Kimball v. New York Life Insurance, 94 Vt. 100

Kimball v. New York Life Insurance

94 Vt. 100 | Vt. | 1920

Miles, J.

This action is brought to recover upon an insurance policy. The case was tried by the .court at the March Term of the Chittenden county court, 1919. Upon the trial the defendant admitted the execution of the policy and its delivery, the death of the insured, and that proof of the same was made according to the terms of the policy and the rules and regulations of the company; but objected to the admission of the indorsement upon the policy, which extended the life of the policy beyond the death of the insured. The plaintiff then produced evidence of its execution and the same was received without objection. The defendant then offered to show that the indorsement extended the life of the policy beyond the date to which the insured was entitled under the terms of the policy, and that in fact the policy hád expired at the time of the death of the insured, and was at that time not in force. The offer was excluded subject to the defendant’s exception, and judgment was rendered for the plaintiff to recover of the defendant $1,765.18 damages and costs.

With the concessions made upon the trial, all that was necessary for the plaintiff to prove in order to entitle him to recover was that the policy was in force at the time of the. death of the insured. To establish this fact the plaintiff relies wholly *102upon the indorsement, and while he does not deny that the offered proof would defeat his right to recover, if received and believed, he contends that it is not admissible because it was offered in cross-examination, and that no error was committed by the court in excluding it at that time.

[1] The case clearly shows that the excluded evidence was offered, not only as cross-examination, but also as a matter of right to contradict the force of the indorsement and to show the character of the extended insurance to which the policy was in fact entitled. But whether it was so offered is of no consequence. The course of the trial was such as fairly to show that the counsel and court undertook to get at the matter in ah informal way without regard to the pleadings or 'regular course of procedure, so as to send the case to the Supreme Court on the merits alone. They treated the case as though the pleadings covered any phase of it that might arise, and the court sent up the question of the admissibility of the evidence offered and nothing else.

[2] The plaintiff also contends that the offered evidence was not admissible, because we held in the case when it was before us on the appeal in chancery, that the mistake could not be corrected in that proceeding. But the plaintiff misconstrues the holding in that decision. The question there raised was, not whether the evidence now offered would constitute a defence to the plaintiff’s present claim, but whether there was any equity in the bill, and we held that the bill disclosed no facts that entitled the defendant to equitable relief. It was not held that the policy "was in force at the time of the death of the insured; but it was merely held that the indorsement was not a contract, that it was unilateral, and the mistake alleged lacked mutuality and was made through the company’s negligence. It was not there decided that the company could not contradict the indorsement in an action at law, nor was it intimated that the company did not have an adequate remedy ah law.

[3] The indorsement is not a contract' and is nothing more than an admission. It has no more force in evidence than it would have had if it had been upon a separate piece of paper referring to the policy, or had been a letter sent to the insured. It is not provided for nor required by the policy. It is in the same class with a receipt for money. The policy provides the term of extended insurance and requires no indorsement upon *103it to give effect to that provision. The insurance company could properly be allowed to explain or contradict it, unless by its conduct and reliance thereon by the insured it was estopped from so doing. No estoppel being presented by the record, no question is presented for consideration in that regard. Brown v. Mudgett, 40 Vt. 68; Lockwood v. White, 65 Vt. 466, 26 Atl. 639.

[4] The plaintiff further claims that the decision in the chancery case established the law of the case. But that is not so. A judgment that is not in rem is never conclusive except upon the very matter in judgment and between the same parties or their privies, either in blood or estate. Nason v. Blaisdell, 12 Vt. 165, 36 Am. Dec. 331. The very question here raised was not decided in the chancery case. So much of the offered evidence as tended to meet and explain the indorsement and show that the policy had expired before the death of the insured was admissible, and it was error to exclude it.

Judgment reversed, and cause remanded