Just v. Herry

MOURSUND, J.

[1] Appellee sued appellant for $208.85, alleging: That said indebtedness accrued by reason of his having, as agent of the Amicable Life Insurance Company of Waco, procured the issuance of a policy upon the life of the defendant for $5,000, pursuant to written application by defendant, and delivered said policy, whereby defendant became bound to pay the premium, which amounted to $208.35; that á three-fourths interest in said premium belonged to plaintiff by virtue of bis agreement with the company, and that he became the owner of the other one-fourth by paying such amount to the company after defendant had signed a certain policy receipt, and had accepted the policy and agreed to sign and deliver to appellee his promissory note for the amount of the premium, provided Chas. E. Tips, of Seguin, would advise defendant that said company was a good company, or a solvent company in good standing; that said Tips did, by a letter duly received by defendant, advise him that the company was as “good a Texas company as can possibly be,” and that he had made no mistake in placing his insurance in that company.

Defendant Just filed a general demurrer, several special exceptions, and an answer to the merits, in which he denied that he executed to plaintiff or the company any note or other instrument whereby he obligated himself to pay any sum to plaintiff or said company, and alleged that the policy receipt was obtained from him by means of fraudulent representations. He alleged further that he was to have 41 days in which to have the policy examined and determine whether he would accept it, and that plaintiff refused to let him have the policy for such purpose, unless he signed a receipt for same, so that, as stated by plaintiff, if it was not satisfactory, the receipt would secure its return to plaintiff; that defendant is unable to read and write the English language, and the nature of the receipt'was misrepresented by plaintiff; that the policy was not in accordance with the promises and representations made by plaintiff. Defendant then took up each allegation of plaintiff’s petition, admitting those relating to plaintiff’s agency and authority, but putting in issue practically all of the material allegations.

Plaintiff by first supplemental petition al- i leged that lie paid the ¡jíftllO to the company at the instance and request of defendant. The trial resulted in a verdict and judgment in favor of plaintiff. i

The first assignment of error complains of the overruling of the general demurrer. Mo proposition is submitted under such assignment. We are of the opinion that plaintiff’s pleadings state a cause of action, and therefore overrule the assignment.

The second and third assignments are based upon the overruling of special exceptions. The pleading is sufficiently definite to apprise the defendant of the nature of the cause of action alleged. It is clear that the note was not sued upon, as it was expressly alleged that no note had ever been executed. Plaintiff alleged a completed contract of insurance which could be avoided only upon one condition, namely, that Tips should refuse to state that the company was solvent. He alleged that it was further agreed that, upon Tips declaring the company to be solvent, defendant was to give his note payable on August 1, 1913; that Tips did state to defendant that the company was solvent; and that thereupon defendant refused to give a note for the indebtedness. Plaintiff further alleged that he was the owner of the indebtedness sued for, and not the company, ana alleged the facts upon which he based such claim of ownership, which facts we consider sufficient to substantiate his claim. The assignments are overruled.

There is no fourth assignment of error.

[2, 3] The fifth complains of the giving of a special charge. Two objections were made to said charge; the first being that it makes the receipt for the policy conclusive. The charge provided that although defendant had 40 days within which to accept or reject the policy, if he accepted and receipted for the same before the expiration of the time and agreed to pay the premium on August 1,1913, then to find for plaintiff, unless the jury found that plaintiff fraudulently misrepresented the contents of the policy or “fraudulently secured the signing of said receipt and acceptance.” It is clear that this charge did not make the receipt for the policy conclusive, but required a finding that defendant accepted the policy, and also that he receipted for it. The second objection is, as stated by defendant:

“That the uncontradicted evidence shows that, at the time the policy receipt was executed by defendant, he had not accepted the policy, but something more was to be determined before defendant was satisfied to accept the policy, viz., the standing or solvency of said insurance company was to be determined.”

i Plaintiff alleged the acceptance of the policy at the time the receipt was signed, but with the condition that such acceptance would not be binding, unless Tips expressed a favorable opinion in regard to the solvency of the company. The evidence is undisputed i that Tips did express a favorable opinion, and no issue was made in the pleadings upon that point. The condition was one which, if not fulfilled, would defeat the acceptance; and, as no contention was made that it was not complied with, we do not think the court erred in omitting the mention thereof in his charge.

[4] But, if the charge was erroneous in the respect mentioned, such error is one which could not have affected the result, and would not justify the reversal of the judgment. The assignment is overruled.

[5] The sixth assignment questions the sufficiency of the evidence to sustain the judgment. Appellee’s testimony made out a case in accordance with his pleading. His pleading was to the effect that there was a delivery to appellant of the policy and an acceptance thereof, subject to Tips’ approval of the financial standing of the company, and that it was only delivered back to appellee to carry to Tips and leave it with him for his examination. Appellee testified that appellant kept the policy from February 10, 1913, the date when he signed the receipt, until the latter part of February, and then requested appellee to carry it to Tips. He further testified that on February 10th he informed defendant that he would advance the premium to the company, and that defendant should give him a note payable August 1, 1913, but that defendant did not 'have to take the policy, unless Tips said the company was a good or solvent company. Pie testified that he explained the policy receipt fully to defendant; that he read it over to him, and also translated it into German. The policy receipt signed by defendant was to the effect that he had received and examined the policy; that it was in accordance with his application; and that he accepted it. Defendant testified that the receipt was misrepresented to him, and that about February 27th or 28th he told plaintiff he did not want the policy because it was not as represented, and gave it back to plaintiff. Tips testified that plaintiff left the policy with his bank to be delivered to defendant upon his signing a note left there by plaintiff with the policy. This testimony of Tips does not accord with that of plaintiff, and tends to corroborate defendant in his contention that there was no such acceptance of the policy, as was testified to by plaintiff. But this issue was submitted in a charge prepared by defendant and given at his request, and the jury was also instructed at defendant’s request that if, before 40 days expired, defendant delivered the policy back to plaintiff, and plaintiff left it with Tips, with instructions to deliver it to defendant upon his signing a note for $208.35, and if they found that the note was never signed and the policy never delivered to defendant by Tips, then to return a verdict for defendant. The jury decided in favor of plaintiff, and we conclude that the judgment should be affirmed.

Judgment affirmed.

null.

<§=For other cases see same topic and KEY-NUMBER in all Key-Numbered Digests and Indexes