Plаintiff (appellee here) brought this suit to recover on a double indemnity policy on the life of Otto Schenkat. The portion of the policy in so far as it is important here is рrinted as it appears in the policy:
“THE
MUTUAL LIFE INSURANCE COMPANY OF NEW YORK
WILL PAY
.......................................... Dollars to the payee of the face amount of Life Insurance Policy No................ in connection with which this Double Indemnity Policy is issued, upon receipt of due proof that the death of the Insured under said Life Insurance Policy resulted from bodily injury effected solely through external, violent, and accidental means, and occurred within ninety days after such injury, all upon the conditions set forth in the paragraph entitled. “Conditions”.
“Conditions. This Double Indemnity Policy will be payable upon receipt оf due proof that, while said Life Insurance Policy and this Double Indemnity Policy are in full force (and, if said Life Insurance Policy be a policy of Endowment Insurance, before the еnd of the endowment period or, if said Life Insurance Policy be a Yearly Renewable Term Policy, before the termination date), said Insured died as a direct result of bodily injury effеcted solely through external, violent, and accidental means, independently and exclusively of all other canses, and of which, except in the case of drowning or asphyxiation, there is evidence by a visible contusion or wound on the exterior of the body, and that such death occurred within ninety days after the date of such injury; provided that this Doublе Indemnity Policy shall not be payable if death resulted from self-destruction, whether sane or insane, or from
Thе facts were stipulated by the parties and are as fellows: The double indemnity policy, which is printed in full on pages 26, 27, and 28 of the printed record, was issued by the appellant on June 23, 1928, on the life of Otto Schenkat, and was in full force and effect on the date of the injury and death of the insured, Otto Schenkat. The full premium had been paid on the policy. It was issued in the state of Wisconsin. The contract of insurance is subject to the statutes of Wisconsin and the laws of the state governing its construction, force, and effect, and the rights оf the parties thereto.
Otto Schenkat, the insured, came to his death August 2, 193.1, by reason of having taken by mistake a quantity of sodium fluoride, a violent poison, without any intent on his part of doing himself harm or injury, but in the mistaken belief that he was taking a harmless remedy—epsom salts.
His death resulted solely by reason of the absorption of such poison into his system and the destructiоn of blood eells.
After having taken the sodium fluoride, he became violently ill, was nauseated, perspired freely, vomited blood; Ms lips and tongue were swollen; lie becamе pale, and later Ms body discolored and showed marked paralysis. His abdomen was rigid, he suffered great pain, and died within three hours after having taken sodium fluoride.
Tho policy оf insurance sued on was approved by the commissioner of insurance of the state of Wisconsin on April 5, 1927.
The double indemnity policy provided for the payment of the stipulated sum upon proof that the insured died as a direct result of bodily injury, of which there is evidence by a visible contusion or wound on the exterior of the body.
At tho conclusion of the triаl, each of the parties moved for a directed verdict. The court directed a verdict for plaintiff and entered judgment on the verdict, and this is assigned as error.
Two questions are presented: First, the effect of tho Wisconsin statute, which is as follows:
Section 204.31 (2): “No such policy shall be so issued or delivered * * *' (6) unless the exceptions of the policy be printed with the same prominence as tho benefits to which they apply, provided, however, that any portion of such policy which purports, by reason of the circumstances under wMch a loss is incurred, to reduce any indemnity promised therein to an amount less than that provided for the same loss occurring under ordinary circumstances, shall be рrinted in bold-faced type and with greater prominence than any other portion of the text of the policy.”
Section 204.31 (9): “A policy issued in violation of this act shall be held valid but shall be construed as provided in this aet and when any provision in such policy is in conflict with any provision of tMs act the rights, duties and obligations of tho insurer, the policyholder and thе beneficiary shall be governed by the provisions of this act.”
The most cursory examination of the part of the policy providing for double indemnity makes it apparent at оnce that the provisions of this statute were violated by appellant. To argue that they are “conditions” instead of “exceptions” is merely an evasion.
The Supremе Court of Wisconsin, in the case of Williams v. Travelers’ Ins. Co.,
“Tho defensive clause not appearing in the policy in manner and form аs required by statute, it is as though it were not there at all. This, in our judgment, is the necessary and reasonable effect to be given subsection 9 of this section 1969 [294.31], which reads as follows: * * *
“If it does not so apply in such a situation ‘ as we have before us, then it seems superfluous. So applied, it gives life to the provisions of the statute which so evidently require that greater рublicity bo given in the policy to the clauses under which the insurer may expect to lessen its payments than to the provisions under which the insured may have hoped and believed his indemnity was fixed.”
Counsel for appellant ealls attention to the fact that in the case of Lundberg v. Interstate B. M. Acc. Ass’n,
In Williams v. Travelers’ Ins. Co., supra, it is said that the opinion in the-Lundberg
Second. Wé hold plaintiff was entitled to recover under' the аdmitted facts in this ease, even though the Wisconsin statute had been complied with by appellant.
The insured died- as a “direct result of bodily injury effected solely through external, violent and accidental means, independently and exclusively of all other causes.” As an evidence of this'the policy required," “and of which * * * there is evidence by a visible cоntusion or wound on' the exterior of the body.”1 We hold that this evidence was present. ■
From the brief statement of faet, after insured had 'through accident taken the poison from whiсh he died, the .stipulation of fact recites, “that death resulted solely by reason of the absorption of such poison into the system, and the destruction: of blood cells;” .that the poison produced these effects : Insured became violently . ill; was nauseated; perspired freely; vomited blood; lips and tongue swollen; became pale; body. discolored; marked paralysis; abdomen rigid; suffered great pain; and died three hours after the accidental taking of the sodium fluoride, a violent poison.
The word - “contusiоn” and the word “wound” havfe both been given various definitions. Illustrative of this is Thompson v. Loyal Prot. Ass’n,
“ ‘In legal medicine the word “wounds” means injuries of every description that affect either the hard or soft parts of the body, and it comprehends bruises, eontu'sions, fractures, luxations, etc. In law the word means any lesion of the body.’ * * *
“The policy distinguishes between contusions аnd wounds, and includes both. The definition of ‘wounds’ given by the court was a correct one. It is authorized by. 4 Cooley’s Bfs. on Law of Insurance, p. 3185; Black’s Law Dic. p. 1245; Bouvier’s Law Dic. [p. 1247]; State v. Owen,
Illustrative on the same question are: Robinson v. Mason. Prot. Ass’n,
Appellee has raised some question with reference to the pleading. The point is not well taken, and, in view of the opinion expressed, it is unnecessary to enter into a discussion of this question.
Affirmed.