100 Me. 523 | Me. | 1905
This is an action on the case upon a policy of life insurance. .The deceased made an application for a policy for $1000 in the defendant company which was dated October 18, 1902, followed by a medical examination the same day. This application was filled out by an agent of the company in the presence of the deceased from information furnished by him and was then signed by him and witnessed by the agent. The company declined to write a policy on the class applied for but intimated that it would write one of a different class to the amount of $500. Upon this information Robert Hewey, the deceased, signed a new application on the 8th day of November, 1902, in which the answers to the questions had not been filled in, and delivered it in this condition to the agent of the defendant company with the understanding that the agent should
“6. A. Name and residence of your usual medical attendant. Dr. H. H. Cleveland. 6. B. When and for what have his services been required? 9 mos. ago. “Cold.” “7. Have you consulted any other physician? If so, when and for what? No, exc. as in No. 3.” No. 3 referred to is as follows: “3. Give full particulars of any illness you may have had since childhood and name of medical attendant or attendants. Grippe 4 yrs. ago. Dr. J. A. Leader.” The second application contained the following: “5. The following is the name of the physician who last attended me, the date of the attendance, and name of the complaint for which he attended me. Dr. Cleveland. Feb. 1902. Grippe.” “6. I have not been under
Dr. Cleveland testified that he treated the deceased in the winter of 1902 at Hewey’s home for a bad cold or grippe. He also testified that subsequent to this treatment and prior to the making of the first application, on October 18, 1902, he treated Hewey at his office for liver disease. The defendant contended that the answers to questions 5 and 6 in the second application were fully authorized by the statements made by Hewey in answer to questions 6 and 7 in the first application and that the facts testified to by Dr. Cleveland, if true, constituted a breach of the warranty contained in the second application as to the truth of the facts therein stated. The plaintiff contended that the answers to questions 5 and 6 in the second application were not authorized by the facts stated in the first application and hence were not the answers of the deceased and were not binding upon him or upon this plaintiff.
Upon the comparative identity in meaning of the two applications, the court having analyzed them charged the jury as follows: “I think gentlemen, upon comparing these two applications, I shall instruct you thus: — If you find it to be true as Mrs. Hewey says, that that answer with the others was agreed to be filled in from the old application and if having the old application, they attempted to fill it in from that, but filled it in in the way which they did, that it was- an unauthorized answer, that is to say, there is nothing in the former application with reference to Dr. Cleveland which made this answer true or proper and therefore it was not his answer. It was the answer which the agent put in.” The answer referred to by the court was number 5 in the second application.
It is to this instruction that the answers in the second application are not warranted from those contained in the first that the defendants particularly object and say, “The court should have instructed the jury that the answers in the second application were fully authorized from those made in the first and that if they were untrue, the plaintiff could not recover.” In this class of cases we think it a sound rule of law that an application for life insurance, signed in blank by one desiring insurance and filled in by the company or its agents,
In the second application the applicant is made to say, Dr. Cleveland was the physician who last attended him, the date was February 9, 1902, and the complaint for which he attended him was grippe; — also that he had not been under the care of any physician within two years unless as stated in the previous answer.
Now the defendants contend that by the observance of the proper rules of logic to their interpretation the two applications mean precisely the same thing. They say that the first application shows that Dr. Cleveland attended the applicant in 1902 and was the only physician that had attended him for four years.as stated in No. 3; if he was the only physician he must necessarily have been the last one, as stated in the second application. Also that the answer numbered
But the logical conclusions are not necessarily true. A different conclusion may also be drawn. In the first application he says he has not consulted any physician, In the second, filled in by the agent, he is made to say: I have not been under the care of any other physician, etc. “Consulting” a physician and being “under the care” of a physician, not only in the technical use of the terms but to the common mind may mean very different things. A man may consult a physician without ever being' under his care at all. To consult is defined “to apply to for direction or information; “ask the advice of; as-to consult a lawyer, to discuss something together; to deliberate.” Care is defined, “responsibility, charge or oversight, watchful regard and attention.” Hence the first answer might, in the mind of the applicant, be correct, and the second one not. We think the most that can be said with respect to the identity of the two applications is that if the applicant had read or been personally interrogated with respect to the questions and answers in the second application, he might have answered the same as he did in the first and he might have answered in an entirely different way. The answers in the second application cannot therefore be said to be such necessary inferences from those contained in the first as to be regarded as the statement of the applicant and therefore binding upon him. In order to defeat the claim of the person insured, who has paid the consideration required for the insurance received, upon the ground that the insured made misrepresentations as to the risk in his application, it is incumbent upon the company to show that the misrepresentations were his and not mistakes or misrepresentations of its own. When an
Exceptions overruled.