Turner v. American Motorists Ins. Co.

180 S.E. 55, 176 S.C. 260, 1934 S.C. LEXIS 219
CourtSupreme Court of South Carolina
DecidedMay 15, 1934
Docket14064
StatusPublished
Cited by39 cases

This text of 180 S.E. 55 (Turner v. American Motorists Ins. Co.) is published on Counsel Stack Legal Research, covering Supreme Court of South Carolina primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Turner v. American Motorists Ins. Co., 180 S.E. 55, 176 S.C. 260, 1934 S.C. LEXIS 219 (S.C. 1934).

Opinion

The opinion of the Court was delivered by

Mr. Justice Bonham.

The appellant corporation issues to its members accident insurance policies which provide for the payment of $1,-000.00 to the estate of the policyholder upon his death, if it result from external, violent, and accidental means, only if such injuries are sustained “while driving or riding in an automobile.” The complaint alleges that while T. M. Turner was riding in an automobile he met his death by accidental means by being thrown therefrom.

The answer denied this allegation of the complaint and alleged that the policy of insurance specifically provided that, “A. This policy shall not cover: (11) For any accident sustained while entering or leaving an automobile,” and that the injuries to decedent occurred while he was stepping from and leaving an automobile.

It is conceded in argument that the sole question to be decided is, in general terms: Did T. M. Turner suffer the injuries which caused his death while riding in an automobile, or when he stepped from it?

The case was tried by Judge Grimball and a jury at Greenville. At the conclusion of the taking of the testimony, the defendant moved that a verdict be directed in its favor on the ground that the only reasonable inference to be deduced from the evidence was that Turner was injured as he stepped from the automobile, which class of injury was directly excluded from the provisions of the policy.

*262 His Honor denied the motion (see pages 49 and 50 of the transcript), saying:

“The Court: The difficulty with this case is this, the two propositions, one is the fact that in our state we have what is called the scintilla rule, if there is a scintilla of evidence to go to the jury our Supreme Court is g'oing to say, as it has said in numbers of other cases, that the case ought to go to the jury; and I am inclined to think that in this case that, is just what there is, a scintilla; then the second difficulty in the case on this motion is the plain tendency of our Supreme Court in insurance cases to hold the insurance companies to liability. I have decided quite a few cases on these motions and I think almost invariably the Supreme Court has reversed the cases that I decided.
“I remember that I had one in Anderson where the policy of insurance provided for sick benefits in case of a disease necessarily confining one to his bed. The disease in question did not necessarily confine him to his bed. I granted the motion for directed verdict and the Supreme Court said that ‘necessarily confining to bed’ meant ‘substantially confining to bed,’ reversed the case and sent it back. Then I had another insurance case over there in Anderson, Fowler; I tried to follow the Supreme Court to the best of my knowledge and they reversed that. And one or two others. Now, I am trying to figure what the Supreme Court would do with this case; I am inclined to think that they would say that I ought to have left the case to the jury on this testimony, if there is a scintilla, and, therefore, I am going to refuse the motion and leave the case to the jury.”

The jury found for the plaintiff. This appeal followed.

The appellant labors under the erroneous idea that the Supreme Court has overruled the pronounced principle, to wit, if there is any relevant testimony, amounting to a scintilla, it must be left to the jury to determine its force and effect. The meaning of the rule is that there must be some evidence arising out of the testimony *263 which elucidates the issues of fact, and which enables the jury to form an intelligent conclusion. It does not authorize the admission of speculative, theoretical, and hypothetical views. It does not set aside the rule of force in this State relating to res ipsa loquitur, which doctrine does not prevail in this State.

In the case of Taylor v. Railway Co., 78 S. C., 552, 556, 59 S. E., 641, 643, this Court said: “A scintilla of evidence is any material evidence that, if true, would tend to establish the issue in the mind of a reasonable juror.” (Italics added.)

Whilst adhering to the scintilla rule, this Court has recognized a rule supplemental to the scintilla rule, which is thus propounded in the case of National Bank v. Thomas J. Barrett, Jr., & Co., 173 S. C., 1, 174 S. E., 581, 582: “If it be conceded that there may be deduced by a process of unusual finesse of reasoning that there is a scintilla of evidence * * * nevertheless there is another rule, more founded upon common sense and reason, to the effect that when only one reasonable inference, not just one inference, but one reasonable inference, can be deduced from the evidence, it becomes a question of law for the Court, and not a question of fact for the jury.”

In the case of City of Chester v. National Surety Co., 91 S. C., 17, 74 S. E., 37, 39, that sound jurist, Mr. Justice Hydrick, delivering the opinion of this Court, said: “There was no issue as to any matter of fact' — at least as to any fact about which more them one reasonable inference could be drawn. Therefore, the court properly directed the verdict.” (Italics added.)

In the case of Bushardt v. United Investment Co., 121 S. C., 324, 113 S. E., 637, 639, 35 A. L. R., 637, Mr. Justice Marion, likewise a sound and learned.jurist, said: “Under the well-settled rule if only one reasonable or legitimate inference can be drawn from, the evidence, the question is one of law for the court.” Citing Ford v. Kelsey, 4 Rich., 365.

*264 This declaration is but to say that the scintilla of evidence upon which a case should be sent to the jury must be real, material, and pertinent and relevant evidence, not speculative and theoretical deductions.

In order to determine the cardinal issue in this case, we must analyze the evidence contained in the record. To properly understand it, a brief history of the occurrence leading up to the tragic moment is necessary.

Medlin was driving a bus usually used for taking children to school. On the day in question, when he reached the house of the deceased, T. M. Turner, the only persons in the automobile were Mrs. Redding and her six-year-old son. Mr. Turner was standing beside the road, stopped the car, and asked who killed his dog, to which Medlin said the man in the car just ahead of him. Turner had a claw hammer in his hand; he asked Medlin to catch the fellow in the truck who had run over the dog, and boarded Medlin’s automobile. Medlin pursued the truck. Just as he passed it, Turner either fell from or stepped from the car and suffered the injuries from which he died.

For the plaintiff, Dr. Wilson described the wounds and injuries suffered by Turner; Homer Medlin, W. D. Fortner, and Byrd Hunt testified as to the condition of the car, the manner in which the door was opened. T. C. Turner testified to the fact of the appointment of himself and W. H. Turner as administrators in lieu of their mother. W. H. Turner testified in reply to and in contradiction of Mrs. Redding.

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Bluebook (online)
180 S.E. 55, 176 S.C. 260, 1934 S.C. LEXIS 219, Counsel Stack Legal Research, https://law.counselstack.com/opinion/turner-v-american-motorists-ins-co-sc-1934.