Giddings v. Phœnix Insurance

1. Contract of Insurance, Terms and Renewal of: liability of insurer. All negotiations as to the terms of a contract of insurance of property, and the renewal of the same, had or made before or at the time of the issuing of the policy, must be considered as merged in the written policy. And unless the insurer renews the policy at the time of its expiration, or within one year before it; or after its expiration and before the loss agreed with the insured to renew it, it is not liable for the loss, and the question, whether or not such agreement was made, is one for the jury. 2. Practice in Supreme Court: admission of improper evidence. Where it is not alleged in the motion' for new trial that the court admitted improper evidence, the objection will not be considered in the Supreme Court.

Error to Andrew Circuit Court. — Hon. H. S. Kelley, Judge. Defendant’s agent, Bryan, at the time he delivered, to plaintiff the policy of insurance, and at each subsequent payment of the premium by plaintiff, agreed byparol with plaintiff that his policy should not expire, but that said agent should keep the same renewed from year to year, which agreement was not within the statute of frauds, but binding on defendant, and should have been submitted for the decision of the jury. Barbie v. Ins. Co., 2 Dill. 156; Waller v. Ins. Co., 56 Me. 471; Trustees v. Ins. Co., 19 N. Y. [5 Smith] 308; Sanborn is. Ins. Co., 16 Gray [Mass.] 448; Fish r>. Cottenette, 5 Hand [Ohio] 538; Ins: Co. v. Ins. Co., 7 Bush [Ky] 81; Trustees v. Ins. Co., 18 Barb. 69 ; Angelí v. Ins. Co., 59 Barb. 171. The agreement for the renewal of the-policy, as in this case, after its delivery to the plaintiff, may be by parol, and waive payment of premiums-in cash, substituting a promise to pay on demand, or at a future day, or at convenience of the agent, or he may himself agree to be responsible for the money to the company for the premium. Bodine v. Ins. Co., 51N. Y. 117 ; Post v. Ins. Co., 43 Barb. 351; Franklin Ins. Co. v. Massey, 33 Pa. 221 ; Sheldon v. Ins. Qo., 25 Conn. 207 May on Insurance [2 Ed.] sec. 134, note 4 ; sec. 56, note 1. Payment of premium, or even tender, is not necessary, when the defendant has already declared the policy forfeited, or done any other act which is tantamount to a declaration on its part that it will not be received if tendered. Pilcher v. Ins. Co., La. 10; Haynor v. Ins.. Co., 69 N. Y. 435. The question of the agent’s renewal of the policy should have been submitted to the jury,, and if he induced plaintiff to believe he had renewed it, defendant is liable the same as if it had been renewed. Georgia Home Ins. Co. v. Kennier, 28 Gratt. [Ya.] .88 ; Fitus v. Glensfalls Ins. Co., 81 N. Y. 410; Penn. Fire Ins. Co. v. Kittle, 39 Mich. 51; Phoenix Ins. Co. v.. Stevenson [Ky.] 8 Ins. L. I. 922; Leslie v. Knickerbocker Ins. Co., T. & C. [N. Y.] 143; Bachelor v. People's Ins. Co., 40 Conn. 56; Pezellv. O'Dell, 8 Hill, 225; Gregg v. Wells, 10A&E. 90; Coles v. Bank of England, 10 A. & E. 437; Sandys v. Hodgson, 10 A. &E. 472 ; Welland Canal v. Hathoway, 8 Wend. [N. Y.] 480 ; Stevens v. Baird, 9 Cow. [N. Y.] 274 ; 2 Smith’s Lead. Cas. 458, 467. The defendant’s agent failing to issue-a renewal certificate, for the year ending February 8, 1882, cannot visit upon plaintiff the judicial results-arising solely out of his non-performance of agreement with plaintiff. Eureka Ins. Co. v. Robinson, 56 Pa. St. 256 ; 73 Mo. 385. A verbal contract to insure having 'been made, courts will enforce such preliminary contract •after a loss has occurred. 73 Mo. 384; May’s Ins. ’>[2 Ed.] sec. 565. Defendant cannot set up its own neglect to do that which it alone could do, and has no reasonable excuse for not doing, as a defence, against liability. Farmers’ Ins. Co. v. Wenger [Pa.] 8 Ins. L. I. 712. It makes no difference in the operation of this rule whether the thing stated was true or not, it being the part that the thing stated was acted upon to the prejudice of the party; that makes it conclusive. May’s Ins. [2 Ed. [sec. 502. Courts of law have introduced the doctrine of estoppels in pais. The principle Is, that when one party has, by his misrepresentation or his conduct, induced the other party to a transaction- to ■give him an advantage which would be against equity and conscience for him to assert, courts of justice will not permit him to avail himself of that advantage which, If allowed, would defeat the ends of justice, to establish a dishonest defence or claim. Pickard v. Sears, 6 A. & E. 469 ; Plumb v. Callaraugas Ins. Co., 18 N. Y. 392 ; Rowley v. Empire Ins. Co., 36 N. Y. 550; Woodbury Savings Bank v. Charter Oak Ins. Co., 31 Conn. 526 ; North Am. Fire Ins. Co. v. Throop, 22 Mich. 146; Michigan St. Ins. Co. v. Lewis, 30 Mich. 40 ; AEtna Live Stock and Towanda Ins. Co. v. Olmstead, 21 Mich. 246 ; Miller v. Mut. Ben. Life Ins. Co., 31 Iowa, 216 ; McBride v. Republic Fire Ins. Co., 30 Wis. 62. The rule seems less strict in cases of other contracts. Corn foot v. Fawke, 18 L. I. N. Y. [Exch.] 297. Estoppel takes place as well upon the acts and omissions of agents, as upon those of the principal. Defendant is liable for the negligence. Watken v. Farmers’ Ins. Co., 51 Iowa, 679; Natl. Life Ins. Co. v. Minch, 53 N. Y. 144; Christie v. North British Ass’n Co., 3 Ct. of Sess. Cir.; Scotch, 360. The evidence admitted by the court, on the part of defendant, objected to by plaintiff, was erroneously admitted and prejudiced the jury; also. permitid by the court, the defendant’s attorneys to ■comment upon said evidence before the jury Dayton Ins. Co. v. Kelley, 24 Ohio St. 345; May’s Ins. [2 Ed.‘] note 2, sec. 15 ; Walker v. Mut. Ins. Co., 56 Me. 371; Kelley n. Conn. Ins. Co., '10 Bosw. [N. Y. Supreme Court] 82; Kllis v. Albany City Fire Ins. Do., 4 Laws [N. Y.] 433. Plaintiff argues that the agent’s agreement to keep the property insured is not within the statute of frauds, and is no part of the contract of insurance, and is, therefore, not merged in the written policy. These two propositions are inconsistent and contradictory to •each other, as the agreement to renew the policy of insurance, standing by itself, and not a part of the contract of insurance, is plainly within the statute of frauds, but if we can imagine both propositions correct, it would •still be of no avail to plaintiff, and no cause for reversal •of the judgment in this cause, because plaintiff could not be injured thereby (Filley v. McHenry, 84 Mo. '277; Nance v. Metcalf, 19 Mo. App. 183 ; 72 Mo. 583 ; Noble v. Blount, 77 Mo. 235), because no view of this ■agreement, if it were ever made, can make it the basis'of •a cause of action against defendant. First, because it was abandoned by the parties in the first year, and the policy was not renewed at the end of the year, nor at •any time thereafter, only by request of the plaintiff. Second, if it was not a part of the contract of insurance entered into by the defendant company, it was not the •contract of the company, but George T. Bryan was acting as agent of the plaintiff, as he might, in different stages of the negotiation (May on Ins. [2 Ed.] sec. 500 ; Mut. Ins. Co. v. Wilkerson, 13 Wall. [U. S.] 222; Tasker o. Kenton Ins. Co., 58 N. H. 459; Sargent v. Natl. Fire Ins. Co., New York Court of Appeals [10.' Ins. -Law Journal] 852; Hartford Fire Ins. * Go. v. Reynolds, 7 Ins. Law Journal 214), and plaintiff’s evidence- is conclusive that in the matter of this alleged agreement Bryan was acting for him, and that it was a mere personal matter between plaintiff and the agent, and does not in any respect bind the company. Third, because there never was a completed contract between plaintiff and defendant’s agent. A contract of insurance, in order to be binding upon the parties, must be completed in all essential particulars, and must be in praesenti. There is no analogy between this case and the case of Baile v. St. Joseph Fire and Marine Ins. Go., 73 Mo. 373, relied on by plaintiff. In that case there was a verbal contract in praesenti between plaintiff and defendant’s agent, complete in all essential particulars. Taylor r>. Ins. Go., Supreme Court of Wisconsin, 1871.