Vandenheuvel v. United Insurance

2 Cai. Cas. 217
CourtNew York Supreme Court
DecidedJuly 1, 1796
StatusPublished

This text of 2 Cai. Cas. 217 (Vandenheuvel v. United Insurance) is published on Counsel Stack Legal Research, covering New York Supreme Court primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Vandenheuvel v. United Insurance, 2 Cai. Cas. 217 (N.Y. Super. Ct. 1796).

Opinion

Benson, J.

The principal inquiry in these causes, is, respecting the effect of a foreign condemnation, the property in the goods condemned, being intended in the insurance of them as neutral; whether the condemnation is not conclusive against the assured ? This question has heretofore come before us, but until the arguments which have taken place in the present cause, it does not appear to me to have been so fully examined as the difficulty and importance of jt require*

A condemnation may be viewed, as consisting in its cause and in its principles, as to be discriminated from each other; and the principles may be divided into those which relate to the law, and those which relate to the fact, comprehending in the fact the proofs.

The distinction between the cause and the principles of a condemnation is exemplified in a case read on the argument from a late English reporter, 7 Term Rep. Geyer v. Aguilar, where one of the judges distinguishes between them as here intended; he expresses himself: " The ground on which the courts in France proceeded, was, that this was a capture of enemy’s property, and it certainly is not contrary to the law of nations, to condemn a ship on that ground. Whether or not those courts arriyed at that conclusion by proper means, I am not at liberty to inquire,” &c. which is equally as if he had said, the cause of the condemnation, as declared by the'courts in France, is, that the ship was enemy’s property j and which is a sufficient cause of condemnation by [221]*221the law of nations; but what were the principles of the condemnation, namely, what were the proofs, or what was the fact as found by those courts from the proofs, or what was the law as adjudged by them to .'trise from the fact, I am not at liberty to inquire, See.

Insurances may be divided into general and special. A general insurance, is where tire perils insured against, are such as the law would imply from the nature of the contract of a marine insurance considered in itself, and supposing none to be expressed in the policy. A special insurance is where, in addition to the implied perils, farther perils are expressed in the policy ; and they may either be specified, or the insurance may be against all perils.

We have had an instance of each kjmd of these special insurances; pf the latter, in the case of Goix v. Knox, “ where, besides the usual risks enümérated in printed policies, it was declared, by a clause in writing, that the assurance was to be against all risks.” And in the former, in the case of Gardiner & others v. Smith, “where the insurance was against the risks, among others, of contraband and illicit trade,” and the goods were seized at Jamaica, while landing, and condemned as contraband and illicit by the law of that place ; and cases may be supposed, where, although the property is insured as neutral, the insurer may, nevertheless, expressly take on himself the peril of condemnation, for breach of blockade, or for any other specified or enumerated cause ; and in every such pase, should there be a condemnation, the assured must be allowed to show, either by the condemnation itself, if it furnishes the requisite evidence, and, if not, then by such matter extraneous [222]*222of the case, may ALBANY. Vandenheuvel V. United Instil'. Company. e admissible in evidence, that the condemnation be admissible in evidence, that the condemnation sur. was for some one of the causes specified in the po-, Company. ¡jCy . ancj so fai} anc¡ to that intent, doubtless, the condemnation is examinable in

the suit, by the as- sured against the insurer. The cases at bar, are, as it respects the perils

of condemnation, cases of general insurance, as here explained. Where the property is insured as neutral, the law intends not only that the neutrality, as an ingredient or quality in the property or ownership of the goods then exists, but likewise that it shall be preserved during the continuance of the insurance, and conse- quently, that there shall not be any act or omission, either by the assured himself, or by others, whose acts or omissions may in that respect be deemed to affect him, to forfeit it; and the neutrality constitutes as it were, a title, the existence and preservation of which, either in himself, or in the other persons, if any, on whose account the insurance may be made, or for whose benefit it may, in consequence of a sub- sequent transfer of the goods, be to enure,' the as- surance is deemed to warrant; and this warranty, from the assured to the insurer, is a condition of the .insurance,

or the indemnity from the insurer to the assured. Every condemnation is either rightful ox wrongful —If the captured goods, being duly defended in the court of the captors, by alleging and proving the title of the assured as above defined, should, not- withstanding, be condemned, the condemnation will [223]*223as rightful, including a condemnation by default, no person appearing to defend the goods; and where the condemnation is wrongful, it must be attributed either to the error of th & judge, as it relates to the law, or as it relates to the fact as deduced from the proofs; or error in the witnesses, as it relates to the proofs, in testifying differently from the truth ; and whether the error, either of the judge or the witnesses be innocent or wilful, can never affect the question, whether the assured hath or hath not, a right to controvert the condemnation.

If the assured has any such right, he must have it either limitedly, to controvert the principles which relate to the law, and not those which relate to the fact; or those which relate to the fact, and not those which relate to the law ; and if to controvert those which relate to the fact, still he is to be confined to the proofs as they were before the judge, by whom the condemnation was pronounced ; or he must have the right unlimitedly, or, as it is expressed in the case of Hughes v. Cornelius, 2 Show. 232, to controvert the condemnation “ at large.

It will readily be perceived, that as the principal question, whether the assured is or is not to be concluded by the condemnation may be differently de • cided ; so will the situation of the insurer be varied from certainty of safety, to the mere expectation or possibility of it. If the condemnation is to be conclusive- against the assured, then, however, there may have happened a “ capture, a taking at seafi and so the case within the very terms of the policy j yet if, further, there lias been a condemnation of the goods, the insurer is safe in an absolute sense; but [224]*224jf assured may controvert the condemnation, thd safety of the insurer then becomes uncertain of course in like manner, though in less degree, may ^ sjj-uation of the insured be varied, as the several questions respecting the limitations of the right of the assured to controvert the condemnation, may also be differently decided.

In some cases it may be more favourable for the insurer, that the assured should controvert the law and not the fact. In others, again, that he should controvert the fact and not the law; and it must ever* be most favourable to the insurer, that the assured should be precluded from producing new proofs; and this difference of situation must be viewed as material, in the greater

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2 Cai. Cas. 217, Counsel Stack Legal Research, https://law.counselstack.com/opinion/vandenheuvel-v-united-insurance-nysupct-1796.