46 S.E.2d 361 | Ga. Ct. App. | 1948
A life-insurance policy, insuring "against loss . . resulting from sickness contracted and beginning after this policy has been maintained in force for not less than thirty (30) days from its date, and causing loss commencing while policy is in force," and providing in its caption that "this policy provides for loss of life, limb, limbs, sight or time caused by accidental means, or death from fatal illness," held to cover death of the insured from natural causes after the policy had been in force for more than 30 days; and the trial court erred in dismissing the plaintiff's action on general demurrer.
The defendant demurred to the amended petition on the grounds: that it appears from the policy attached thereto that the only death benefits payable under the policy are set out in paragraph "K" thereof, and that the policy was issued on November 22, 1946, and Belle Hart died on December 29, 1946, which was less than 45 days from the date of the policy, as provided for in said paragraph "K"; and that no cause of action is set forth against the defendant, as paragraph 2 of the "Insuring Clause" of the policy does not provide for any death benefits. The court sustained the demurrer and dismissed the plaintiff's action. The exception here is to that judgment.
In the caption on the face of the policy, it is provided in large print: "This policy provides indemnity for loss of life, limb, limbs, sight or time caused by accidental means, or death from fatal illness, or for loss of time by illness to the extent herein provided." The "Insuring Clause" is as follows: "This policy insures against (1) loss resulting directly and independently of all other causes from bodily injury sustained during any term of this policy and effected solely through external, violent and accidental means, said bodily injury being hereinafter referred to as `such injury,' or (2) resulting from sickness contracted and beginning after this policy has been maintained in force for not less than thirty (30) days from its date, and causing loss commencing while the policy is in force, hereinafter referred to as `such illness.'" And clause (AA) under the "Insuring Clause" is as follows: "Principal Sum Two Hundred Fifty No/100 Dollars. Monthly Accident Indemnity Twenty No/100 Dollars." Monthly Illness Indemnity Twenty No/100 Dollars." Clause A provides for indemnity for specific losses resulting solely from such injury within ninety days from the date of the accident; clauses B and C provide for Monthly Accident Indemnities; clause D, for Double Indemnity; Clause E, for Surgeon's Fees, etc.; and Clause K is as follows: "If the illness for which indemnity is payable under this policy is of such a serious character *476 that it results fatally after the expiration of a period of forty-five (45) days from date of policy, the company will pay an additional indemnity of fifty dollars ($50) on account of such illness, to cover additional expenses put upon the Insured during such illness and by reason thereof."
Whether the petition was subject to the demurrer depends upon a construction of the policy of insurance. "The contract of insurance should be construed so as to carry out the true intention of the parties." Code, § 56-815. While the language of a contract of insurance should receive a reasonable construction, it is a well-settled principle of law that a policy of insurance will be liberally construed in favor of the object to be accomplished, and provisions therein will be strictly construed against the insurer. New York Life Insurance Co. v. Thompson,
In Mercer v. Commercial Casualty Ins. Co.,
We think that a reasonable and proper construction of the policy here sued on is that it provides for indemnity in the principal sum of $250 for the death of the insured from fatal illness or natural causes, where death resulted from sickness contracted and beginning after the policy had been maintained in force for not less than 30 days from its date, and while the policy was in force, as well as providing for the same indemnity for loss of life of the insured from accidental means. Clause "K" of the policy merely provides that, if the death of the insured results from illness after the expiration of a period of 45 days from the date of the policy, the company will pay an additional indemnity of $50, to cover additional expenses put upon the insured during such illness and by reason thereof. No claim is made for an additional $50 in the present suit, as the policy had not been in effect for 45 days at the time of the death of the insured; but it had been in force and effect for more than 30 days from its date, at the time of the insured's death.
The trial court erred in sustaining the defendant's demurrer, and in dismissing the action.
Judgment reversed. Parker, J., concurs. Felton, J., concursspecially.