| Iowa | Jun 24, 1916
“In the event of disability, due to either*400 accident or illness, resulting wholly or in part, directly or indirectly, from any chronic disease or infirmity, from tuberculosis, cancer, rheumatism, paralysis, apoplexy, orchitis, neuritis, locomotor ataxia, lumbago, strains, lame back, sciatica, vaccination, Bright’s disease, dementia, insanity, neurasthenia, hernia, or in the event of any accidental injury otherwise covered by this policy resulting in hernia; surgical operations not necessitated solely by injury covered under this policy, and made within 90 days from date of accident, then and in all such cases referred to in this paragraph, the limit of time for which indemnity shall be payable for loss resulting from the cause aforesaid, shall be not to exceed one month in any one policy year, in the manner and at the rate which would otherwise be payable under this policy, anything to the contrary herein notwithstanding. ’ ’
Plaintiff claims that, while he was riding in an automobile, the ear, running at a high rate of speed, went over a bump in the road, and that he was bounced from the back seat in which he was riding, in such a manner that his head struck one of 'the bows in the top of the auto, and that he was thrown back in such a manner as to alight upon a doctor’s surgical case which was in the bottom of the machine, and that the injuries he received resulted in paralysis, or partial paralysis, from which he suffered for several months. He asked judgment for the time lost, at the rate fixed in the policy.
The defendant pleaded the stipulation in the policy which we have quoted in full, and averred that plaintiff did not suffer the injury claimed by him, and that, if he did suffer some injury, it was inconsequential in character, and that what he really suffered from, was paralysis, and that his loss of time was due either directly or indirectly to paralysis. It admitted its liability to the extent of $35, and this, it offered to pay.
On these issues, the case was tried, resulting in a verdict and judgment for plaintiff in the amount claimed by him. The trial court submitted to the jury the question as to
‘ ‘ The policy of insurance sued upon in this case provides, among other provisions, that, in the event of disability due to either accident or illness, resulting wholly or in part from paralysis, the limit of time for which indemnity shall be payable for loss resulting from said cause shall be not to exceed one month in any one policy year, in the manner and at the rate which would otherwise be payable under this policy. In this connection you are instructed that, if the disability of plaintiff, if any, resulted from paralysis and not from the alleged accident, your verdict must be in favor of the plaintiff for the sum of $35. On the other hand, if the said disability resulted from the alleged accident and not from paralysis, then your verdict should be in favor of the plaintiff for such sum as he has established under- the evidence- he is entitled to, not exceeding the amount claimed by him in his petition.”
This latter instruction is challenged, and it is strenuously insisted that, under the record, plaintiff’s recovery should, in any event, have been limited to $35. The argument revolves around this central proposition, and all else is disposed of when that question is settled. It is claimed, however, that the testimony shows that plaintiff could not have been paralyzed from the blows and bumps that he received in the accident, and that the motion for a new trial should have been sustained on this ground. A review of the record satisfies us that this was a jury question, and that we should not interfere. The experts were not all with defendant’s theory of the ease. Again, the jury was authorized to find that plaintiff struck the surgeon’s case, which was in the tonneau of the car, in such a manner as that injury may have been done to his spine, so as to produce the results which he claims to have suffered.
This is a strained construction of the language used. The term “due to either accident or illness,” has relation to the subject of disability, and the clause “resulting . . . from paralysis, apoplexy,” etc., has reference to the disability, and not to the accident or illness. In other words, the proper construction of the clause is that, if a disability due to accident results from paralysis, etc., then there is a limited liability. But, if it results in paralysis, apoplexy, etc., then there is full liability. Counsel state the whole case when they say that appellant is not liable for more than $35, if, as a result of an accident, plaintiff was paralyzed, and thus disabled. They say that the term “resulting from,” etc., should be referred back to its immediate antecedent, “accident,” and not to the more remote one, “disability.” But this rule is not of universal application, and, at most, is a mere rule of construction, yielding always to the context, and the connection in which it is used.
It will be observed that the term used is “resulting from, ” and not “resulting in.” An accident may, of course, result from a given cause, but it results in certain effects. As applied to disability, the words have a somewhat different significance. Insurance contracts, if susceptible of two constructions, are given that one most favorable to the assured. With this rule in mind, we have little hesitation in saying that, if an accident results in paralysis or apoplexy, the disability is due to an accident; while, if the accident resulted from paralysis or