92 Wis. 63 | Wis. | 1896
1. The action is upon a “Wisconsin standard policy of fire insurance,” prepared, approved, and adopted by the insurance commissioner under ch. 195, Laws of 1891, which contains the condition that the policy shall be void “if the subject of insurance be personal property and be or become incumbered by a chattel mortgage,” and also the stipulation that “ no officer, agent, or other representative of the company shall have power to wTaive any provision or condition of this policy except such as by the. terms of this policy may be the subject of agreement indorsed hereon or added hereto, and as to such provisions and conditions no officer, agent, or representative shall have such power or be deemed or held to have waived such provisions or conditions unless such waiver, if any, shall be written upon or attached hereto.” The only waiver relied on in respect to the chattel mortgage to Ann Dowling was by parol, and the
That no part of the legislative power can be delegated - by the legislature to any other department of the govern- - ment, executive or judicial, is a fundamental principle in - constitutional-law, essential to the integrity and maintenance of the system of government established by the constitution. The difficulty experienced by courts in distinguish- — ing between legislative power, which cannot be delegated, - and discretionary powers of an executive or administrative - character, which may be intrusted to other departments or - •officers in the conduct of public affairs, has been frequently - •experienced and acknowledged; and it arises, in a great- ** measure, from the fact that powers of the most important -character, not essentially legislative, but which the legisla- - ture might properly, in the first instance, exercise or deter- ' mine by its own judgment, are frequently devolved by’ the ' legislature upon other departments,- officers, or bodies. In Moers v. Reading, 21 Pa. St. 202, it was said that “ half the statutes on our books are in the alternative, depending upon - the discretion of some person or persons, to whom is con- - fided the duty of determining wThether the occasion exists -- for executing them. But it cannot be said that the exercise -• of such discretion is the making of the law.” This must be - understood, we think, as applicable only to cases where the
Where an act is clothed with all the forms of law, and is complete in and of itself, it may be provided that it shall become operative only upon some certain act or event, or, in like manner, that its operation shall be suspended; and the fact of such act or event,-in either case, may be made to depend upon the ascertainment of it by some other department, body, or officer, which is essentially an administrative act. In all such cases it is upon the occurrence of the fact or event that the act becomes operative or its suspension is accomplished. In Locke's Appeal, 72 Pa. St. 491, 498, it was declared that “ to assert that a law is less than a law because it is made to depend upon a future event or act, is to rob the legislature of the power to act wisely for the public welfare whenever a law is passed relating to a state of affairs not yet developed, or to things future or impossible to know;” and it was said that the proper distinction is this: “ The legislature cannot delegate its power to make' - a law, but it can make a law to delegate a power to deter- V mine some fact or state of things upon which the law makes, V or intends to make, its own action to depend.” And ac- r cordingly the time when the act shall take effect may be made to depend upon the majority of a popular vote being cast in its favor under a submission to the electors for that purpose, provided in the act. State ex rel. Att'y Gen. v. O’Neill, 24 Wis. 149; Smith v. Janesville, 26 Wis. 291.
The application of’the distinction so well established, and clearly pointed out in these cases is, we think, decisive of the validity of the act in question. Its object was to pro— vide for a uniform, policy of fire insurance, to be made, and - issued by all companies taking such risks, so that no other - than the standard policy, prepared, approved, and. adopted - by the insurance commissioner, could be lawfully issued or - used within the state. Indeed, to issue or deliver any other
It was impossible to adopt the New York standard policy without repealing certain statutes of this state on the subject • of fire insurance, directly contravening the provisions of" such policy, viz., the valued policy law and the insurance agency law. R. S. secs. 1943, 1941. The act did not contain any repealing clause, but its evident intention was that. the various statutory provisions existing upon the subject of cancellation of policies, and under the by-laws, rules, and regulations of companies made pursuant to their charters,, and in respect to proof of loss, should be repealed; for it was provided that five days’ notice of cancellation should be given, and proof of loss should be furnished within sixty days after the fire. The New York standard policy provides that proof of loss shall be furnished within sixty days • after the fire, “ unless such time is extended in writing by the company,” ■ — ■ a provision omitted from the "Wisconsin policy, as approved and adopted, as well as the provision of' the New York policy that “no suit or action on this policy shall be sustainable in any court of law or equity until after-
As the legislature could not, for reasons thus indicated, adopt the New York standard policy, the power was so delegated by the act to the insurance commissioner, to prepare,, approve, and adopt a printed form in blank of a contract or policy of fire insurance, etc., which would, “ as necvr as the same earn, be made applicable, conform to the type and form of the New York standard fire insurance policy.” The result was that, until the discretion vested in the commissioner should be exercised and such form was so approved and adopted, no business of insurance could be transacted under the act. Until then the act was ineffectual, for want of certainty. Evidently, the conformity to “ type and form n of the New York standard policy had reference to the form of that policy as embracing the substance of the provisions of the contract, and as to the size and kind of type to be used in printing the policy to be adopted. Had the commissioner wholly declined to prepare, approve, and adopt any form whatever, it would not have been possible to have carried into effect so imperfect or uncertain an enactment, or to transact business under it. Within the lines indicated, a discretion was reposed in the commissioner as to the form of the policy which embodied the substance of the contract,, and which was to have the sanction and force of law. The effect, clearly, was to transfer to him bodily the legislative power of the state on that subject. Within the limits prescribed, he was to prepare just such a policy or contract as, in his judgment and discretion, would meet the legal exigencies of the case, and no one could certainly predict what the result of his action might be. ' It was not to be published,, as laws are required to be, or to be approved by the governor. It was to be filed in the office of the insurance commissioner,,
The result of all the cases on this subject is that a law - must be complete, in all its terms and provisions, when it - leaves the legislative branch of the government, and noth- > ing must be left to the judgment of the electors or other appointee or delegate of the legislature, so that, in form and substance, it is a law in all its details in prmenti, but which may be left to take effect in futwro, if necessary, upon the ascertainment of any prescribed fact or event. Instead of preparing a form of standard policy and adjusting it to the existing legislation, or modifying such legislation, if necessary, by virtue of its constitutional functions, - the legislature delivered over this task wholly to the insur- - anee commissioner, to accomplish it as nearly as might be; and this depended wholly upon his discretion' and judgment as to what the law should be in this respect, for the act had not specifically declared it. Conceding that the legislature might have adopted the New York foi-m as an entirety by ■the use of general language, it is evident that the proposed form, to conform “ as near as can be to the form adopted •'in New York,” involved a duty equivalent to that of re•>-vision, which it cannot be contended could be delegated, ex-■cept subject to legislative approval. While the commis- " •sioner, within the discretion intrusted to him, might have •approximated in a great degree to the policy which the ' legislature may have intended, the objection, in view of the " -consideration stated, that it has not received the legislative x .•sanction, is necessarily fatal to it.
The cases of State ex rel. R. & W. Comm. v. C., M. & St. P. R. Co. 38 Minn. 298, and Chicago & N. W. R. Co. v. Dey,
For these reasons, we hold that the provision authorizing -• the insurance commissioner to prepare, approve, and adopt -- a printed form in blank of a contract or policy of fire in- ^ surance, together with such provisions, agreements, of con- ^ ditions as may be indorsed thereon or added thereto and ^ form a part of such contract or policy, and that such form shall, as near as the same can be made applicable, conform to the type and form of the Rew York standard fire insurance policy, so called and known, is unconstitutional and void. Conclusions in accord with these views, in somewhat similar cases, have been reached in other states. Anderson v. Manchester F. Ass. Co. (Minn.), 63 N. W. Rep. 241; O'Neil v. Am. F. Ins. Co. 166 Pa. St. 72. The instruction of the court to the jury that if the plaintiff Dowling, at the time the policy was issued, stated to defendant’s agent fully the existence of the incumbrances, they would find in favor of the plaintiffs, was correct and in conformity with previous decisions of this court on the subject of waiver of conditions of forfeitures in the policy against incumbrances. Renier v. Dwelling House Ins. Co. 74 Wis. 94, and cases there cited; Bourgeois v. Mut. F. Ins. Co. 86 Wis. 402.
2.. Evidence was given tending to show that proofs of loss under the policy were prepared and mailed to the company at their principal office, and that a postal card had been received from the defendant acknowledging receipt of. the same. A cojiy of the proofs was delivered to the local agent of the defendant, and a copy retained by the plaintiffs’ attorney, which, with such postal card, were offered in evidence, against the defendant’s objection, it being conceded that notice had been given to produce the original proofs. It was competent to show in this manner that proofs of loss
3. It is urged as ground for reversal that the evidence* showing the amount of the plaintiffs’ damages was insufficient to warrant the amount of the verdict. Without recapitulating the evidence, we will content ourselves with saying that we think it was sufficient to warrant the finding of the jury.
It does not appear that any ground exists for a reversal of the judgment.
By the Court. — • The judgment of the circuit court is affirmed.