Warren v. Pilot Life Insurance

9 S.E.2d 479, 217 N.C. 705, 1940 N.C. LEXIS 334
CourtSupreme Court of North Carolina
DecidedJune 8, 1940
StatusPublished
Cited by14 cases

This text of 9 S.E.2d 479 (Warren v. Pilot Life Insurance) is published on Counsel Stack Legal Research, covering Supreme Court of North Carolina primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Warren v. Pilot Life Insurance, 9 S.E.2d 479, 217 N.C. 705, 1940 N.C. LEXIS 334 (N.C. 1940).

Opinions

DEVIN, J., dissenting.

CLARKSON, J., concurs in dissent. From judgment on verdict for plaintiff defendant appealed. This is the same case reported in 212 N.C. 354, 193 S.E. 293, and215 N.C. 402, 2 S.E.2d 17, where the material facts are set forth.

In actions such as this upon the provision of a policy of insurance against death by accident or accidental means, where unexplained death by violence is shown, nothing else appearing, without the existence of some presumption, the cause of death might be left in the field of speculation. Was the death caused by accidental means, or was it a case of suicide, or was it an intentional and unlawful killing? Under these circumstances the law presumes the lawful rather than the unlawful. Thus the rule arises that where an unexplained death by violence is shown, nothing else appearing, it is presumed that the death resulted from accidental means. When, however, there is evidence tending to explain the cause of death, it becomes a question of fact for the determination of the jury. On the issue thus raised, under the decisions of this Court on former appeals in this case, such decisions constitute the law of the case and we are bound thereby.

Even so, the question here presented is different from those discussed in the former opinions and the substance of the testimony of Miss *Page 707 Phelps is material. It is more in detail than on the former trial and throws an entirely different light upon the occurrence.

She testified, in part, as follows: "The door on the car opened from the rear to the front. It was opened, and a man reached in with his left arm, placed it around my shoulders. I put this hand up and he grabbed it with his left hand; I put this hand up in front of me and he had a pistol in his hand, and when I put my hand up, as best as I remember, the gun went off. Alexander was bent over playing the radio this way (witness leaning), and as the door opened he shot . . . . I saw the pistol and knocked it up and at that instant the gun fired . . . the gun was in front of my face. I saw it and then my right hand went up. I don't remember whether that was done to protect myself."

In response to a question as to how the pistol was pointed the witness illustrated by the use of a pencil which was held diagonally in front of her face and pointed downwardly to her left. That was toward the deceased.

Conceding that when death by violence is shown, nothing else appearing, a defendant, who seeks to avoid liability on the grounds that the death resulted from bodily injuries inflicted intentionally by another, has the burden of going forward with evidence — that is, that evidence of death by external violence is sufficient to take the case to the jury,Warren v. Ins. Co., 215 N.C. 402, 2 S.E.2d 17, something more than unexplained death by violence here appears.

There is no unqualified admission in the answer. Thus in the absence of evidence from the defendant, the plaintiff, without introduction of evidence, would not be entitled to judgment on the pleadings or to a directed, verdict. And yet the judge held that the burden of going forward with the evidence rested upon the defendant without any evidence whatsoever from the plaintiff. She was not even required to offer so much of the admission in the answer as tended to show death by external violence. The defendant was thereby deprived of the right, at least, to cross-examine the principal witness heretofore relied upon by the plaintiff. Whether this constituted error we need not now decide, for the defendant elected to offer its evidence from which it appears that the death of the deceased was proximately caused by external violence.

The defendant, having proceeded with its proof as required by the court, then tendered its prayer for instructions. If all of the evidence offered by the defendant — the plaintiff having offered none — tends to explain the death by violence and to show that the death resulted from a wound intentionally inflicted by another, then as a matter of law, the defendant was entitled to have the court instruct the jury in accord with its prayer. Even though the evidence was such as to require the submission of an issue, whether the testimony offered, if believed and *Page 708 accepted, is sufficient to prove a contested fact presents a question of law. Spruill v. Ins. Co., 120 N.C. 141 — in which there was a directed verdict as to suicide under a similar provision — S. v.Prince, 182 N.C. 788, 108 S.E. 330; Reinhardt v. Ins. Co., 201 N.C. 785,161 S.E. 528; McIntosh's P. P., 632; Peterson v. Sucro,101 F.2d 282, and cases there cited. The rule as approved by the cited and many other decisions is simply stated in McIntosh's P. P., supra, as follows: "If the facts are admitted or established and only one inference can be drawn from them, the judge may draw the inference and so direct the jury."

Thus on this appeal we have presented the one question: Does the evidence offered by the defendant, if believed, establish an intentional killing?

The occurrences related by Miss Phelps were instantaneously contemporaneous. The door opened and a man caught her around her shoulders. She put her hand up and the pistol fired. As the door opened he shot. She knocked the pistol up and at that instant the gun fired. Thus, it appears that the door was opened, she was grabbed and the pistol fired at the same instant. When the pistol fired it was pointed diagonally in front and across her body, downward to the left where the deceased was sitting leaning over adjusting his radio. After inflicting a fatal wound upon the deceased and after dragging Miss Phelps from the car Tate then went back to the automobile and looked in, apparently for the sole purpose of discovering whether he had effectively eliminated resistance from that source. Having satisfied himself in that respect he proceeded in his efforts to ravish her.

There is only one reasonable inference to be drawn from this evidence. Tate, a man of diabolical heart, bent on mischief, for the purpose of criminally assaulting the woman and with the intent to remove any possible interference, deliberately incapacitated the man so that he might not come to her aid. As stated by Devin, J., in Warren v. Ins. Co., supra, "Indeed all the evidence tends to show that his (Tate's) purpose with respect to her (Miss Phelps) was to assault her." That purpose Tate could not hope to accomplish without disabling, by violence, the deceased who was her companion and fiance. That this was his object is plainly demonstrated by the manner in which he threw open the automobile door, aimed his pistol at Miss Phelps' escort and threw his other arm around Miss Phelps. He wanted her alive and not dead. He wanted the man either dead or so incapacitated that he could not render her aid and assistance. He acted accordingly by deliberately shooting the man and then assaulting the woman.

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Bluebook (online)
9 S.E.2d 479, 217 N.C. 705, 1940 N.C. LEXIS 334, Counsel Stack Legal Research, https://law.counselstack.com/opinion/warren-v-pilot-life-insurance-nc-1940.