206 Mass. 247 | Mass. | 1910
These are actions upon contracts of insurance in the Massachusetts standard form. The first defense put forward is that no statement in writing was furnished by the insured “ forthwith ” as required by this clause of the policy: “ In case of any loss or damage under this policy, a statement in writing, signed and sworn to by the insured, shall be forthwith rendered to the company, setting forth the value of the property insured, the interest of the insured therein, all other insurance thereon, in detail, the purposes for which and the persons by
The word “ forthwith ” or other equivalent expressions used in this connection have been frequently before the courts for interpretation. Harnden v. Milwaukee Mechanics' Ins. Co. 164 Mass. 382, 384. Mandell v. Fidelity & Casualty Co. 170 Mass. 173,177. Smith & Dove Manuf. Co. v. Travelers' Ins. Co. 171 Mass. 357, 358. Parker v. Middlesex Mutual Assur. Co. 179 Mass. 528. Cook v. North British & Mercantile Ins. Co. 181 Mass. 101; S. C. 183 Mass. 50, 51. Fuller v. New York Fire Ins. Co. 184 Mass. 12, 20. Smith v. Scottish Union & National Ins. Co. 200 Mass. 50, 53, and cases cited. Bennett v. Ætna Ins. Co. 201 Mass. 554, 556. Everson v. General Accident, Fire & Life Assur. Corp. 202 Mass. 169, 174, and cases cited. Hughes v. Central Accident Ins. Co. 222 Penn. St. 462.
The result of these decisions is that, upon such a defense, the inquiry is whether in the light of conditions surrounding the insured at the time when he was bound to act, considered as they then should have been by an ordinarily prudent man, he exercised reasonable diligence in rendering the written statement to the insurer without unnecessary delay. An insured, who has suffered loss, may properly take a few days in order to acquire the knowledge necessary intelligently to prepare a statement, adequate both to give some reliable data to the insurers and to protect his own rights in the future. The time required for this purpose must vary with the character and extent of the property injured, the intimacy of the relation of the owner to it and the circumstances peculiar or personal to himself in which at the moment he may be placed. What may be forthwith in any case depends upon a due regard to all these considerations. This provision of the contract is prescribed by the statute, has been entered into by the parties and must be performed, unless there is something in the words or conduct of the insurer which either partially or wholly excuses the insured from compliance. There may be negotiations for a settlement of the loss of such a
The fire by which the plaintiff suffered loss occurred on December 12, in a small country town. The property was a pickle factory. There was evidence which would support a finding that within two days after the fire the secretary of one of the defendants came to the plaintiff, appearing to represent both the mutual companies, talked over with him the subject of the loss, and, about a week after the fire (or perhaps two weeks, the evidence upon this point not being definite), representatives of all the defendants empowered to adjust the loss having given previous notice of their coming to the plaintiff, visited the premises and remained there several hours; they were accompanied by a carpenter, who conferred with them from time to time and made measurements of the injured buildings, and they made divers propositions to the plaintiff in an ineffectual endeavor to adjust the loss. On the day after this, due statements were made, one of which was received by each of the defendants sixteen days after the fire. Early in the following January, there was another meeting between the plaintiff and several adjusters who had authority to represent all the defendants, at which a further attempt was made to settle the loss. During this interview, one of the adjusters, who acted as spokesman for all, said without dissent by any of them that “ they had received the statements of loss and that they were all right.”
If these were found to be the facts, the inference was warranted that the defendants gave the plaintiff to understand by their words and conduct that statements need not be furnished until after there had been an examination' of the premises by their representatives and an attempt to compromise their respective rights under the contract, and that thereafter their agents admitted that statements sufficient in form and satisfactory as
It is further urged in defense that the statements as rendered were not in compliance with the policies in that they failed “ to set forth all other insurance thereon, in detail.” The fact relied on in support of this contention is that it may have been found that there was another policy of insurance issued by the defendant, the Attleboro Mutual Insurance Company, which was not included in the list. This policy was applied for in writing, but the plaintiff’s name to the application was signed by an insurance solicitor, and, although there was some evidence tending to show that it was issued and mailed to the plaintiff, and that he paid for it along with other policies, yet he did not receipt for it, and he testified that he had no recollection of ever having applied for the policy or having paid for it or its having been issued to him, and that he had “ never received it.” On this state of the evidence the jury might have found either way on the question whether the policy became a binding contract. A finding certainly would have been warranted that the plaintiff made a full statement as to other insurance “ so far as known to him,” which is all that was required of him. This modifying clause of the insurance contract applies to all the statements which the insured is required to make. It cannot be presumed to have been the intent of the legislature in enacting this paragraph of the standard form to hold an insured to anything more than good faith and reasonable investigation to ascertain the facts in rendering the statement. He is not required to be a warrantor of the truth of all recitals in it. The general rule that a modifying clause is ordinarily to be confined to the last antecedent does not apply where a consideration of the subject matter requires a different construction. The punctuation of the paragraph, which has been the same in all its enactments (St. 1873, c. 331, § 1, St. 1881, c. 166, § 1, Pub. Sts. c. 119,
."Exceptions sustained.
