This is the second appeal in a damage suit for personal injuries alleged to have been sustained in a vehicular accident about 1:45 A.M. on October 15, 1953, at the East Fork bridge on U. S. Highway 36 about 2.7 miles west of Macon, Missouri. The first trial resulted in a jury verdict for defendant; but, upon appeal, the judgment was reversed and the cause was remanded because of an erroneous instruction. Faught v. Washam,
The East Fork bridge, 365 feet in length, had side railings of two-inch iron pipe; and, from the east end of the bridge, guaro- *592 rails 40 feet in length angled onto the shoulders of the highway. The roadway on Highway 36 and the bridge floor were of concrete and 20 feet in width. East of the bridge, the highway was perfectly straight to the top of a hill some 1,800 feet distant; and, for about 3S0 feet east of the east end of the bridge, the highway was practically level. The accident occurred on a dark, clear night when the pavement was dry.
Plaintiff, then 20 years of age and alone at the time, was driving his 1941 Mercury sedan, olive drab in color with whitewall tires, in a westerly direction on Highway 36 at a speed of 60 to 65 miles per hour. As he approached the bridge, he “dozed off to sleep” and his automobile veered to his left-hand or south side of the roadway, first shearing off the guardrail and then tearing down 105 feet of the south bridge railing before coming to a stop on the bridge, crosswise of the highway, with the rear end of the Mercury about one foot from the north bridge railing and with the front end four or five feet from the south bridge railing. The account of plaintiff (the sole witness on this subject), curiously but convincingly credible to the jury, was that this violent encounter with the guardrail and bridge railing damaged his Mercury only to the extent of having “Mowed out” its left front tire, “mangled up” its left front fender, and “knocked out” its lights, and left plaintiff in the driver’s seat physically unscathed and mentally alert. Continuing, plaintiff testified that, “just seconds” after the Mercury came to a stop on the bridge, he observed the headlights of an approaching west-bound automobile (subsequently identified as defendant’s 1953 Buick Roadmaster sedan), then about 600 to 700 feet east of the bridge. As plaintiff was getting out of his unlighted Mercury, with his left hand on the left front do-or (then open), his right hand on the steering wheel, his left foot on the left running board, and his right foot “by the accelerator,” the right rear portion of defendant’s west-bound Buick struck the left front portion of the standing Mercury with the result (so plaintiff said) that “the front fender came through the bottom and caught my (right) foot, brought it back under the seat,” pinning plaintiff in his automobile until, seeing “the dashboard all tore out and * * what I thought was smoke * * *, I reached down and pulled my foot from behind that seat.”
Riding with defendant, returning from St. Louis to his home in Marceline, Missouri, were his wife, her mother, and two other ladies, one of whom was killed in this accident. Defendant’s version of the accident was that, when his west-bound Buick Roadmaster, then traveling 60 to 70 miles per hour with the headlights on “bright,” reached a point between 100 and 130 feet from the east end of the bridge, “I saw something that gave me the impression of being a piece of paper, something white in my lane,” which “I couldn't identify * completely”; that, “just a second after that,” when “possibly 70 or 80 feet” from the east end of the bridge and traveling 60 to 65 miles per hour, he observed plaintiff’s unlightcd Mercury on the bridge, immediately applied the power brakes on the Buick, and swerved to his left or to the south; and that, “bouncing” on the loose pipe and debris scattered over the bridge floor by the Mercury, defendant lost control of his Buick, its left front wheel struck the low concrete curb along the south side of the bridge floor, the right doors of the Buick “flew open,” three of the four passengers in the Buick were thrown onto the bridge floor, and the Buick went off the south side of the bridge and came to rest on its left side, headed west, on the ground about 8 feet below the bridge floor.
Plaintiff’s theory, apparently accepted by the jury, was that, when the left front wheel of defendant’s west-bound Buick struck the concrete curb on the south side of the bridge floor, the Buick was whirled in a counter-clockwise direction and its right rear portion was thrown violently into the left front portion of plaintiff’s *593 Mercury, causing the major portion of the damage to the Mercury and all of plaintiff’s injuries. Although defendant and his surviving passengers testified (as defendant put it) that “to the best of my knowledge at this time I would say” that the Buick went off the bridge before it reached plaintiff’s Mercury and that there was no collision between the two vehicles, defendant's counsel frankly concede that the jury verdict “has resolved any dispute as to whether the two cars collided.”
Defendant’s initial complaint on this appeal, i. e., that the trial court erred in overruling his motion to dismiss plaintiff’s petition, requires a brief review of the pleadings. Following remand of the case, to-wit, on November 15, 1957, defendant filed, for the first time, a counterclaim alleging primary negligence-on the part of plaintiff and seeking the aggregate sum of $12,857 for personal injuries and property damage. To that counterclaim, a reply was interposed on November 29, 1957, in which a release in conventional form, executed by defendant and his wife under date of January 22, 1954 (prior to institution of this action on March 15, 1954) for a recited consideration of $1,170, was pleaded as “a complete defense” to defendant’s alleged cause of action. Defendant thereupon filed a motion to dismiss plaintiff’s petition, in which defendant admitted execution of said release and asserted that plaintiff, by pleading it in his reply, had ratified and adopted the release and that, since it contained no reservation of right to sue defendant, the release constituted “a full compromise and accord and satisfaction between the parties” and “merged and extinguished” the conflicting claims of the parties to the settlement, thus precluding plaintiff from prosecuting this suit.
At a separate hearing before the court on defendant’s motion to dismiss, the uncon-tradicted evidence was that an adjuster for plaintiff’s liability insurance carrier had made the settlement payment of $1,170 to defendant and had obtained the release of January 22, 1954, without the prior knowledge, authorization or consent of plaintiff; that, in fact, plaintiff had not heard of this settlement payment or release until informed of them by his counsel on December 14, 1957; and, that he had never authorized his insurer “or anyone else to convey away or extinguish” his cause of action against defendant. Plaintiff further stated that he had not known of defendant’s counterclaim or the reply thereto until likewise informed of them by his counsel on December 14, 1957; that he had not authorized the filing of the reply; and, that he did not ratify or adopt the release pleaded in the reply. One of plaintiff’s attorneys testified that, since he was aware of plaintiff’s liability insurance coverage, realized that the limit of liability of plaintiff’s insurer was in excess of the damages sought in defendant’s counterclaim, and knew that the insurer had a policy obligation to defend against the counterclaim, he had reported to the insurer concerning the counterclaim and had been authorized and directed by the insurer “to represent them in the defense of that counterclaim.” So, without notifying or consulting with plaintiff, counsel (so he said) filed the reply to defendant’s counterclaim on behalf of plaintiff’s insurer “as their attorney and pursuant to the provisions of (plaintiff’s) insurance policy giving (his insurer) the exclusive right to control the defense of that counterclaim.” At the conclusion of the hearing on December 28, 1957, defendant’s motion to dismiss plaintiff’s petition was overruled.
On appeal, defendant earnestly reasserts that plaintiff ratified and adopted the release by pleading it in his reply and by refiling said reply when defendant’s counterclaim was refiled on January 4, 1958, and that the ratified release “constitutes an accord and satisfaction between the parties, the legal effect of which is to merge and bar the future assertion of their conflicting claims and defenses.” Able counsel for the respective parties (whose excellent briefs reflect the industry and intelligence of their authors) have cited no factually analogous
*594
case in any jurisdiction, and our research has revealed none, in which this novel point has been ruled. True, we find cases in which the facts have invoked application of the principle that the making of a settlement without express reservation of rights estops any
immediate
party to the settlement from subsequently prosecuting a claim arising out of the same accident.
1
But, in each of those cases (with a single exception to be noted), “(t)he facts lack the element of settlement by a third person (insurance carrier).” DeCarlucci v. Brasley,
A standard automobile liability insurance policy (such as that issued to instant plaintiff) specifically provides that the insurer “may make such investigation, negotiation and settlement of any claim or suit as it deems expedient,” thus empowering the insurer to act independently in protecting the interests of itself and its insured. 2 However, such policy does not confer upon the insurer any express or implied authority to settle an insured’s claim against a third party or otherwise prejudice the substantial rights of an insured without his knowledge or consent, 3 and the general rule is that settlement by an insurer of a claim against its insured, where effected without the insured’s knowledge or consent and not thereafter ratified or adopted by him, does not bar an action by the insured. 4 Since the rule recognizes that an insured may be es-topped from subsequent action where he ratifies or adopts a settlement by his insurer (although no such instance of ratification or adoption has been cited or found), we have in the instant case the narrow question as to whether pleading of the release in the reply to defendant’s counterclaim consti *595 tuted a ratification or adoption of the settlement effected by plaintiff’s insurer on January 22, 1954.,^
Ordinarily, a release is ratified or adopted by one pleading it,
5
but the instant case presents no ordinary situation. True, the release taken by plaintiff’s insurer was pleaded in a reply filed in 'plaintiff’s name and signed by the attorneys who Had represented plaintiff from the time of institution of this suit. Compare Radosevich v. Pegues,
After entry of the order overruling defendant’s motion to dismiss, the trial court sustained plaintiff’s motion for a separate trial of the counterclaim. That action is now assigned by defendant as having been “reversibly prejudicial.” Section 510.-180, subd. 2 RSMo 1949, 31 V.A.M.S., provides that a trial judge “in furtherance of convenience or to avoid prejudice may order a separate trial of any claim, cross-claim, counterclaim, or third-party claim.” We recognize that, in damage suits, this discretionary power is invoked more frequently to obtain a separate trial of a cross-
*596
claim or third-party claim,
8
and that, in many instances, an order directing a separate trial of a counterclaim would be prejudicial to defendant and wholly unjustified. See Federal Land Bank of St. Louis v. Bross, Mo.App.,
As upon the prior appeal, defendant again asserts that plaintiff did not make a submissible case under the humanitarian doctrine, the sole pleaded theory of negligence, and that, therefore, defendant’s motion for a directed verdict at the close of the case should have been granted. Having reviewed the entire transcript on the first appeal as counsel for both parties have invited us to do, we are satisfied that our prior opinion [365 Mo. loc. cit. 1030-1031, 291 S.W.2d loc. cit. 83-84] correctly determined the issue as to submissibility of the case; and, being convinced that the variations in evidence at the two trials were not so material or substantial as to require or justify readjudication of this issue, we adhere to our previous ruling of submissibility as the law of the case. Wilson v. Toliver, Mo,
Defendant’s complaints about plaintiff’s sole verdict-directing instruction 1 are, as summarized, (a) that it required no findings that plaintiff was oblivious and unable to escape by his own effort and (b) that, because the instruction “contained no guide whereby the jury could determine” either “how” or “when” a position of imminent peril could arise, it gave the jury a roving commission to determine that plaintiff was in a position of imminent peril simply because he was in his Mercury on the bridge within the effective range of the headlights on defendant’s Buick. The first complaint is without merit because obliviousness and inextricability have not been essential to recovery under our humanitarian doctrine since “the principal opinion in Banks v. Morris & Co,
Turning to the second summarized complaint, we observe that the only material findings required by plaintiff’s instruction 1 were “that at the time and place in question plaintiff became and was in a position of imminent peril and danger from collision” between the two automobiles, and that defendant saw or could have seen plaintiff “in the aforesaid
position
of
imminent
peril and danger” in time thereafter to have stopped his Buick automobile and thus to have avoided a collision. Standing alone, this instruction might have been subject to the criticism leveled against plaintiff’s sole verdict-directing instruction in -Johnson v. St. Louis
*597
Public Service Co.,
Defendant also charges that the trial court erred in permitting witnesses Gilbert and Willey to testify concerning their experiments in stopping a 1953 Buick Roadmaster on a dry concrete pavement, without requiring a showing that such experiments had been made “with pavement (floor of bridge) littered with iron pipe and other debris, in the nighttime.” Generally speaking, experimental evidence is admissible, in the sound judicial discretion of the trial court, when it is shown that the experiment was conducted under conditions substantially similar in essential particulars to the conditions prevailing at the time of the occurrence in suit.
13
However, it is not required that the conditions surrounding the experiment should have been precisely identical with those surrounding the occurrence under investigation; and, if the conditions were substantially similar, the differences in condition are for the jury in evaluating the weight to be given such evidence. Lance v. Van Winkle,
In any event, defendant is in no position to complain about plaintiff’s evidence as to the stopping distance of a 1953 Buick Roadmaster running 60 miles per hour on dry, level concrete pavement, when the first evidence on this subject was elicited by defendant’s counsel (during cross-examination of the investigating trooper) in response to the naked inquiry, “Can you tell us how long it would take an automobile traveling 60 miles an hour to be stopped under normal driving conditions on a good highway and with good brakes, if you have that information?” If there was any error in the manner in which plaintiff’s evidence on this subject subsequently was developed, it falls in the general category of self-invited error. 14
*599
In another assignment of error, defendant says that the trial court should not have admitted the experimental evidence of witnesses Gilbert and Willey as to how far ahead a dark, unlighted object would be illuminated on a clear, dry night by the headlights (on “bright”) of a 1953 Buick Roadmaster. But, the only objections (not sustained) to this line of testimony by witness Gilbert were lodged after answers by the witness and are noted in this language, “Objected to by defendant’s •counsel and overruled by the court.” Even when timely interposed, a general objection to the admissibility of evidence preserves and presents nothing for appellate review.
15
Similarly, defendant may not have appellate review of the testimony of witness Willey on the same subject, where the transcript shows no objection to such testimony
16
and consideration of defendant’s present complaints concerning this evidence is neither invoked nor justified under our Rule 3.27, 42 V.A.M.S. Parmley v. Henks, Mo.,
We come now to a series of assignments, complaining of action which, as we have concluded, in its cumulative effect was prejudicial and deprived the defendant of that fair trial which is the heritage and right of every party litigant under our system of jurisprudence. The first such assignment is directed to the reception in evidence of six
colored
photographs of plaintiff’s injured right foot and of his left thigh (from which skin had been grafted onto the right heel), two of said photographs having been taken six months subsequent to the accident and four of them one year subsequent to the accident. After defendant’s objection that these photographs were “highly inflammatory * ⅜ * purporting to show bloody scabs in high and unrealistic colors designed to prejudice and inflame the jury” had been overruled, the photographs were admitted upon identification only by plaintiff that they were “fair and accurate representations” of the extremities shown. Although opposing counsel agree that this is the first case in Missouri which has called for appellate discussion of
colored
photographs, we find mention of such photographs in numerous cases from other states.
18
Implicit in all of these cases is the thought that there is no logical reason why colored photographs should not be used in evidence, subject to the same limitations and restrictions as black and white photographs [State v. Huff,
We rule this assignment of error with recognition and reaffirmation of the principle that much should be left to the sound judicial discretion of the trial judge in determining the admissibility of photographs.
19
But, the doctrine of due deference to the trial court in discretionary matters is not to be self-administered by appellate courts to anesthetize against sensitivity to prejudicial error or employed by counsel to neutralize all such error; and we observe that, in cases involving ordinary black and white photographs, our courts properly have concerned themselves not only with appropriate identification of the particular photograph as a true and accurate portrayal of that which it purports to show but also with the question of whether the photograph was prejudicial and inflammatory.
20
As for the six colored photographs in the instant case, we have had sufficient familiarity with male limbs to know that the limbs shown in these photographs are not portrayed in their
natural color
(and certainly the same is true with respect to the backgrounds), and we have had sufficient experience in trial practice (inept as we may have been in that field) to perceive the probable inflammatory impact of such photographs depicting sympathy-provoking injuries in “high and unrealistic colors.”
“
'A defendant, in an action for damages for personal injury, suffers many unavoidable disadvantages, which makes it only the more necessary to shield him from those which may be avoided. The maimed, the widow, and the orphan draw strongly enough on the hearts of jurymen without affirmative effort to arouse sympathy. Human nature needs no artificial aid in this respect.’ ” Taylor v. Kansas City Southern Ry. Co.,
In urging an adequate award to his client, plaintiff’s counsel said, in his closing argument, “What is a dollar worth? Stan Musial gets $100,000 a year for playing baseball”; and, after prompt objection to that argument had been overruled, counsel continued, “Ted Williams gets $125,000 per year, they are the best. The average professional baseball player gets $25,000 to $30,000 in one year playing ball.” On appeal, plaintiff asserts that this argument was proper because it “simply went toward the present-day purchasing power of a dollar.” We agree that counsel may direct the jury’s attention to the decreased purchasing power of the dollar [Evans v. General Explosives Co.,
Two sentences later, plaintiff’s counsel said, “We arc certainly not moti-vated by any desire to place a hardship upon Mr. Washam (defendant) personally." Although an objection to this statement was sustained, defendant’s motion to discharge the jury and declare a mistrial was denied; and when, failing that, a request was made that plaintiff’s counsel be reprimanded, the court responded, “Objection sustained, the jury will disregard it; proceed.” The quoted argument was in no wise permissible under the evidence [contrast Moss v. Mindlin’s, Inc., Mo.,
One sentence later in a climactic appeal for an adequate award, counsel argued: “In considering what is an adequate sum for this young man, suppose I was to meet one of you ladies on the street and I
*602
say to you, ‘I want to offer you a job and I want to tell you a little bit about this job before you say you are going to accept it; one peculiar thing, if you take it you bave to keep it for the rest of your life, you work seven days a week, no vacations, work daytime and night. The other thing is, you only get paid $3.00 a day. Here is your job —your job is to suffer Mr. Faught’s disability.’” The objection of defendant’s counsel “to this highly improper, prejudicial and inflammatory argument” was, in effect, overruled by the court’s comment that “the jury will regard these arguments purely as arguments, and not as evidence in this case” [Hancock v. Crouch, Mo.App.,
From time immemorial, the judicial measure of damages for pain and suffering has been fair and reasonable compensation [see Rigley v. Prior,
To us, the considerations advanced by the authorities disapproving the mathematical formula argument are more persuasive. Whatever may be the cold logic or ■academic theory of the matter, the ungilded reality is that such argument is calculated
i
and designed to implant in the jurors’ minds ■definite figures and amounts not theretofore in the record (and which otherwise could not get into the record) and to influence the jurors to adopt those figures and amounts in evaluating pain and suffering and in ad-measuring damages therefor.
If
an
argument
of this character is permissible and proper, it would be just as logical, and equally as fair, to permit “expert witnesses” to evaluate pain and suffering on a per diem or per hour basis — a revolutionary innovation which, so far as we are advised, not even the most ardent zealots of the mathematical formula technique have (as yet) proposed. Henne v. Balick, Del.,
Trial techniques may come and go, but the motivating emotions and besetting frailties of courts, counsel and jurors do not change. It is as true today, as it was a few years ago, that pain and suffering are not capable of precise monetary evaluation either by witnesses or counsel, and that “(t)he question in any given case is not what it would cost to hire some one to undergo the measure of pain alleged to have been suffered (or to be suffered) by the plaintiff, but what, under all the circumstances, should be allowed the plaintiff in addition to the other items of damage to which he is entitled, in consideration of suffering necessarily endured.” Goodhart v. Pennsylvania R. Co.,
Without undertaking to determine whether any single matter of which we have treated, standing alone, would constitute reversible error [Section 512.160, subd. 2 RSMo 1949, V.A.M.S.], we are firmly of the opinion that, in their totality, they do. Myers v. Moffett, Mo,
Notes
. Mensing v. Sturgeon, Iowa,
. Bratton v. Speaks, Ky.,
. Burnham v. Williams,
.Graves Truck Line v. Home Oil Co.,
. Meehem on Agency (2nd Ed.), Vol. 1, § 446, p. 329; Restatement of Agency 2d, § 97, p. 250; Robinson v. St. Jolms-bury & L. C. R. Co.,
. Consult Section 379.200 RSMo 1949, 19 Y.A.M.S.; State ex rel. Anderson v. Dinwiddie,
.See DeCarlucci v. Brasley,
. Anderson v. Bell, Mo,
. Johnson v. Flex-O-Lite Mfg. Corp., Mo.,
. Blaser v. Coleman,
. See v. Wabash B. Co.,
.Turbett v. Thompson,
. Lance v. Van Winkle,
. Clark v. Crandall,
. Stutte v. BrocTtrick, Mo.,
. Sandler v. Schmidt, Mo.,
. Concerning the admissibility of such evidence, see Hall v. Hannibal-Quincy Truck Line, Mo.,
. Knox v. City of Granite Palls,
. Gray v. St. Louis-San Francisco Ry. Co.,
. Lynch v. Baldwin, Mo„
. Stewart v. Boring, Mo.,
. Stewart v. Boring, supra, 312 S.W. 2d loc. cit. 135; Crockett v. Kansas City Rys. Co., supra, 243 S.W. loc. cit. 908; Haake v. G. H. Dulle Milling Co.,
.Dean v. Wabash R. Co.,
.
Neither the points briefed on appeal nor our opinion in Bone v. General Motors Corp., Mo.,
. Ratnor v. Arrington, Fla.App., Ill So. 2d 82; Four-County Electric Power Ass’n. v. Clardy,
. Botta v. Brunner,
