Worley v. International Travelers Assur. Co.

110 S.W.2d 1202, 1937 Tex. App. LEXIS 1329
CourtCourt of Appeals of Texas
DecidedNovember 12, 1937
DocketNo. 13622.
StatusPublished
Cited by17 cases

This text of 110 S.W.2d 1202 (Worley v. International Travelers Assur. Co.) is published on Counsel Stack Legal Research, covering Court of Appeals of Texas primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Worley v. International Travelers Assur. Co., 110 S.W.2d 1202, 1937 Tex. App. LEXIS 1329 (Tex. Ct. App. 1937).

Opinion

*1203 SPEER, Justice.

For the purpose of discussing this appeal it is sufficient to say that Geraldine Wor-ley and Valderia D. Pugsley, as the only children or descendants of Val Waggle, prosecuted this suit against the International Travelers Assurance Company for recovery on a policy of accident insurance carried by Val Waggle in his lifetime. Upon a jury trial the court instructed a verdict for the defendant and the plaintiffs have appealed to the Dallas Court of Civil Appeals, and by the Supreme Court the cause was transferred to this court for determination.

Appellants alleged the issuance by ap-pellee on November 2, 1921, of a policy of indemnity insurance to their father, against the loss of his life resulting from personal bodily injury, effected directly, independently, and exclusively of all other causes through accidental means; that while the policy was in force and effect Val Waggle did on the 14th day of June, 1931, and on September 1, 1931, receive bodily injuries, effected directly, independently, and exclusively of all other causes through accidental means, which resulted in his death within 90 days thereafter.

The two accidents from which it is claimed death resulted consisted of (1) falling down a flight of steps into a basement in the home of Mrs. L. L. Cook, in Battle Creek, Mich., on June 14, 1931, at which time he struck a concrete floor in said basement, with his head and other parts of his body, describing the nature of his wounds, and (2) that on September 1, 1931, while being treated in a hospital for the injuries received on June 14, 1931, the said Val Waggle was walking down a hallway in the hospital; that he was approached by two attendants of the institution who protested his leaving the hospital, and forcibly returned him to his room and bed; in doing so the attendants entered into a violent scuffle with Val Waggle in which his clothing was torn from his body and that as a result thereof he was bruised and lacerated about his head, body, and limbs; that the nerves and tissues of each of said members were injured, and that his whole physical sy'stem was thereby reduced to a weakened and exhausted condition; that as a direct and proximate result of said accidents and acts of physical violence the insured died on September 9, 1931.

Appellee defended under allegations of a general denial and special pleas of the conditions contained in the contract, claimed to exempt it from liability, one of which was alleged to be a provision in the policy which reads as follows: “International Travelers Association hereby insures Val Waggle * * * against loss resulting from bodily injuries, effected directly, independently and exclusively of all other causes through accidental means * * * subject to the terms, provisions and limitations in this policy.”

In this connection allegation was made specially denying that death ensued from injuries effected directly, independently, and exclusively of all other causes, through accidental means. But that for a long time prior to, and at the time of his death, Val Waggle was afflicted with atrophic cirrhosis of the liver, alcoholism, syphilis, and chronic mental disease; and that his death was contributed to and caused by each and all of said diseases.

The disposition of this appeal must be determined upon the question of whether or not the peremptory instruction given by the court was proper. Appellants have assigned it as error, and naturally appellee contends it was warranted, under the pleadings and testimony.

We do not believe there was any testimony of probative force offered by appellants ’which would have supported a judgment for appellants if the question had been submitted to the jury and a verdict had been returned by it favorable to them. Under such circumstances it was the duty of the trial court to give the peremptory instruction. It is not the prerogative of a trial court nor of this court to pass upon the weight of the testimony nor to determine if the preponderance is in favor of parties plaintiff; but the only question for the court’s determination is whether or not there is any testimony of probative effect to support an alleged cause of action or a defense.

The Supreme Court lays down the test by which we are to be guided in the case of Wininger v. Fort Worth & D. C. Ry. Co., 105 Tex. 56, 143 S.W. 1150, in this language: “If, discarding all adverse evidence, and giving credit to all evidence favorable to the plaintiff, and indulging every legitimate conclusion favorable to the plaintiff which might have been drawn from the facts proved, a jury might have found in favor of the plaintiff.”

In discussing the duty of the trial court to take the case from the jury by an *1204 instructed verdict, the court said in that case: “in other words, to authorize the court to take the case from the jury, the evidence must he of such a character that there is no room for ordinary minds to differ as to the conclusion to be drawn from it.” The principles above announced have uniformly been followed by our courts, and constitute the law governing such matters.

Appellants recognized, at the time of the institution of this suit, that to recover they must show that the insured met his death solely from bodily injuries, effected directly, independently, and exclusively of all other causes through accidental means. They alleged this as a basis for recovery. The contract of indemnity provided that appellee would pay the amount named if the insured met his death as a result of bodily injuries “effected directly, independently and exclusively of all other causes through accidental means.” Unless it can be said that Val Waggle’s death was the result of injuries sustained independently of any other contributing cause, the appellants could not recover. In other words, if his previous physical condition, brought on by disease from which he had suffered and which lasted up until the time of his death, contributed to his death, and but for which his death would not have resulted from the injuries, no liability was shown. The burden of proof was on the appellants to show their father died solely from the results of the injuries alleged, and this burden was not discharged by showing he received an injury and that he thereafter died within the period of time in which liability would attach.

In Maryland Casualty Co. v. Glass, 29 Tex.Civ.App. 159, 67 S.W. 1062, 1063, the court had under consideration the question here involved; there the policy provided the company would pay the amount contracted for if death resulted within 90 days from injuries sustained by accidental means “independent of all other causes.” The provisions of the policy included liability for death resulting from anaesthetics administered by a regular physician. The insured was stricken with appendicitis and an operation was necessary; the anaes-thetic was administered by a regular practicing physician and during the operation the insured died; the court said: “The burden of establishing the fact that the death of M. E. Glass resulted, independent of all other causes, from chloroform administered to him, is on the plaintiff. In other words, she must prove that the anaesthetic was proximately the sole cause of his death. If his death was caused by it alone, the appellant, by the policy, is liable to the appellee in the principal sum therein specified.

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Bluebook (online)
110 S.W.2d 1202, 1937 Tex. App. LEXIS 1329, Counsel Stack Legal Research, https://law.counselstack.com/opinion/worley-v-international-travelers-assur-co-texapp-1937.