160 Iowa 602 | Iowa | 1913
Prior to the trial and on August 21, 1911, there was filed in the clerk’s office of Jones county the deposition of one C. W. Hawes, the head clerk of the defendant, taken upon commission in the state of Illinois, for and on behalf of the defendant; and on August 29th of the same year plaintiff filed a motion to suppress this deposition, because the exhibits were not properly returned or identified, and for the further reason that the witness had contemptuously refused to answer the cross-interrogatories propounded to him, and had refused to produce certain papers, files, and documents in his possession, which were called for by the cross-interrogatories. Thereafter, and before the motion was heard, the commissioner taking the deposition filed an amendment to cure the alleged want of identification of exhibits, etc. Plaintiff then filed an amendment to his motion to suppress, and the whole matter was submitted to the court, resulting in an order sustaining the motion to suppress and striking the deposition from the files. Defendant then gave notice of suing out another commission, and plaintiff filed his cross-interrogatories; but, on direction of defendant’s counsel, the commission was not sent to Illinois, and the second deposition was not taken.
*605 Q. If, in answer to direct interrogatory 9 on behalf of the defendant, you produce and identify what purports to be the alleged by-laws of the Modern Woodmen of America, state which of said alleged by-laws, if any, were not in force at the time of the issuing of the certificate or policy of insurance by the defendant to William G-. Wales, to wit, No. 37,061, dated the 13th day of March, 1894, for the sum of $3,000, being the certificate or policy of insurance involved in this action. A. The by-laws in force in 1894 have been revised and amended from time to time, and while the substance of the by-laws 'of 1894 are, for the most part, incorporated into the by-laws which I have marked ‘Exhibit 1,’ to be attached to this my deposition, the language has been changed in many respects, and some new provisions have been added.
Q. If, in answer to the last cross-interrogatory, you say that the alleged by-laws contain by-laws which you claim have been adopted since that date, then specify particularly the said by-laws, identifying them clearly, so that the court may know exactly what ones you claim have been adopted since the date of said policy, and give the date of the alleged adoption of each of said alleged by-laws. A. As above stated, the by-laws of Modem Woodmen of America have been changed from time to time in phraseology, and adopted as changed, although the substance of said by-laws has not been' materially changed.
Q. Identify all of the alleged by-laws which you claim were in force at the time of the issuance of the certificate or policy of insurance to said William G. Wales hereinbefore mentioned. A. Practically all of these by-laws were in force at the time of the issuance of the certificate of insurance to William G. Wales.
Q. Is it not a fact that proofs of death of said William G. Wales were received by you from Herrick, Cash & Rhine-hart, attorneys for plaintiff, by mail, on or about August 10,' 1910, or what purported to be proof of loss in said matter? A. No; I never received.any proofs of death of William G. Wales. I did receive from Herrick, Cash & Rhinehart some blanks, which at first I thought might be proofs of death, but upon examination, I found they were not.
*606 Q. As secretary of the defendant, do you acknowledge receipt of proofs of loss or proofs of death, where claims are made against the company on certificates or policies of life insurance? A. Yes. . . .
Q. Is it not a fact that on August 12, 1910, you mailed to Herrick, Cash & Rhinehart, addressed to Monticello, Iowa, notice of having received death proofs ‘in re claim'of death of William G. Wales,’ and is it not a fact that you mailed such notice at Rock Island, 111., on said 12th day of August, 1910 ? A. I presume it is a fact, although I do not recall now the specific date when. The postal card, meaning to acknowledge the receipt of the papers sent, is mailed before the papers .are examined. The papers, however, that were received concerning William G. Wales, of which you inquire, were not proofs of death of William G. Wales, but were statements of his disappearance.
Q. If in answer to cross-interrogatory 9 you say you did, on or about the 10th day of August, 1910, receive proof of death or loss in the matter of the claim of William G. Wales, state how the same was sent to you; that is to say, was it as ordinary mail matter, or was it by registered letter? Answer fully. A. I never received proofs of death of William G. Wales. The statements which I did receive concerned his disappearance, and it was by mail, I believe; but I cannot recall now whether it was by registered letter or not, for I do not keep any record of registered letters.
Q. If in answer to any of the foregoing cross-interrogatories you say you did receive proof of death or loss in re claim of William G. Wales, then produce the same, and identify the same, and have the notary taking your deposition attach it as a part of your deposition and your answer to this interrogatory. A. No proofs of death of William G. Wales were ever received by me.
Q. State whether or not, since receiving proof of loss or death in the matter of the claim of said William G. Wales, if you say you did receive such document, you have at any time called upon plaintiff or the claimants, to wit, the beneficiaries named in said policy, or any one representing them, for any additional or further proofs of death or loss, and, if so, whom? A. I do not believe I ever called upon any one for any proofs in this matter.
. . . I lived in Seattle, Wash., from August, 1897, until February, 1908. I first saw William G. Wales in the city of*609 Seattle in the autumn of 1898. He remained at or near there all the time until some time in 1904, when he went to Los Angeles, Cal., for his health, as he had contracted a very bad cold; he had an attack of pneumonia, and was afflicted with a very bad cough. I last saw William G. Wales early in the year 1904. His health, at the time of my last meeting with him, was very bad, so much so that I did not consider him in fit condition to be around at all, and I wished to take him to a hospital, as I felt confident he could survive but a day or two. I found, upon examination, that he had a very weak pulse; he seemed to be afflicted with quick consumption, which was apparently far advanced. I tried to give him some whisky to revive him, but he would not take it, but did take a dose of aromatic ammonia, and then rested upon a couch in my private office for a time. I gave him some letters from his family, and he was visibly affected, and fainted for a few minutes, he was so weak. He spoke of having good health in Washington up to the time of his taking cold. After taking the ammonia he felt some better, and said he would go to the drug store and get some medicine for which his doctor had given him a prescription. After the time spoken of, I never saw him again. I saw him often in Seattle, and one special visit he came to my home, and stayed for a day or two. This was less than a year before the sickness of which I spoke. He was feeling well at that time, and was well dressed. ... He was working not far away, at or near Geneva, in Skagit county. He talked with me about his family many times, and he seemed glad to have me read from my letters from my sister Mary of the progress of his children, who were in the school where she was teaching. These talks were frequent and never did he once' speak unkindly of any member of his family, but blamed all the trouble on his relative by marriage, Horace Downer. The last time I saw William G. Wales in Seattle his physical condition was very bad. . . . I spent much time, and was often at quite an expense to try to learn something more of him, but I never succeeded in the effort. I visited the police department, and the hospitals, and wrote many people who might have seen him, but I could not learn anything of him after I parted with him, as stated above.
Q. State what your opinion is as to whether William G. Wales is alive or dead, and state the reasons for your opinion, if you have any, concerning it. A. I believe he must*610 have died shortly after I last saw him. I have seen many people afflicted as he was, and never knew one afflicted as badly as he was to live long. There seemed to be a complete breaking down of the lung tissues, from what I could learn, and his condition was so low that he did not respond much to stimulants. He presented the aspect of one thoroughly broken down. William G. Wales’ relatives frequently sent me letters for delivery to him. This occurred very often for four or five years. I knew William G. Wales in Seattle, from 1898 until early in 1904. In Seattle I would see William G. Wales, sometimes every day for a week or more, and sometimes only for a few minutes. During that period of time, he would, at intervals, absent himself from the city and from me, and would be gone three or four months; but he left his address at Geneva, Wash., excepting when he went to California, and on that occasion he directed me to hold his mail until he returned. ... I was often requested by relatives, of William G. Wales, from the time I saw him early in 1904, to make search for him, and the request was by letters, but I didn’t keep them. I never saw the dead body of William G. Wales. I have never found any public record showing the death of William G. Wales, and no one ever told me of having seen William G. Wales’ dead body.
After Wales dropped out of sight, some of his relatives went to Seattle and other places and tried to locate him, and advertisements were inserted in the leading papers in the hope of discovering his whereabouts, all without avail. No one went to California, however, and there is some question upon the record as to whether Wales went to California after he was last seen alive by the witness from whose testimony we have quoted. There are many things to indicate that this witness was mistaken in the date given by him; that it was in 1903, instead of 1904, when he last saw him; but, however this may be, the testimony, as we think, shows that the insured made his California trip before he was last seen in Seattle, and that when last seen there he was not then contemplating a trip to California. The testimony is ample, we think, to show the death of Wales by presumption alone, arising from his absence for more than seven years,
V. The effect of a supposed by-law, providing in effect that the presumption of death should not arise until the insured had arrived at his full expectancy of age, need not be considered, because no proper proof of such a by-law is in the case. If it were, it is not shown when the same was adopted, and there is some doubt of the right of the company to change the rule as to presumption of death by a by-law enacted after the certificate is issued. Upon that proposition we express no opinion, and what we have said should not be considered as a holding either way upon that proposition. Aside from this the trial court might well have found from the testimony that the insured in fact died some time in the year 1903. It did find as a fact that the death occurred June 30, 1903. This finding has support, and disposes of most of the claims made for appellant.
Appellee has filed amendments to the abstract, consisting of thirty-eight pages. Everything material or important therein could have been presented in ten pages. Appellant asks us to tax the cost of the additional pages -to appellee, and we think the motion should be sustained. Appellee will pay the costs of printing twenty-eight pages of his amended abstract, but otherwise all the costs of this appeal will be taxed to appellant.
Finding no error, the decree must be, and it is, Affirmed.