32 Iowa 421 | Iowa | 1871
The material errors alleged will be briefly considered.
1. An examination of the abstract fails to discover any notice or proof of the loss. Appellee, however, insists that the allegation of notice and proof in the petition is not, by the answer, denied. ' In this he is mistaken. The answer denies generally every allegation not admitted, and this one is not admitted. The policy contains a stipulation that the loss shall be paid within sixty days after due notice or proof thereof. Under such stipulation, the plaintiff’s case is not made out without such proof. See 2 Phillips on Insurance, § 2150, and cases cited.
2. The objection that the evidence does not show that plaintiff ever had any insurable interest in the property is not well taken. The evidence shows that Thompson & Co. erected the building, and, by clear inference at least, that they owned it at the time of effecting the insurance. The assignment of the policy subrogated plaintiff to the right of the assured to recover the amount of loss sustained.
3. Upon the objection that the evidence does not show any consent in writing to the assignment of the policy, we are referred to the abstract where the consent is printed in full but without signature.
Appellee claims that the signature appears to the eon-
The same remark applies to the next question: “ How are risks of insurance, upon saloons, rated in comparison with other risks ? ” which, so far as applicable to this case, was fully covered by the evidence which was admitted, “ that a risk of a saloon is regarded as more hazardous than that of a paint shop.” The remaining question, of the exclusion of which defendant complains, is.as follows: “ Erom your experience and knowledge, as an insurance agent, would the risk be increased or lessened by the change of occupation, from that of a paint shop to a saloon ?” This question was objected to and excluded upon the ground that there had been no evidence of such change. It might well have been admitted. There was proof that the building was rented for a saloon, and that the lessees had commenced moving the ordinary accompaniments of a saloon into it. Under such circumstances, the effect of such change of use should have been left to the jury, and they should have been allowed to say whether the risk had been increased. Still, in view of the other evidence admitted, it does not seem to us that defendant was materi
Tbe question, however, has recently been considered in tbe supreme court of tbe Enited States, and it has been beld by tbat tribunal tbat tbe act of congress which requires promissory notes and other instruments to be stamped, only declares tbat they shall be deemed invalid and of no effect wben tbe stamp is omitted with intent to evade tbe provisions of tbe act; tbat is, with intent to defraud tbe government of tbe stamp duty. Campbell v. Wilcox, supreme court of tbe Enited States, December Term, 1870. Western Jurist, vol. 5, page 207.
In construing tbe force and effect of an act ol congress, tbe supreme court of tbe Enited States is tbe highest and most authoritative tribunal known to our laws, and to it other courts habitually defer. Decisions of tbat court on tbe meaning of an act of congress override those of tbe supreme court of a State on tbe same subject. See McGoon et al. v. Shiek, supreme court of Illinois, Western Jurist, vol. 5, 163 (166). Tbe decision cited is in conflict with tbe former decisions of this court, and must be regarded as declaring tbe law applicable, to this case.
As it does not appear tbat there, was any fraudulent intent in tbe omission to properly stamp tbe assignment referred to, it follows tbat tbe court did not err in admitting it in evidence.
Under this assignment it is next urged that the court erred in instructing the jury.
1. That “the plaintiff had an insurable interest in the property.”
2. That “ the plaintiff is entitled to your verdict, unless he increased or permitted the risk to he increased beyond that which was assumed by the defendant when it insured the building.” The first instruction is not strictly correct, as the plaintiff had no interest in the building at the time of the insurance, and had acquired none at the time of the loss. It was probably the intention of the court to charge that Thompson & Co., the assured, had an insurable interest. And even this instruction is of doubtful propriety. The proper course is to leave the question of interest to be determined as a fact by the jury under proper instructions.
Eor the errors above named, the judgment must be reversed and the cause remanded.
Reversed.