56 Mo. App. 582 | Mo. Ct. App. | 1894
— On October 1, 1891, the defendant, through its agent, issued to Poole & Grulager a policy of fire insurance for. $1,500 covering their stock of goods and building at Adair in the Indian Territory. On July 31,1892, and during the apparent life of the policy, the building and goods were totally destroyed by fire. Plaintiffs became owners of the policy by assignment from Pool & Grulager; and after due notice and proofs of loss were made, this suit was brought.
The main defense is based on an alleged violation of the following condition of the policy: “This entire policy, unless otherwise provided by agreement indorsed hereon or added hereto, shall be void if the insured now has or shall hereafter make or procure any
It appears that subsequent to the issue of the defendant’s policy, Poole & Gulager secured further insurance in another company, but consent thereto was not indorsed on defendant’s.policy. But there was evidence tending to prove that shortly after said additional insurance was taken out, and before the fire occurred, Poole and Gulager informed defendant’s agent of such other insurance and that no objection was made thereto.
. At the close of plaintiff’s evidence the court sustained a demurrer; plaintiffs submitted to a nonsuit and brought the case here by appeal.
In considering the propriety of the circuit court’s action in sustaining a demurrer to plaintiff’s evidence, we must of course treat the case as conceding the existence of every fact which such evidence reasonably tended to prove; There was then a contract whereby the defendant company agreed, in consideration of the
. On this state of facts, following Cromwell v. Phenix Ins. Co. (47 Mo. App. 109) and authorities there cited, we must hold that the trial court erred in turning the plaintiffs out of court. After a full and careful consideration of the numerous authorities then and there cited and pressed in argument by able counsel (and which, too, were reconsidered on motion for rehearing) we held, that though an insurance policy stipulated that other insurance should avoid the policy, except on the written consent of the insurer indorsed thereon, and that waiver of such stipulation must be likewise in writing, etc., yet where such other insurance was taken without such written consent, but the assured gave notice of such additional insurance and the defendant
As well said in a late work: “Any forfeiture or any condition of the policy inserted for the benefit of the insurers, even those stipulations which provide that there shall be no waiver, or that no waiver shall be made except in a certain manner, as by writing, or that certain classes of persons shall be deemed to have no authority to waive — may be waived by the insurers through such representatives as in fact have the requisite authority. This is put upon the ground that parties having power to make a contract have power by mutual consent to abrogate or alter it to any extent at their pleasure unless restrained by statute.” Richard on Insurance, sec. 73.
And by another well-known author it is said: “An agent of an insurance company authorized to’1 make and revoke contracts for insurance, is the proper person to give consent to additional insurance, and notice to him is notice to the company, unless there is an express provision in the policy as to whom notice shall be given, and when notice is so given the company cannot, by neglecting to assent to, or dissent from such additional insurance, and thus putting the assured off his guard, subsequently set up such additional insurance as a breach of the conditions of the policy. They are treated as having assented thereto, and as having waived strict compliance with the conditions.” 2 Wood on Ins., sec. 382.
These agents of nonresident insurance companies will be deemed to have such general authority to receive and act upon notices of further insurance
Among the numerous authorities cited by council, we have been particularly impressed with the reasoning of the supreme court of Minnesota in treating a case similar to that at bar. The stipulation contained in the policy was substantially the same as here, to-wit: “No officer, agent or representative of this company shall be held to have waived any of the terms and conditions of this policy unless such waiver shall be indorsed in writing.” There the local agent had knowledge that the house was vacant, but there was no other notice to the company, nor was there any waiver indorsed on the policy as. required by the terms thereof. It was, too, contended there, as here, that the power of the agent- to bind his principal was so restricted by the foregoing provision that he could not bind the company by a waiver, except by writing indorsed on the policy. The court uses this language: “The restriction here is so broad that it applies alike to every ‘officer, agent or representative of this company, ’ and as a corporation can only act through such agencies, the substance of the provision under consideration is, that the company shall not be held to have waived any of the terms or conditions of the policy, unless its waiver be expressed by a written indorsement on the policy. That is to say, in other words, that one of the parties to a written contract, which is not required by law to be in writing, cannot, subsequent to the making of the contract, waive, by parol agreement, provisions which had been incorporated in the contract for his benefit. A contracting
But it serves no useful purpose to further discuss the numerous decisions which have been announced pro and con on the question here at issue. The authorities have been collated with much commendable industry and patience by counsel on both sides, and we content ourselves by a simple reference to these very able briefs. And notwithstanding there is serious conflict in the decided cases, a large perponderance of authority will be found in favor of the proposition, that even though the policy may require the assent to further insurance to be evidenced by writing, and though there shall be further provision that such a condition shall only be waived in writing, all indorsed on the policy, yet such conditions can be dispensed with by the company or its agents by oral consent as well as by such writing indorsed on the policy. And an examination of the late cases in Missouri will disclose that the appellate courts of this state have aligned themselves with the court’s holding this just and equitable doctrine.
Judgment reversed and cause remanded.