29 Ga. App. 90 | Ga. Ct. App. | 1922
The plaintiff sued, on account of the loss by fire of his automobile, for the face value of an insurance policy containing the following provisions: “Notice and proof of loss. In the event of loss or damage, the assured shall forthwith give
“Protection of salvage. Any act of the assured or this company or its agent in recovering, saving and preserving the property described herein in- case of loss or damage, shall be considered as done for the benefit of all concerned and without prejudice to the rights of either party. . . ”
“ This policy is made and accepted subject to the provisions, exclusions, conditions and warranties set forth here or endorsed hereon together with such other provisions, exclusions, conditions or warranties as may be endorsed hereon or added hereto, and upon acceptance of this policy the assured agrees that its terms embody all agreements then existing between himself and the company, or any of its agents relating to the insurance described herein, and no officer, agent or other representative of this company shall have the power to waive any of the terms of this policy unless such waiver be written upon or attached hereto. . . ”
The petition as amended alleges that after the fire, on July 24, 1920, the defendant sent an adjuster who took charge of the remains of the machine and held them for several weeks; that on August 25, 1920, plaintiff’s attorney mailed to the defendant’s local agents who issued the policy a letter to the effect that the automobile had been destroyed, that their adjuster had made an investigation on July 25, and that, if they were disposed to adjust the claim amicably, they should advise the attorney by return mail; and that “ the representative of said company, namely, W. M. Coney, of W. M. Coney & Co., agents, rejected the claim of $700 on or about August 20, 1920, within 30 days from the said loss, telling petitioner that the company would not pay the
It is not necessary to add anything further to the headnote.
Judgment reversed.