121 So. 876 | La. | 1929
Plaintiff sues for the value (less salvage) of an automobile alleged to be stolen, and covered by a policy of insurance against theft taken out in defendant company.
The defense is: (1) That the automobile was sold and not stolen; and (2) that the plaintiff has breached certain warranty clauses in the policy of insurance.
The facts are that plaintiff simply applied orally to defendant's agent for $2,000 *309 insurance on the car which he had just bought, but gave no details as to price, he having bought same at less than the retailing price. He stated that the car was then in storage in Shreveport, but that he intended to remove it later and keep it in Haynesville. Whereupon defendant's agent said that would be all right, and thereupon issued a policy in which the cost was stated at $2,700 (which he found from a catalogue), and that the car was to be kept at Haynesville.
Plaintiff did not remove the car at once to Haynesville, nor for some four months thereafter.
We are of opinion that as to the matter of price there was clearly no misrepresentation, since plaintiff made no representation whatever, the defendant's agent having obtained his own information on the subject.
As to warranty that the car was usually kept at Haynesville, that was waived when defendant's agent issued the policy knowing as a fact that the car was then in storage at Shreveport. Gitz Sash Factory v. Union Ins. Soc.,