief Office for definite instructions with respect to assumption. In order that we might have all of the available information, we would respectfully suggest that you let us have the following data:
“Total amount of compensation paid.
“Period covered by such payment.
“Weekly rate.
“Total medical, surgical, hospital and nurse’s bill paid.
“Bills covering the same kind of service which are outstanding, and the estimated amount thereof.
“Has final payment of compensation been made, and if not, what is your best judgment as to the additional amount you will be called upon to pay?
“If you can consistently do so, we would also appreciate your furnishing us with copies of any doctor’s reports which you might have on file which would fully apprise us with respect to the nature and extent of the injury sustained and the probable outcome thereof.
“We thank you in advance for the courtesy of your cooperation in our endeavor to complete our investigation and getting all available facts.”

(2) (A letter under date of the 5th day of February, 1926, to the defendant from the plaintiff.)

“This will acknowledge receipt of your letter of February 4th and in reply would advise you (giving detailed report of payments made on the Adler case,— and of bills outstanding, prospective payments, and expenses.) . . .
“We would be glad to hear from you and learn what your position in this case will be, since we feel that there is no doubt but that Mr. Kanzler is responsible for the accident that has occurred and feel that we should be reimbursed in its entirety for the amount of our necessary expenditures in this case.”

*368 (3) (A letter under date of the 8th day of March, 1926, to the defendant from the plaintiff.)

“ . . . For your information, the case of Louis Adler v. the H. G. Newman Plumbing Company has been set for a hearing before the Industrial Board of the state of Indiana to be heard at the Court House in Evansville, Indiana, on March 16, 1926, at 9:00 A. M. This case comes up for hearing by reason of the fact that Mr. Adler has returned to work but is refusing to execute a final receipt for compensation which we have paid, also to determine the question of permanent partial impairment, if any.
“We are giving you this notice for whatever information it may be to you in case you should decide to have a representative present at the hearing to protect your rights,, if any.”

(4) (A letter under date of the 12th day of April, 1926, to the plaintiff from the defendant.)

“With further reference to the above captioned matter, the corporation‘has now definitely decided to waive the delay on the part of the insured in reporting the accident to us, and to assume the case.
“We would therefore ask that when you are ready to discuss settlement you be so kind as to take the matter up directly with this office.”

Appellee filed a demurrer to the complaint, which demurrer was sustained, and appellant refused to plead further. Judgment was rendered accordingly, and appellant perfected this appeal assigning as its sole error of law that the court erred in sustaining said demurrer.

The questions presented by this appeal are limited, in effect, to the question of whether or not the letters set out in the complaint are sufficient to constitute a valid and binding contract.

Appellant contends that appellees’ letter of February 4th, was an offer to “investigate and determine its position with respect to assumption” of the case if appellee would give appellant certain information; and that appellant’s letter which gave the information was an ac *369 ceptance of the offer; that if appellee “elected to assume there would be a contract between the parties and if it (appellee) elected not to assume there would be no contract between them;” that appellee’s letter of April 12th, in which it said “the Corporation has now definitely decided to waive the delay on the part of the insured in reporting the accident to us and to assume the case” completed the contract.

We disagree with said contentions. Appellee’s letter of February 4th, cannot be reasonably construed to be an “offer.” As was said in Cal Hirsch & Sons, etc., Co. v. Peru Steel, etc., Co. (1911), 50 Ind. App. 59, 68, 96 N. E. 807, “It is the duty of this court, as it was of the court below, to construe the letter. If it is clear and unambiguous in its meaning, it becomes the duty of the court to declare such meaning, and determine the question here involved accordingly. . . . If the words of a writing clearly express the intention of the writer such intention will prevail, and extraneous evidence cannot be admitted to show a contrary intention.” (Citing authorities.) Said letter merely says that since the case is one of “delayed notice” the local office is “investigating” it “preparatory to submitting the file to the chief office for definite instructions,” and it “suggests” that appellant “let” them have certain specified data. It further “thanks” appellee “in advance” for the “courtesy” of their “cooperation” in appellee’s

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Bluebook (online)
186 N.E. 912, 97 Ind. App. 365, 1933 Ind. App. LEXIS 77, Counsel Stack Legal Research, https://law.counselstack.com/opinion/travelers-insurance-v-employers-liability-assurance-corp-ltd-of-london-indctapp-1933.