201 F. 617 | 7th Cir. | 1912
(after stating the facts as above). The interesting questions presented under this writ of error arise in the suit brought by the plaintiff below, Pabst Brewing Company (hereinafter referred to as the Brewing Company), to recover damages caused by explosion of three steam boilers, forming part of a six-boiler battery in its extensive brewery plant at Milwaukee. Recovery is sought therein and verdict and judgment obtained against the plaintiff in error, Hartford Steam Boiler Inspection & Insurance Company (hereinafter referred to as the Insurance Company), under a complaint averring two causes of action — one stated in tort, for negligence in its inspection of the boilers, and the other in contract, under its policy of insurance against loss caused by explosion of the boilers. The amount of actual damages thus caused is stipulated at $97,500, and the entire amount thereof was assessed by the verdict against the Insurance Company, together with interest, making $104,178.75. It is unquestionable under the contract (and conceded as well) that such loss is recoverable against the Insurance Company, as insurer, to the extent of $50,000, and all controversy between the parties arises out of the claim and award of damages beyond that sum, named in the insurance policy as the limit of liability for loss “resulting from any one explosion.” The issues of law and fact thereupon are clearly raised by the pleadings and well presented in the arguments of counsel; and, whatever may be the difficulty of solution as -to the law applicable to either charge of liability, the facts are free, from material conflict in the testimony upon two of the leading issues in controversy, namely: (a) The facts of periodical inspections of the boilers and reports of their condition on the part of the Insurance Company, relied upon- for the assumption of duty charged in the first cause of action; and (b) the immediate circumstances of the explosion, relied upon as proving more than one explosion within the above-mentioned contract terms.
The insured battery of boilers, described as 6 Munoz water tube boilers, were recently installed by the Brewing Company (under contract with Platt Iron Works) as a new boiler plant in a new boiler house, to take the place of 33 boilers variously located throughout the brewing plant. These Munoz boilers were not of the ordinary type. Each was composed of two horizontal steam drums above and two water drums, called “mud drums,” below, with 32 vertical 4-inch tubes, extending downward from the bottom of the steam drum (about 14 feet) to the mud drum for connection between them. Horizontal steam tubes connected the two steam drums, and a bank of numerous tubes was suspended between the two rows of vertical tubes, connected at the rear of the mud drum. Outside the vertical tubing was a covering of asbestos or fire brick, extending up to cover a portion of the steam drum, called a “jacket”; and the boilers were inclosed at the front and back and across the top between the steam drums. The steam drums were 3 feet in diameter and 20 feet long, made of %-inch sheet steel. As 32 4-inch openings were required at the bottom of each to receive the upright tubes, a re-enforcement strip of %-inch steel, 9 inches wide, was riveted along the line to be punched to compensate for the weakness caused by such openings — a special feature of the construction which becomes prominent in the controversy over the charge of negligent inspection. The boilers were of
In 1907 this boiler plant was completed, and a boiler insurance policy theretofore issued by the defendant Insurance Company was then outstanding on the pre-existing boilers, which was temporarily made applicable to the new plant; and on July 28, 1908, .the policy in suit was entered into between the parties. On October 25, 1909, shortly after 4 a. m., three of the boilers, Nos. 1, 2, and 3, exploded, wrecking the boiler building, moving “a large elevator building immediately adjacent * * * bodily four feet oil its foundation,” and hurling wreckage over the premises and streets. Two engineers or firemen were in the boiler room, and one was killed, but the other was behind the above-mentioned stack, and fortuitously escaped alive in the midst of wreckage. According to the testimony of this survivor, boilers 1,-2, 3, and 4 were under full steam and connected up with the header, No. 5 was also under steam, and No. 6 was in course of firing to be connected up. No. 4 was crushed, but Nos. 5 and 6 were protected by the stack in some measure, and remained in place. The cause of 'explosion is unexplained, beyond the fact in evidence that the wreckage of the six steam drums of boilers 1, 2, and 3 shows the shells to be ruptured, respectively, along the line of rivets in the above-mentioned re-enforcement strips. Other circumstances bearing on particular questions discussed will be mentioned in reference thereto.
“That the total liability of the company for loss or dámag» resulting from any one explosion slial] not exceed the sum of fifty thousand dollars; and in case of more than one explosion, the entire liability of the company shall not exceed the sum insured by this policy, viz. $150,000.”
The issue of''contract liability, therefore, involves alone interpretation of this provision in the light of the facts in evidence and a special finding of the jury that there were three explosions. Three boilers of the battery were exploded, and the occurrence is described by the witnesses' as several explosions, detonations or reports (some naming three and others four), in distinct but rapid succession, with the first report mentioned by the chief witnesses as much heavier than those which followed. It does not appear how the pressure of steam
Is this not one explosion, as the cause of loss, within the terms and purpose of the insurance contract? The policy reads for insurance of $150,000 for a term of three years, “on the six (6) Munoz W. T. steam boilers contained in the premises occupied by assured, as brewery ‘New House’ * * * and on the property of the assured, and the property of others for which the assured may be liable, where-ever located, against loss or damage, except by fire caused by the explosion, collapse or rupture of the said steam boiler or boilers, or any of them; also against loss or damage to the assured resulting from the loss of life or personal injury of any person or persons caused by the explosion,” not exceeding $5,000 “for loss of life or injury of any one person” — with the total liability, for loss “resulting from any one explosion,” limited to $50,000 as above stated. Thus explosion is the danger insured against- — steam generated in a boiler being the explosive force in contemplation — and the liability is absolute for all damage caused thereby up to the limit stated, however the explosion may originate, except “in case the load on the safety valve approved by the company’s inspector * * * shall be exceeded.” It is neither contingent on the actual efficiency of the boilers for their purpose, nor does any covenant enter into the contract, on either part, that the boilers are in safe condition, although it does provide for their inspection by and at the option of the insurer, and that on discovery of defects affecting the safety of the boilers and notice thereof to the assured the insurance becomes void unless use thereof “shall cease until the defect is thoroughly repaired by the assured.” The six boilers mentioned in the policy were not separable entities for the purpose of insurance, but were in the well-known battery form, coupled to a common header, for joinder of several or all in steam service.
The contention in .support of liability for the total loss is this, in substance: That the above-mentioned limitation for loss “resulting from any one explosion” must be construed as “made with respect to the boilers as individuals”; that it “meant to the minds of these contracting parties that, if one boiler burst, the indemnity * * * was to be limited to $50,000,” and that, “when more than one boiler burst, the indemnity” was limited only to the face amount of insur
“That by the terms ‘explosion, collapse or rupture,’ as used in this policy, is to be understood a sudden substantial tearing asunder of the boiler or any portion thereof, or the sudden crushing or forcing inward of the furnace or the flues or othér parts of the boiler, caused by the pressure of steam; and ‘boiler’ is understood to include also the steam pipe, feed pipe and blow-off pipe up to and including the stop valve nearest the boiler in each of the same, the pipes of the water column, steam and water gauges, and the safety valve.”
It is argued thereupon that the term '''explosion” thus used and applied only to “a boiler as an individual” thing — not using “the plural number” — amounts to a definition of like restriction of the term as used in the limitation clause. We do not understand, however, that the definition cited tends in any degree to aid the contention that an explosion of one boiler which involves as well the explosion of others does not come within the meaning of this limitation of damages resulting from an explosion. It appears as one of the general provisions of the standard form of policy, and its obvious purpose is, as we believe, to prevent restricted application of the terms referred to, and so extend the meaning as to include all attachments of the boiler which were subject to pressure. Thus explosion of any of the numerous tubes and connections of the boiler in controversy is brought within the intendment of liability, including, as of course, resulting explosions and damages. Throughout the'policy the term “explosion” is used in the singular form, and we believe the limitation of liability for loss “resulting from any one explosion” accurately and entirely names the cause or event insured against, both within the settled rule of efficient or proximate cause and in accord with common usage in reference to an occurrence which involves the explosion of more than one boiler. Whatever the extent of damages resulting from an explosion, the indemnity recoverable under the contract is alike, whether one or several of the boilers explode, either concurrently or in succession, and no mention of successive (incidental) explosions is needful or desirable in the limitation clause.
The fact being established that the primary explosion in question occurred in one boiler, followed by explosion of two others plainly attributable to the first, we are satisfied that the above-mentioned doctrine of proximate cause becomes applicable to fix the one explosion as the cause of contract liability, and therefore strictly within the terms of the limitation.
Under the foregoing view, the defendant was- entitled to direction of a verdict for $50,000 and interest, as requested, on the contract cause of action, and the judgment must be reversed, unless the other cause of action furnishes ample ground for its support on the present record.
2. The propositions of law on which the alleged cause of action in tort rests are far wider in signficance, if not more difficult of solution, than those raised under the insurance contract, and their settlement as tenable merely establishes the relation between the parties under which the issues of fact may arise which are of chief importance to the parties in the present controversy. ■ These issues of fact are: (a) Of negligence on the part of the Insurance Company in inspection of the boilers, relied upon by the Brewing Company in their use and resulting in their explosion; (b) of contributory negligence therein on the part of the Brewing Company; and various assignments of error are involved under each in reference to rulings upon the evidence and instructions given or refused, for later consideration.
In the insurance contract provision is made for right of inspection on the part of the Insurance Company at its option, and for its own protection and benefit; but it is conceded that no contract obligation is thereby created to inspect for the benefit of the assured, nor to advise the assured from time to time as to the condition of the boilers. The law casts upon the owner of the boilers when in use, as instrumentalities of danger, the duty to inspect and care for their safety, for protection of the public; and, of course, the owner may delegate the inspection and care to competent employes or other agency (or both) remaining answerable for their negligent performance. As foundation for the present charge of liability, however, it is contended that the duty of inspection was assumed by the Insurance Company, as an undertaking outside the insurance contract and its purposes, to relieve the Brewing Company of performance thereof, and all inspections were so made and relied upon for safety in use of the boiler up to the time of the explosion. Thus the question arises: Can liability be so predicated, at the side of the insurance contract, and without other consideration, for alleged negligent inspection ?
We are of opinion that these facts of continuous conduct on the part ■of the Insurance Company in reference to the inspections and their purpose — if relied upon by the Brewing Company and so understood by the Insurance Company, as alleged — are of probative force to show both the undertaking of duty and relation of the parties upon which the action for negligence in performance thereof may be predicated. Neither the evidence nor the duty affects the terms, purpose, or performance of the insurance contract, or liability thereunder; and the assumed duty arising ab extra such contract, the objection above referred to, for inconsistency therewith, was rightly overruled. Inspection of the boilers necessarily requires care and skill in its performance for safety in their use, and, when thus undertaken by the Insurance Company to serve as a benefit to the assured, the duty arises, with or without contract obligation to inspect, to exercise reasonable care and skill in each inspection so made, although no such rule of duty obtains in favor of the assured where the inspections are attributable alone to the policy provision for the sole benefit of the insurer, which would leave no ground for a finding of fact that they were understood between the parties to be made and accepted as inspection service for direct benefit to the Brewing Company. But, if so made and accepted as beneficial service, we understand the above-mentioned rule to be applicable as well with or without contract obligation for the service; that it is such making of the inspections, and not obligation on the part of the Insurance Company to make them, upon which the duty of care arises. In this view, we are not impressed with force in the contention on behalf of the Brewing Company that the service was in no sense contractual, nor the contentions on the part of the Insurance Company that the duty, as averred, “was imposed by contract” and ineffectual within the rule, either as purely voluntary, or as a mandatum, within Wharton’s definition (Wharton on Neg. § 482), as a “consensual contract in which one party commissions another to undertake a particular business for him,
This doctrine of duty incurred and of liability for injurious negligence in its performance is of common-law origin, as a rule of public policy not dependent upon contract obligation for the performance, and well supported, as we believe, by the general trend of authorities. For its scope and pertinent examples of its application in various phases of the inquiry, we are content to refer to leading citations from the mass of cases called to our attention and examined for their bearings upon the issue.
The English authorities most frequently cited for the rule are Coggs v. Barnard, 2 Lord Raymond’s Rep. 909 (2 Annas Reginas B. R. 1703); Heaven v. Pander, 11 Queen’s Bench Div. 503; George v. Skiving-ton, 5 Law Rep. Exch. 3; Boorman v. Brown, 3 Queen’s Bench, 843, 850, affirmed House of Lords, 11 Clark & F. 1. The early case of Coggs v. Barnard is of first importance, as the opinion is by a great expositor of the common law, Lord Chief Justice Holt, in reference to gratuitous service extremely petty in character. The opinion thus states the matter in controversy:
“The ease is shortly this: The defendant undertakes to remove goods from one cellar to another, and there lay them down safely, and he managed them so negligently that for want of eare in him some of the goods were spoiled. Upon- not guilty pleaded, there has been a verdict for the plaintiff, and that upon full evidence, the cause being tried before me at Guild Hall, there has been a motion in arrest of judgment that the declaration is insufficient, because the defendant is neither laid down to be a common porter, nor that he is to have any reward for his labor, so that the defendant is not chargeable by his trade, and a private person cannot be charged in an action without a reward.”
These objections are overruled upon consideration of the various sorts of bailments, in which the sixth sort is defined as arising “when there is a delivery of goods or chattels to somebody who is to carry them or do something about them gratis, without any reward for such his work or carriage, which is the present case.” On reference to various authorities, the opinion states that this undertaking obliges the undertaker to a diligent management, and it then proceeds to answer the contention that for want of consideration the undertaking is but nudum pactum, as follows:
“That the owners trusted him with the goods is a sufficient consideration to oblige him to a careful management. Indeed, if the agreement had been executory to carry these brandies from one place to the other such a day, the defendant had not been bound to carry them, but this is a different case, for assumpsit does not only signify a future agreement, but in such a case as this he signifies an actual entry of the thing and talcing the trust upon himself, and, if a man will do that and miscarries in the performance of his trust, an action will lie against him for that, though nobody could have compelled him to do the thing.”
Heaven v. Pander appears to be most frequently cited for the rule of duty, as stated by Brett, Master of the Rolls (afterwards Lord Esher), in the leading opinion, although the report shows that his associates (Cotton, L. J., and Bowen, L. J,) concurred only in the.
“The proposition which these recognized cases suggests, and which is therefore to be deduced from them, is that whenever one person is by circumstances placed in such a position with regard to another that every one of ordinary sense who did think would at once recognize that, if he did not use ordinary care and skill in his conduct with regard to these circumstances, he would cause danger or injury to the person or property of the other, a duty arises to use ordinary care and skill and avoid such danger.”
The opinion is supplemented, however, by the opinion of Cotton, E. J., speaking for himself and for Bowen, E. J., in effect, that all who were engaged in the painting “were there for business in which the dock owner was interested,” and “must be considered as invited by the dock owner to use the dock and all appliances” provided by him, so that in favor of all such persons he “was under obligation to take reasonable care that at the time the appliances * * * were in a fit state to be used”; that this decides the appeal in favor of the plaintiff, “and I am unwilling to concur with the Master of the Rolls in laying down unnecessarily the larger principle which he entertains, inasmuch as there are many cases in which the principle was impliedly negatived” (citing cases). The above-quoted broad statement of the rule, although entitled to consideration as the deliberate expression of a great jurist, cannot have the -force of a precedent therefor. Nor is its adoption needful for any requirement of the instant case, but it remains of interest for the favorable notice received in numerous American authorities.
In George v. Skivington, the opinion is by Kelly, C. B., Barons Piggott and Cleasby concurring. The facts are thus stated:
“The plaintiff purchased a chemical compound as a hail- wash for the use of his wife, which was made up of ingredients known only to .the defendant, and by him represented to be fit and proper to be used for washing the hair, with an express statement that the defendant knew the purpose for which the article was bought. The declaration further alleges that the defendant so unskillfully and negligently and improperly conducted himself in and about*632 selling and malting tlie said compound as to cause tlie damage complained of to tlie wife, and the question is whether an action will lie at the suit of the plaintiff Emma George, her husband being joined for conformity.”
The opinion states that it is unnecessary to enter into the question whether there was a warranty, express or implied, towards the purchaser, “because the contract of sale is only alleged by way of inducement, the cause of action being not upon that contract, but for an injury caused to the wife of the purchaser by reason of an article being sold to him for the use of his wife, and so sold to the defendant’s knowledge, turning out to be unfit for the purpose for which it was bought.” It rules thereupon that there was “a duty on the defendant, the vendor, to use ordinary care in compounding this ‘wash for the hair’ ”; that there was unquestionably such duty toward the purchaser, and “it extends, in my judgment, to the person for whose use the vendor knew the compound was purchased.” Cleasby, B., remarks :
“I tilinte there was a duty imposed upon him to use due and ordinary care, and of the breach of that duty I am of opinion the female plaintiff, who was injured, can take advantage. The two things concur here, negligence and injury flowing therefrom.”
The case of Boorman v. Brown is a leading citation and instructive for the exposition of the duty arising in various forms, either under contract or as a general duty implied by law, with cause of action founded thereon, whether for nonfeasance or misfeasance-discussed chiefly in the Court of Errors, opinion by Tindall, C. ]., but further discussed by Lords Campbell, Brougham, and Cottonham on writ of error to the House of Lords. It was a suit in tort against a broker for alleged neglect of duty in parting with goods of his client without securing payment, and recovery of damages was affirmed. Quotations from the opinions — all founding the duty on contract — are not deemed needful.
In reference to professional services (of physicians and surgeons, attorneys, chemists and the like), requiring skill in their performance, the common-law rule of duty to exercise skill and care in the performance is uniformly recognized in favor of the party served, whether contractual or voluntary (chapter 34, Bishop on Noncontract Law; Savings Bank v. Ward, 100 U. S. 195, 25 L. Ed. 621); and we believe it to be applicable alike to the undertaking for inspection services alleged in the case at bar.
The early lines of American authorities exemplifying and enforcing the rule of duty implied by law are too numerous for any attempt to review them within reasonable limits for this opinion, and reference is therefore made to a few of the more recent cases which impress us to be apt and well considered.
In Van Winkle v. American Steam Boiler Co., 52 N. J. Law, 240, 19 Atl. 472, the unanimous opinion of the Supreme Court by Chief Justice Beasley meets the principal objections urged in opposition to the charge of duty in the instant case upon demurrer to averments of fact which are singularly pertinent. The suit was for recovery against the defendant Insurance Company of damages to adjacent property
The policy of insurance written by the defendant in favor of the Ivanhoe Paper Company (owner of the plant containing the boiler) against explosion damages (which was similar in terms 'to the policy in evidence here) provided only for “the right to make inspection if it pleased so to do,” and, if the insurer had refrained from making inspection, “it would have incurred no responsibility, either to the assured or to the plaintiff.” But it did make “'repeated inspections of the boiler in question,” and furnished certificates thereof for guidance of the assured; and by such course of action “a duty in favor of the assured Was- imposed on the defendant, by operation of the contract itself, to act with ordinary skill and care, both with respect to its inspection and its certificate,” thus becoming “answerable to the assured” for damages “occasioned by the absence of such care and skill.” As the boiler “was a dangerous thing” if not properly handled, it was the duty of the owner to have it properly inspected, and for neglect of such duty he could be held liable for resultant damages to a neighbor’s property through explosion of the boiler. When the Insurance Company entered upon the performance of that duty, it became the substitute for the owner therein, and incurred the above-mentioned responsibility, which “belonged not to the ownership of the machine, but to the function of operating it,” with the duty to exercise care and skill arising in favor of the owner “by virtue of its contract” and in favor of the plaintiff “by virtue of the law.” The liability of the Insurance Company may be defined as well upon the broader ground that when “any person undertakes the performance of an act which, if not done with care and skill, will be highly dangerous to the persons or lives” of others “the law, ipso facto, imposes as a public duty the obligation to exercise such care and skill,” and for nonperformance of such duty resulting in damage to the person or property of another as its obvious product an action will lie.
The common-law rule of duty voluntarily assumed, outside the contract obligations between the parties, and the liability for want of reasonable care and skill in its performance, has frequently arisen and been applied to authorize recovery by a tenant against his landlord for damages caused by negligence of the landlord in making repairs to the leased premises, although the lease imposed no requirement to make them; the cause of action resting “upon the tort feasance of the landlord in undertaking to make repairs and in doing the work negligently.” Gill v. Middleton, 105 Mass. 477, 7 Am. Rep. 548; Gregor y, Cady, 82 Me. 131, 19 Atl. 108, 17 Am. St. Rep. 466; Wertheimer
For other references in various pertinent applications of the rule and discussion thereof, we cite Bishop v. Weber, 139 Mass. 411, 1 N. E. 154, 52 Am. Rep. 715; Torgesen v. Schultz, 192 N. Y. 156, 84 N. E. 956, 18 L. R. A. (N. S.) 726, 127 Am. St. Rep. 894; Flint & Walling Mfg. Co. v. Beckett, 167 Ind. 491, 79 N. E. 503, 12 L. R. A. (N. S.) 924; Boston Woven Hose & Rubber Co. v. Kendall, 178 Mass. 232, 59 N. E. 657, 51 L. R. A. 781, 86 Am. St Rep. 478.
In conformity with the foregoing view of the doctrine of duty applicable to this case, the various assignments of error directed to that branch of the issue must be overruled, and we come to the issues of fact upon the merits of the controversy — the charge of negligence on the part of the defendant, and counter charge of plaintiff’s contributory negligence — under various complaints of error as to evidence received and instructions given and refused. The questions of reliance upon and inspections and mutual understanding in respect thereof are alike issues of fact, but do not require special discussion.
In this undoubted aspect of the issue, no direct proof appears in the record, either that ruptures of any boiler were then discoverable, or that ruptures existed therein at or prior to their last inspection by the defendant, and the finding of liability rests on circumstances offered and received as tending to prove such preexisting condition of the exploded boilers. The force of such evidence, when probative circumstances appear, is well recognized, and from its nature special care is required, both to exclude facts not entitled to consideration, from which unjust inferences may be adopted, and to instruct the jury upon their bearing. We are of opinion therefore that prejudicial error is well assigned in this vital branch of the case in the following particulars :
(2) Experts called on behalf of the plaintiff were interrogated by its counsel upon like assumption of facts that boilers 5 and 6 were “uninjured by the explosion,” and were theretofore cracked as shown ir.. the exhibits, and their testimony so predicated may' well have influenced the finding of the jury. For the reason above stated, the assignments of error in reference thereto — numbered 19, 28, 30, and 31— are sustained.
(3) Embraced in the above-mentioned questions and answers were furtlxer assumptions of fact that excessive and continuous leakage had occurred in the boilers, as specified in the question in conformity with testimony introduced. The questions directed to proving this from the existence of cracks in the boilers are unobjectionable; but assignment 31 reaches a question thus predicated to prove notice to the inspector, through sucli leakage, that ruptures of the boiler shell were indicated thereby. Objection is raised for two reasons: That the question ignores another cause of leakage which appears from the testimony, and that it includes persistent leaks of which the inspector was not advised. We believe the objections to be well founded under the testimony, and that the ruling thereupon must be deemed prejudicial, in view of denial of the instruction requested in reference thereto, as below mentioned.
(4) On behalf of the defendant an instruction was requested, in substance, that if the jury “find from the evidence that defendant’s
“There is evidence in this case tending to show that boilers 1, 2, and 3 were leaking continuously during the week before the explosion, and particularly on the Friday before the explosion, and if you find that these leaks were of such a character that a reasonably prudent engineer in charge of said boilers ought in the exercise of ordinary care to have known that the said boilers were not in the condition in which the same were when inspected by Mr. Bowie on September 19th,- September 4th, and September 11th, respectively, then you are'instructed that such boilers were not being operated at the time that the explosion occurred in reliance upon any inspections thereof made by the defendant, and you must find for the defendant on the first cause of action.” (Assignment 45.)
“It appears in evidence that Bowie last inspected boiler No. 1 on September 19th, boiler No. 2 on September 4th, and boiler No. 3 on September 11th, and boiler No. 4 on October 9th. It also appears that Felber made an interior inspection of two of these boilers, 1, 2, 3, and 4 on October 9th and of two on October 16th, prior to the explosion, and if you find -that there were then cracks in the drums of either boilers 1, 2, or 3, and that said cracks were discoverable by the exercise of ordinary care and by a reasonably prudent man, occupying the same position occupied by Felber and engaged in the same line of business under similar circumstances, and that the cracks so found contributed to produce the explosion, then you will find for the defendant on the first cause of action.” (Assignment 46.)
We are of opinion that these or equivalent instructions were needful and proper, one or both, to enable the jury to understand this important feature of the case; that the instructions which were given, in general terms (assignments 55, 56), were insufficient for such purpose under the complications presented; and that error is well assigned thereupon.
Upon the further issue of understanding between the parties that
The contention on behalf of the defendant that any recovery under the first cause of action is subject to the limitation of $50,000 fixed by the insurance contract, so that it must be dismissed when that sum is allowed under the contract, we believe to be untenable. It is true that the trial court instructed the jury that both causes of action were subject alike to the insurance limitation, but we do not understand the theory upon which such ruling was based. Under our opinion (above stated) of the duty and liability - charged as the first cause of action, both must arise outside the insurance contract, and neither affect its provisions nor can be affected thereby. While there can be no double recovery for the same damages under either charge, recovery of insurance indemnity up to the limit of the contract satisfies the other claim to the extent only of such recovery, leaving any liability in tort applicable for damages suffered beyond the amount so recovered.
The judgment accordingly is reversed, and the cause remanded for a new trial.