78 Neb. 295 | Neb. | 1907
The defendant has appealed from a judgment in favor of the plaintiff in an action on a life insurance certificate. The appeal involves two questions: First, that the action is prematurely brought; and, second, that the evidence is insufficient to sustain the judgment.
The defendant is a fraternal association With its head
Provisions somewhat similar in the fundamental laws of other fraternal societies have been sustained, notably by the courts of Michigan; but these decisions are not in harmony with the holdings of this court. The laws of fraternal and mutual societies should be reasonable, and not contrary to public policy. To pursue the remedy provided by the laws of the defendant would require probably three, and possibly four, years to present the claim finally to its “Supreme Court,” and for the purpose of the appeal, perhaps, to follow that body into a foreign land, a course that practically amounts to a denial of justice. The provisions are not only unreasonable in substance, but more so in the length of time and expense involved in following them to the legitimate end. The collection of indemnity provided by life insurance should be a speedy and simple process, and it is a praiseworthy fact that most life insurance societies are constantly simplifying
The' provisions of the laws of the defendant society with reference to the finality of its own adjudications involve a principle not unlike that of some insurance so defies which provide a method of' arbitration. Such pro visions have been by this court uniformly, held to be void as against public policy, the effect being to deprive courts of their legitimate jurisdiction. German-American Ins. Co. v. Etherton, 25 Neb. 505; Union Ins. Co. v. Barwick, 36 Neb. 223; Home Fire. Ins. Co. v. Bean, 42 Neb. 537; National M. A. Ass'n v. Burr, 44 Neb. 256. In justice to counsel for appellant we should say that he does not contend that resort might not be had to the courts after the claimant had exhausted her remedy within the order, but after three or four years spent in a fruitless pursuit of the defendant through the operation of its own machinery, followed by the delays incident to an action at law, but lit-tle would be left of the $1,000 certificate involved to reward the widow, if in fact she lived to see the end.
Before leaving that branch of the case it would not be amiss, perhaps, to suggest that the denial of liability might well be held to be a waiver of the defense of the failure to appeal. Wuerfler v. Trustees of Grand Grove, W. O. D., 116 Wis. 19.
The question of the sufficiency of the evidence arises over a dispute as to whether the death of the deceased was accidental or Avas caused by his own acts with suicidal intent. It is not disputed that his death resulted from a gun-shot Avound inflicted in the forehead Avhile in his oAvn bedroom. The explosion of the gun aroused his Avife and children, aaTlo Avere in the kitchen preparing breakfast. They went to the bedroom, Avhere he was found sitting in a low rocking chair with a gun, a 22-calibre rifle, between his knees, his arms folded across it on his breast. The circumstances testified to by witnesses were
The admissibility of Markham’s statements, however, is. assailed. We think, by reason of the facts already stated, that they were properly admitted for two reasons: First, because they appear to be the spontaneous statement of the injured man as soon as he regained consciousness; and, second, because they were made after his condition had been explained to him by the physician and with the knowledge of impending death. The weight to be given to this evidence was a question for the jury.
By the Court: For the reasons stated in- the foregoing opinion, the judgment of the district court is
Affirmed.