Vandette v. Metropolitan Life Ins.

78 Pa. D. & C. 193, 1951 Pa. Dist. & Cnty. Dec. LEXIS 182
CourtPennsylvania Court of Common Pleas, Lebanon County
DecidedApril 25, 1951
Docketno. 142
StatusPublished

This text of 78 Pa. D. & C. 193 (Vandette v. Metropolitan Life Ins.) is published on Counsel Stack Legal Research, covering Pennsylvania Court of Common Pleas, Lebanon County primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Vandette v. Metropolitan Life Ins., 78 Pa. D. & C. 193, 1951 Pa. Dist. & Cnty. Dec. LEXIS 182 (Pa. Super. Ct. 1951).

Opinion

Ehrgood, P. J.,

— This matter is . before the court on a motion for a new trial.

Plaintiff instituted an action in assumpsit to recover the sum of $330 with interest on a life insurance policy issued by defendant on the life of Henry A. Yordy. The jury returned a verdict in favor of plaintiff in the sum of $330, with interest from November 10, JL941.

The motion for a new trial was made for the following reasons:

1. The verdict was against the evidence.

2. The verdict was against the weight of the evidence.

3. The verdict was against the law.

4. The verdict was against the charge of the court.

5. The court erred in refusing defendant’s motion for a compulsory nonsuit or a directed verdict at the close of'plaintiff’s case.

[194]*1946. The verdict, which includes interest from November 10, 1941, is contrary to law in the absence of testimony that Henry A. Yordy encountered some specific peril or came within the range of some impending or imminent danger which might reasonably be expected to destroy life, because the- presumption of death arising from his unexplained absence for seven years is a presumption of death at the end of that period and not before.

At the time of argument and in defendant’s brief the fourth and fifth reasons assigned for a new trial were abandoned. Wherefore, reasons 1, 2, 3 and 6 will be considered by this court.

The pertinent testimony produced at the trial of the case before Robert R. Lewis, president judge of Potter County, specially presiding, was as follows:

Plaintiff offered in evidence the decree of the Orphans’ Court of Lebanon County, Pa., dated August 12, 1949, establishing the legal presumption of death of Henry A. Yordy. Also, paragraphs 1, 2, 3, 4, 5, 6, 7, 8 and 9 of plaintiff’s bill of complaint which were not denied in defendant’s answer. Briefly, these paragraphs in the bill of complaint are as follows:

1. Plaintiff was appointed administratrix of decedent by the Register of Wills of Lebanon County on August 17,1949.

2. Defendant is a corporation organized and existing under the laws of the State of New York and duly registered to do business in the Commonwealth of Pennsylvania.

3. On April 9, 1934, defendant executed and delivered to decedent a policy of insurance dated the day and year aforesaid.

4. The face value of the policy to be paid to the executor or administrator of decedent, upon receipt of due proof of the death of decedent, was the sum of $330.

[195]*1955. That decedent, in his lifetime, paid the stipulated premiums upon the policy and performed all things on his part to be fulfilled according to the terms of the policy.

6. The Orphans’ Court of Lebanon County, Pa., in a final decree dated August 12, 1949, established the legal presumption of the death of Henry A. Yordy as of October 10, 1941.

7. On September 19, 1949, plaintiff furnished to defendant a certified copy of the decree of the Orphans’ Court of Lebanon County.

8. On October 14, 1949, plaintiff served notice on defendant of the claim of plaintiff, and of the liability of defendant to plaintiff.

9. On October 21, 1949, defendant refused to pay the sum due plaintiff under the policy, and has ever since refused to pay the same.

The answer of defendant under new matter is as follows:

10. “Defendant avers that when the said Henry A. Yordy disappeared on, to-wit, October 10, 1941, he, a married man, and the husband of one Helen Yordy, left with one Anna J. Smith, and his disappearance is, therefore, not an unexplained absence.”
11. “The Defendant avers that the said Henry A. Yordy, in a certain case entitled United States vs. Henry Abner Yordy, No. 10693, October Term, 1942, in the District Court of the United States for the Middle District of Pennsylvania, was indicted on, to-wit, October 22, 1942, for a violation of the Selective Training and Service Act of 1940, as amended, on two counts on which the grand jury returned a True Bill, and that on October 30, 1942, the Court signed an Order for a bench warrant authorizing a United States Marshall to accept bail in the sum of one thousand dollars, which bench warrant was duly executed and handed to the United States Marshall, and by him, on [196]*196April 29, 1943, returned N.E.I. A certified copy of said bench warrant on, to-wit, April 29, 1943, was likewise handed to the United States Attorney, as by reference being thereunto had will more fully and at large appear. The said Henry A. Yordy is now a fugitive from justice and his continued absence is, therefore, not unexplained.”
12. “The Defendant avers that the said policy of insurance provides, inter alia, that the said Metropolitan Life Insurance Company agrees to pay the amount stipulated in the schedule attached to said policy to the executor or administrator of assured ‘upon receipt of due proof of death of the insured and upon surrender of this policy and evidence of premium payment hereunder’ and that the plaintiff has failed to furnish Defendant with proper proof of such death. . . .”

13. That defendant avers that on October 10, 1941, and prior and subsequent thereto, and when Henry A. Yordy was last seen and heard from, he was not going to or in a place of peril; and further, alleges that Henry A. Yordy neither on October 10, 1941, nor subsequent thereto, was in contact with a specific peril.

The pertinent testimony produced by defendant was as follows:

Henry A. Yordy deserted his wife on October 20, 1941, at about 8 p.m.; on an evening in October 1941 a neighbor, who lived next door to Yordy, in a double house, heard Yordy say to his wife that he had finally found the woman he loved. This witness who had been a neighbor of Yordy’s for seven years, and also worked with him, never saw Yordy after that night.

Joyce Mason, the daughter of a woman by the name of Anna Smith, testified that she last saw her mother the latter part of October 1941 and that Yordy was at her house with her mother.

Ruth Vanada, another neighbor of Anna Smith’s, testified that Anna Smith had introduced her to Yordy [197]*197and that she did not see Anna Smith after October 1941.

Carrie Lux, another neighbor of Anna Smith, testified that she received letters and a telephone call from Anna Smith after she left, from Ohio and New Mexico. The time of the receipt of the letters does not appear in the testimony, and the telephone call was received in the latter part of December 1941.

Mrs. Abner Yordy has since remarried, being Helen M. Vandette; plaintiff, being called by defendant for cross-examination, admitted she heard her husband, Yordy, was running around with an Edna Smith. Mrs. Abner Yordy instituted divorce proceedings against Abner Yordy and a portion of her testimony in this divorce proceeding taken at the hearing on her divorce action was as follows:

“My husband and I got along fairly well together. I can give no reason for his having deserted me except that he was running around with another woman, an Edna Smith, and she went away at the same time my husband did.

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Cite This Page — Counsel Stack

Bluebook (online)
78 Pa. D. & C. 193, 1951 Pa. Dist. & Cnty. Dec. LEXIS 182, Counsel Stack Legal Research, https://law.counselstack.com/opinion/vandette-v-metropolitan-life-ins-pactcompllebano-1951.