187 Wis. 25 | Wis. | 1925
The defendant claims that a proper notice was not given to it and therefore it is not liable. The policy required that notice be given “To the company at Green Bay, Wisconsin, or to any authorized agent of the company
“(5) A standard provision relative to sufficiency of notice of claim which shall be in one of the following forms and in which the insurer shall insert in the blank space such office and its location as it may desire to designate for such purpose of notice:
“(A) : — (5) Such notice given by or in behalf of the insured or beneficiary, as the case may be, to the insurer at -, or to any authorized agent of the insurer, with particulars sufficient to identify the insured, shall be deemed to be notice to the insurer. ...”
“(B): — (5) The foregoing paragraph may be changed by inserting in lieu of the words ‘any authorized agent of the insurer’ the following: ‘-, agent of the insurer at •-,’ and by filling the blank before the word ‘agent’ with a designation or name of an agent, and by filling the blank after the word ‘at’ with a postoffice address, both to be sufficient to assure the delivery of mail to such agent.”
The claim is that the policy complied with the terms of the statute as to giving notice to an agent of the insurer at Green Bay, Wisconsin, and therefore the insured must comply with the method of notice designated in the policy. The alternative notice provided for in the policy differs from the alternative statutory form in that it does not designate the name of the agent at Green Bay to whom notice is to be given. Its failure so to do is material and renders the alternative provision of the policy void. Hence it must be treated as though it contained no alternative mode of service, and the insured could therefore give a valid notice by giving notice to any “authorized agent” of the insurer, which he did by giving notice to Beers, its agent at Sun Prairie. The notice ‘given was sufficient.
It is further claimed by the defendant that since the plaintiff was suffering from rheumatism his period of compensation is limited to one month as provided for in paragraph H of the policy. This paragraph is an exception to the general sick benefit provided for in paragraph F of the
The only other question raised is whether or not a chiropractor is a “legally qualified physician” within the meaning of the policy. It is clear that the parties to an insurance policy have a right to limit or qualify the terms of the contract in any manner not inconsistent with the conditions of the standard form or contrary to public policy. Reeves v. Midland Cos. Co. 170 Wis. 370, 174 N. W. 475. It was therefore proper for the insurance company to require as a condition of the payment of the sick benefit that the insured should be attended by “a legally .qualified physician,” and that if the insured, failed to avail himself of such services the company would be excused from paying the sick benefit. So the question for solution is whether or not a chiropractor is “a legally qualified physician” within the meaning of the policy. Plaintiff contends that, since sec. 147.07 permits reputable chiropractors to practice their profession without license or registration, they are legally qualified physicians within the meaning of the terms of the policy. The fact that certain restrictions are placed upon their practice, it is claimed, does not prevent them from being classed as legally qualified physicians. It is also urged that though they specialize they are nevertheless legally qualified physicians, as much so as those who specialize in the treatment of the eyes, ears, nose, and throat, and that since these would not be disqualified under the term “legally qualified physicians”
By the Court. — Ordered accordingly.