60 Pa. Super. 341 | Pa. Super. Ct. | 1915
Opinion by
The principal question of fact in this case was whether or not the policy of insurance under which the plaintiff seeks, to recover a loss by fire was cancelled. The agent’s version of the affair is that he was directed by the company to cancel ..the policy, ..that he went to the insured,, and without indicating for which company he was acting, told him that he had to reduce the line of insurance held by him and that the insured, the plaintiff, told him
There being a dispute as to what had occurred, the matter had to be settled by the jury, and the court in its charge presented.it fairly.
A contract for insurance providing for notice cannot be cancelled without it. Where a policy has been delivered by the insured to the local agent at his request and the condition as to this delivery is disputed as to whether it was so surrendered for cancellation or correction the treatment of the policy raises a disputed fact which is properly for the jury: Mauk v. Commercial Union Assurance Co., 7 Pa. Superior Ct. 633. This case cited is very similar to the one we are considering. In each case there was a dispute as to what the understanding was at the time the policy was returned to the agent and in each, the company cancelled the policy without giving notice. See Lancashire Insurance Co. v. Nill, 114 Pa. 248; Scott v. Sun Fire Office, 133 Pa. 322. In the case we are considering, the insured did not desire the cancellation. Taking the agent’s story, plaintiff’s direction to him was merely a permission to the agent to make his, the agent’s, selection of a policy for cancellation. It may be well argued, that the act of cancellation was the act of the company through its agent, that the indefinite permission given without relation to any particular policy constituted no waiver of the provision of the company, requiring notice of cancellation. As, how
There are several assignments of error as to the refusal of certain of the points submitted by the defendant.
The first six assignments all relate to the question of cancellation and are directed to the refusal of certain points submitted by the defendant.
We think that the rejection of the points did not constitute error. The points very largely are composed of repetitions of the same statement of facts couched in different words, but substantially conveying the same meaning. The court affirmed the seventh, eighth, ninth, tenth, and eleventh points. An examination of those points: shows that every material matter raised in the case by the defendant was covered by said points. All the defendants can ask is that the questions present in the case are properly presented to the jury. He. may not require the trial judge to use any particular form of words nor ask him to present the same thought garbed in the various forms of words which the learning of counsel may be able to construct. If the law applicable to his. case is plainly, fully and accurately stated, he has no cause of complaint: Com. v. McManus, 143 Pa. 64; Kroegher v. McConway, Etc., Co., 149 Pa. 444; Carey v. Buckley, 192 Pa. 276; Fleming v. Dixon, 194 Pa. 67; Creachen v. Bromley Bros. Carpet Co., 214 Pa. 15. If the instructions cover substantially everything that is asked for in the points which were refused, it is; not necessary for the trial judge to answer them in detail even though it be conceded that they were correct propositions of law and applicable to the facts in ,the case: Miller v. Smith Woolen Machinery Co., 220 Pa. 181.
The other assignments are to the refusal of the:. court to admit testimony as to the endorsements the. company made: on the policy after it had received it,.from its agent, and the action of the compány in ■ canceliing lfe
All the assignments are overruled. Judgment affirmed.