Gillespie v. Hester

Assumpsit. 1. Evidence; Parol to Contradict Writing; Pleading. — Where the action was on a note given for an insurance policy, a plea stating that the plaintiff, acting for an insurance company, in order to induce the defendant to sign a note, stated that after the policy was received, if defendant did not want to take it, plaintiff would take it back, and that the defendant would then owe nothing, and that when defendant received the policy, he decided not to take it and returned it to plaintiff within a reasonable time, is not subject to demurrer for failure to state facts showing fraud and as an attempt to contradict a written agreement by contemporaneous parol agreement. 2. Bills and Notes; Fraud in Procurement. — If a person is induced to execute a note by false representations that he was signing an application for an insurance policy, and upon which representations he relied, the fact that he could or could not read and write would not affect his right to rely upon the fraud as a defense. 3. Same; Burden of Proof.- — Where the execution of a written instrument sued on is denied by plea of non est factum, the burden is on the plaintiff to show the execution of the instrument. (Section 3957, Code 1907.) 4. Witnesses; Wilful Misstatement. — A charge asserting that if the defendant swore falsely as to the signing of a note, the jury could disregard all his testimony was properly refused since it was not predicated upon a wilful false statement as to a material fact. 5. Charge of Court; Invasive of Province of Jury■ — A charge asserting that under the evidence, defendant applied for and plaintiff delivered to him an insurance policy, and that the policy was responsive to the application, was properly refused as invasive of the province of the jury. 6. Same; Degree of Proof. — A charge asserting that the plaintiff must satisfy the jury from all the evidence that the defendant executed the note, required too high a degree of proof, the requirement being that the jury should be reasonably satisfied. 7. Appeal and Error; Kwrmless Error; Instruction. — It was harmless error to give or refuse charges merely abstract on the pleadings.

Appeal from Franklin Circuit Court. Heard before Hon. Joseph H. Nathan. Action by W. H. Gillespie against W. H. Hester From a judgment for defendant, plaintiff appeals. Tbe note was given for tbe first premium on an insurance policy of $5,000. Plea 1 is as follows: “That on or about the 30th day of June tbe plaintiff, who was acting and holding himself out as tbe agent of tbe New York Life Insurance Company, persuaded and induced defendant to execute the note to plaintiff sued on in this case, in consideration whereof tbe defendant was to receive a policy of insurance on bis life from said company for the sum of $5,000, and that be did receive tbe policy of insurance from said company after signing said note; that plaintiff, in order to induce him to sign said note, stated to him that after the policy of insurance was received by defendant,' if be did not want to take tbe policy, be (tbe plaintiff) would take it back and defendant would owe nothing; that defendant, when be received the policy, decided not to take it, and returned it within a reasonable time, wherefore be says be does not owe said note.” Tbe second plea was “non est factum.” Plea 4 was as follows: “Defendant says that at tbe time of execution of the note sued on plaintiff was a life insurance agent, and was engaged in writing policies of insurance, and defendant alleges that at said time, in order to induce defendant to take a policy of insurance and to execute the note sued on, plaintiff represented to the defendant that unless the policy for which he was applying' should be written by the company, it wouid guarantee by its terms, and on its face, the payment to defendant by the company at the end of 20 years, if defendant were living at that time, the sum of $5,961, and defendant alleges that said representation was false, and was-material, that he relied thereon and was induced thereby to take said policy, and defendant alleges that said policy by its terms does not guarantee the payment of the sum represented by plaintiff, but a greatly less sum, and a policy and a policy must be valuable the, the one for which it applies, and for the delivery of said policy he repudiated the contract for the said insurance policy, and returned the same to the company which issued it within a reasonable time.” Plea 6: “That at the time of the execution of the note sued on in this case plaintiff represented to defendant that he was signing an application for an insurance policy, which representation was false and fraudulent, and by means of said false representation the defendant was deceived and induced to execute the note.” The demurrers to plea 1 were, first, that it contained a blank; second, that it is indefinite and uncertain; third, that it is no defense to the action, because it does not allege a state of facts from which fraud could be presumed, and is an attempt to contradict a written agreement by contemporaneous and previous parol statement ; and other grounds not necessary to be set out. To plea 4, because it does not allege such a state of facts as authorized the defendant to rescind the contract; because it does not state facts that constitute such fraud and. misrepresentations as would authorize the defendant to avoid the payment, of the note sued on, and because it does not allege wherein or in what respect the policy was less valuable than it was represented. To plea 6, because it does not allege that defendant could not read and write, and that he did not have an opportunity to read the instrument, and did not ask that it be read to him. The following charges were refused to the plaintiff: 9 “I charge you, gentlemen, that if you find from all the evidence in this case that W. H. Hester swore that he did not sign the note, and you further find that he did sign the same, you are justified in disregarding and disbelieving every word he testified to.” (11) “I charge you, gentlemen, that W. H. Hester applied for and had delivered to him an ordinary life policy in the New York Life Insurance Company according to the evidence in this case, and that the policy is responsive to the application.” Other charges refused to the plaintiff placed the burden of proof upon the defendant to establish his-plea of non est factum upon the introduction by plaintiff of the note in evidence. The following charges were given at the request of the defendant: (15) “If you believe from the evidence that the defendant had a contract with Ezell & Gillespie by which he could refuse to take the policy if he wanted to, then Hester could refuse to take it, whether he read it or not.” (16) “I charge you, gentlemen of the jury, that if the plaintiff agreed with the defendant at the time he took the application that the defendant might take the policy when written by-the company if he wanted it, and might refuse to take it if he wanted to refuse to take it, then I charge you that the defendant had a right to refuse the policy when sent to him, provided he declined to take it within a reasonable time and returned the policy to the company. I charge you that the return of the policy by the defendant to Ezell, if it was so returned, was a return to the company.” (17) “Before you can find for the plaintiff, you must be satisfied from all the evidence that Hester executed the note knowing it to be a note.” Plea 1 was subject to the demurrer. It is not analogous to the plea discussed in Parker v. Bond, 121 Ala. 529. The court should have sustained demurrer to plea 4. 24 A. & E. Ency of Law, 645. The court should have sustained demurrer to plea 6. — Bank v. Webb, 108 Ala. 137; Pao. G. Go. v. Anglin, 82 Ala. 492; Burroughs v. Pao. G. Go., 81 Ala. 258. The plea of non est factum having been interposed the burden was on the plaintiff to show execution of the notes, and hence, charges 1 and 3 should have been given. — Sec. 3967, Code 1907. Charge 9 should have been given. — Jordan v. The State, 81 Ala. 31; McOlellan v. The State, 117 Ala. 144. Charge 16 given for defendant is error. — 19 Cyc. 603. Charge 17 exacts a too high degree of proof. —L. & N. v. Sullivan T. Go., 126 Ala. 95.