123 Iowa 533 | Iowa | 1904
The plaintiff made a written application for fire insurance upon her property, which she claims was received and accepted by the defendant. No policy was issued her, and about a month after she made the application her property burned. The controlling question in the case is whether the proposal for insurance contained in the plaintiff’s application was accepted by the defendant. If it was, there was a meeting of the minds of the parties, and a valid contract of insurance, which will be enforced, though no policy issued. Smith v. The State Insurance Co., 64 Iowa, 716; The City of Davenport v. The Peoria Marine & Fire Insurance Co., 17 Iowa, 276.
The application was made through the defendant’s local agent. The testimony tends to prove that it ivas usual for him to report premiums collected, and remit therefor, at the' end of each month, and that he paid to the defendant the agreed premium for this insurance. If this Avas true, as the jury would have been justified in believing that it was, it matters not that the plaintiff settled the premium with the agent by crediting him with the amount thereof. While it is true, as a general proposition, that an agent may not accept property in lieu of cash for the premium without express authority to do so, it is equally as true that, when he actually pays the premium in cash to the insurer, it ends the matter, so far as the insurer is concerned. There was therefore no error in refusing to strike the evidence relating to the payment of the premium.
Complaint is made of some of the instructions given, and because of the refusal to give those asked by the defendant. The instructions given were correct, and could not well have been misunderstood by the jury, and those asked were fairly covered by the ones given.
We find no error in the record, and the judgment is AEEIRMED.