Woelfle v. Connecticut Mutual Life Insurance

112 S.W.2d 865, 234 Mo. App. 135, 1938 Mo. App. LEXIS 61
CourtMissouri Court of Appeals
DecidedFebruary 1, 1938
StatusPublished
Cited by38 cases

This text of 112 S.W.2d 865 (Woelfle v. Connecticut Mutual Life Insurance) is published on Counsel Stack Legal Research, covering Missouri Court of Appeals primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Woelfle v. Connecticut Mutual Life Insurance, 112 S.W.2d 865, 234 Mo. App. 135, 1938 Mo. App. LEXIS 61 (Mo. Ct. App. 1938).

Opinions

This is an action by plaintiff, the beneficiary, to recover the accidental death benefit of $2000 alleged to be due under a policy of insurance which was issued by defendant. The Connecticut Mutual Life Insurance Company of Hartford, Connecticut, upon the life of her husband, Dr. James E. Woelfle, of Cairo, Illinois, who died on September 9, 1932.

Tried to a jury, a verdict was returned in favor of plaintiff, and against defendant, for the aggregate amount of $2,253.87, which included the principal sum sued for, with interest. Judgment was rendered accordingly; and following an unavailing motion for a new trial, defendant's appeal to this court has been perfected in the usual course.

By the terms of its policy defendant agreed to pay the accidental death benefit provided for therein upon the receipt of due proof, among other things, that the death of the insured had "resulted, directly and independently of all other causes, from bodily injury effected solely through external, violent, and accidental means, of which (except in case of drowning or of internal injuries revealed by an autopsy) there shall be evidence by a visible contusion or wound on the exterior of the body." *Page 140

Issue was of course joined between the parties upon the question of whether the death of the insured had occurred under such circumstances as to have made defendant liable for the payment of the accidental death benefit.

Incidentally, it is of interest to note that the insured, at the time of his death, not only had the policy in suit, but also had two policies issued by the London Guarantee Accident Company of London, England, which, as in the case of the policy now under consideration, insured against death resulting from bodily injuries effected through accidental means, directly and independently of all other causes. An action upon those policies was brought by plaintiff in the District Court of the United States for the Eastern District of Missouri, resulting in the return of a verdict in plaintiff's favor. That case of course involved substantially the same facts as are present in the case at bar, the chief difference consising, so counsel seem to agree, in the extent to which plaintiff's medical witnesses were cross-examined. Following the verdict in plaintiff's favor, an appeal was taken by the insurance company to the Circuit Court of Appeals for the Eighth Circuit, where it was held that a case had been made for the jury, though the judgment was reversed and the cause remanded on account of what the court conceived to have been improper argument on the part of plaintiff's counsel to the jury. The Court's opinion in that case is of obvious interest in the decision of the case at bar, and is to be found reported as London Guarantee Accident Company v. Woelfle (C.C.A.),83 F.2d 325.

At the outset of this case there is a question presented of whether the Court below acquired jurisdiction over defendant's person by virtue of the service of summons upon the superintendent of the insurance department as defendant's statutory agent.

The applicable statute is Section 5894, Revised Statutes of Missouri, 1929 (Mo. Stat. Ann., sec. 5894, p. 4495), which provides, in substance, that any insurance company not incorporated by or organized under the laws of this State, desiring to transact any business by any agent or agents in this State, shall constitute the superintendent of the insurance department its statutory agent upon whom process may be served in all proceedings instituted against such company in any court of this State or in any court of the United States in this State, and that service of process had upon the superintendent of the insurance department shall be valid and binding, and shall be deemed personal service upon such company, "so long as it shall have any policies or liabilities outstanding in this State."

In this case defendant is a Connecticut Corporation but licensed to do business in this State; and, in compliance with statutory requirements, it has heretofore appointed the superintendent of the insurance department its agent for the acceptance of service of process on its behalf. The policy in suit was applied for by the insured and was *Page 141 delivered to him in Illinois; he died in Illinois; and his beneficiary, the plaintiff herein, was a resident of Illinois at the time her cause of action on the policy accrued. However she thereafter removed to and established a residence in St. Louis, Missouri, and was a resident of Missouri at the time her suit was instituted and service of summons was had upon the superintendent of the insurance department.

Upon this admitted state of facts defendant has consistently taken the position that plaintiff was not entitled to the benefit of Section 5894, not having been a resident of Missouri either at the time of the issuance of the policy or at the time of the death of the insured; and that the circumstance that she had meanwhile established a residence in Missouri prior to the institution of her action on the policy did not in anywise alter the situation or serve to bring her within the statute, which was of course enacted for the benefit of citizens or residents of Missouri, but only (so defendant says) with respect to transactions had or contracts made by citizens or residents of Missouri with a foreign insurance company, regardless of whether such transactions were had or such contracts were made within or without the State.

Following the sheriff's return of service defendant moved to quash the same, and when its motion to quash was overruled it joined a plea to the jurisdiction with its answer to the merits. Thereafter, on plaintiff's motion, the plea to the jurisdiction was stricken from the answer, and the action of the court in that regard is made the first point for our consideration on this appeal.

We think that the ruling of the court was undoubtedly correct. The test of the plaintiff's right in any case to have service upon the superintendent of the insurance department is whether the policy or liability sued on is "outstanding in this State." [State ex rel. v. Landwehr, 318 Mo. 181, 191 300 S.W. 294, 298; State ex rel. v. Muller, 230 Mo. App. 962, 969, 90 S.W.2d 171, 174.] But to be "outstanding in this State" for the purpose of service of summons in an action brought upon it, a policy need not have been written in Missouri, nor is it in all events essential that the plaintiff should have been a resident of Missouri at the time of the death of the insured. Policies or liabilities "outstanding in this State" within the meaning of the statute necessarily include, not only policies written in Missouri, but also policies written or liabilities assumed outside of this State, but which are owned and held by residents of this State during the period of the agency of the superintendent of the insurance department and at the time suit is brought thereon. In this instance, as we have already pointed out, plaintiff was a resident of Missouri at the time her action was instituted, and the superintendent of the insurance department was the statutory agent of defendant at the time service of process was had upon him. The service was therefore valid and binding, and the very facts upon which defendant based *Page 142 its plea to the jurisdiction served of themselves to show the want of any proper basis for such contention.

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Bluebook (online)
112 S.W.2d 865, 234 Mo. App. 135, 1938 Mo. App. LEXIS 61, Counsel Stack Legal Research, https://law.counselstack.com/opinion/woelfle-v-connecticut-mutual-life-insurance-moctapp-1938.