Pacific Mut. Life Ins. Co. of California v. Brooks

14 F.2d 307 | 8th Cir. | 1926

WOODROUGH, District Judge.

This is an action by the beneficiary in an accident insurance policy issued to one George S. Brooks, who came to his death, while the policy was in force, as the direct result of a gunshot wound inflicted upon him. The insurance company claims that the insured committed suicide, and that the whole evidence in the ease, although circumstantial, is inconsistent with any other ‘ reasonable hypothesis. Error is complained of in the refusal of the trial court to give a peremptory instruction to that effect. The jury, having been properly instructed that the burden of proof was upon plaintiff to prove accidental death within the provisions of the policy, found the issue against defendant, and judgment was rendered accordingly.

Counsel for plaintiff in error have presented both orally and in their briefs an elaborate and painstaking analysis of the evidence from the plaintiff’s viewpoint, and this court must admit in this case, as it did in Travelers’ Insurance Co. v. Allen, 237 F. 78, 150 C. C. A. 280, that in the opinion of the judges “the evidence as a whole pointed quite strongly to suicide.” The detailed statements of the evidence in the briefs of the respective parties necessarily covers many pages, and to reiterate it would unduly extend this opinion.

Suffice it to say there was no direct testimony as to how the fatal shot came to be fired; there was no evidence of any word or act of the insured beforehand indicating suicidal inclination or intent on his partj nor any unequivocal admission by him to that effect during the period of consciousness after the shot was fired. The insured ran an errand for his wife to the grocery store, and on his way home chatted with a neighbor about taking a trip, joked with his son as he entered the kitchen of his house, mounted the stairs leading to his sleeping chamber, all the time appearing quite normal, and in a few minutes the shot was heard and he was found mortally wounded but retaining consciousness for some minutes. Theré is expert testimony to show that the automatic Winchester shotgun from which the shot came, and which belonged to Mr. Brooks, was'not at all dangerous in the hands of a man used to handling it, as he undoubtedly was. A physical demonstration - was made on the argument before this court of the ease with which Mr. Brooks could have intentionally discharged the load of the gun into his body by pressing upon the trigger with his toe, and also the many safety features of the gun which would tend to prevent the result from occurring accidentally, but still the chance of accident remained, and on the whole ease it was for the jury to determine the issue of fact. Its determination in favor of the beneficiary is not without some substantial support in the testimony. The judgment is affirmed.