40 So. 2d 868 | Ala. | 1949
This is a suit brought by Annie Mae Gilford, as administratrix of the estate of Lamar Gilford, deceased, against Emergency Aid Insurance Company, a corporation, on a policy of insurance issued by it to Price Lumber Company of Clio, Alabama, on June 10, 1948, whereby it insured the employees of Price Lumber Company against loss of life by accidental means. Lamar Gilford was employed by Price Lumber Company at about one o'clock P. M. on June 26, 1948, and on the same date while so employed and while the policy was in force met his death by accidental means about 1 hour to 1 1/2 hours after he was employed. The defendant filed three special pleas which are based on provisions contained in a rider to the policy which reads as follows:
"When the name or names of new employees are to be added the company shall issue a certificate in writing to be attached to this policy and the insured employee shall be notified in writing by the company to that effect.
"The operator shall have the right to drop the name or names of employees from this policy and add the name or names of new employees as his employment changes; if the names of any employees are dropped from this policy, the name or names of a like number of employees may be added for the remainder of the premium period without additional cost, upon notice to the company of the names of employees so added."
The plaintiff demurred to the pleas and the court overruled the demurrers. On account of these rulings the plaintiff took a nonsuit. Hence this appeal.
The pleas and rulings on the demurrers thereto are presented as a group and we shall so consider them. It appears to be conceded that the alleged failure to notify the defendant of the employment of Lamar Gilford and the resultant failure of the defendant to issue a certificate to be attached to the policy showing the name of Lamar Gilford is the only defense sought to be set up in the pleas. The demurrer attacks the pleas only on the ground that failure to give the defendant notice of the employment of Lamar Gilford constitutes no defense.
We think the court acted correctly. While the policy should be liberally construed in favor of the insured, it seems clear to us that the policy undertakes to insure only those employees whose names are included in the list of employees contained in the policy or shown by certificate attached thereto. 29 Am.Jur., § 1375, p. 1028; 55 A.L.R. p. 1251. It makes no difference whether a new employee takes the place of one who is dropped from the policy or is in addition to those already listed, his name must appear in the policy or in a certificate attached thereto before he is insured. Until his name so appears the policy is not completed as to him. Malone v. Protective Life Ins. Co.,
We do not consider that All States Life Ins. Co. v. Tillman,
Affirmed.
BROWN, FOSTER, and LAWSON, JJ., concur.