This was an action to recover upon a policy of insurance against death by accident. The plaintiff claimed that the death resulted from the injuries of a mule-kick and a fall from a buggy. The defendant claimed that it resulted from causes not covered by the policy, and particularly from the inhalation of illuminating gas, and from an injury received in a railroad accident previous to the execution of the policy. The verdict and the judgment were for the defendant. The plaintiff comes to this court on claims of error occurring at the trial.
The facts as to the several injuries received by the deceased, including the inhalation of the gas, were not seriously in dispute, the medical conclusions to be drawn from the occurrence of such injuries being the matters most strenuously controverted. A very lengthy hypothetical case was stated to the principal expert witness for the defendant. Its quotation in print would cover nearly four pages such as these upon which this decision is reported. It detailed, from the defendant’s standpoint, and with great minuteness, the several injuries of the deceased, his personal and business habits, his apparent state of health, and the incidents of his comings and goings from the time of his first accident to his death, and closed with the interrogatory: “Can you tell what was the cause of his death from that history? ” Objection was made to this question, “ for the reason that the hypothetical case is not based upon the evidence.” This was overruled.
In addition to the specific objection thus made in
" When I spoke to him in that loud tone of voice, he raised up in bed and spoke to me, and said : ‘ Is that you Ed?’ He seemed just like a man waking up. He seemed a little slow and hard to Avaken.”
This Avas the only testimony as to the waking up of the sleeper and to his condition on being aroused. The hypothetical case stated to the defendant’s witness assumed the condition of tho man to be a "semi-unconscious condition ’ ’ from the effect of the escaping gas. Upon this assumption the expert in great part based his diagnosis of the cause of death. In making his ansAver he first recapitulated all the previous injuries received by the deceased, as they had been stated in the hypothetical question put to him, and then said :
"All of these shocks play their part in bringing about very serious conditions, and later on, as a last feature in the case, Ave find the man at a hotel inhaling gas. We know the primary effect of gas poison is dilation of the bloodvessels, a congested condition of the brain ; and Ave already have had a weakened condition to deal Avitli from the start; and Avhat I have heard of the testimony and what is embodied in*79 the hypothetical question I should judge that the mature cause of the man's death was apoplexy, produced by the inhalation of gas, each of these other factors playing their part in rendering the blood vessels sufficiently weak to give way under the stress of circumstances attending that inhalation of gas. That is about how I should look at a case like that if it was brought to me.”
What the testimony of this witness might have been as to the cause of death had not the incident of breathing the gas been stated to him in such highly exaggerated form, we do not know. Stated to him as it was, it formed in his judgment one of the efficient causes of death; a cause which, as is evident from his testimony, materially hastened the death. It was therefore substantial error to allow the question in the form in which asked.
Other claims of error are made, and in particular one relating to. the proper construction of the terms of the policy sued upon. We have examined these alleged errors, but do not agree with plaintiff in errólas to any of them. However, for the one pointed out, the judgment is reversed, and a new trial ordered.