190 Pa. 536 | Pa. | 1899
Opinion by
The insurance was upon the plaintiff’s stock of merchandise in a building occupied as a dwelling house and store. It was solicited by the representative of the defendant company which furnished the application for it and required him to sign his name to it as agent. He inspected the building and stock of merchandise contained in it. He also wrote into the application what purported to he the plaintiff’s answers to the questions propounded therein. As agent of the company he witnessed the signature of the plaintiff’ to it and made the indorsement upon it. The application was approved by the company and a policy of insurance was issued thereon. All of the assessments made upon it were promptly paid by the plaintiff when called for. The policy was issued on the 8th of November, 1894, and the property covered by it was destroyed or damaged by fire on the 12th of January, 1897. The company denied its liability for any portion of the loss occasioned by the fire, and refused to make any payment to tlie plaintiff on account of it. Tbe principal grounds of its refusal were, (a) that there was no written certificate evidencing the appointment of Haldeman as its agent, and (&) that there were inaccuracies in the answers to questions one, four, five and thirteen in the application.
The principal material used in the construction of the building in which the stock of merchandise was stored was brick.
The answers to the defendant’s second and seventh points were unobjectionable. The points related to the thirteenth question in the application and the reply to it. The question was : “Do you keep merchandise and sale accounts ? ” and the answer was, “ Yes.” On the trial the plaintiff testified that he kept such accounts before and after the application but not at the time of the fire. The court held that it was for the jury to determine from the evidence whether the answer to the question was true. In this there was no error.
An affirmance of the defendant’s third point would have constituted clear error, and it was properly refused.
The defendant has no cause to complain of the answer to its fourth point which was substantially in accord with the instruction solicited.
The court below declined to affirm the defendant’s fifth, sixth and tenth points, which were intended to support and emphasize the contention that Haldeman was not the agent of the insurance company. They were to the effect that as he was not authorized in writing to represent the company in the transaction of any part of its business pertaining to insurance, he was not its agent, although his services in its interest were directed entirely to the advancement of its insurance business. We
Judgment affirmed.