33 Ga. App. 59 | Ga. Ct. App. | 1924
This is' a suit upon an accident policy. The policy was dated March 28, 1921, and recited that the insured was insured from 12 o’clock noon on that day until 12 o’clock noon of May 1, 1921, and for such further periods stated in 'the renewal receipts as the renewal premium of $3.72 per month paid by the
The undisputed evidence showed that the policy was not delivered to the insured until April 4, 1921, when the first monthly premium was paid. The undisputed evidence further showed payments of the monthly premiums on May 2, 1921, June 8, 1921, July 2, 1921, August 2, 1921, and September 6, 1921, and that the insured was injured by an accident on September 3, 1921. There being a conflict between the provisions of the policy as to when the insurance became of force, the provisions most favorable to the insured must control, and, under this ruling and the facts of the case, we hold that the insurance did not take effect until the fourth day of April, 1921, and that each premium paid by the insured purchased one month’s insurance, so that the premium paid on August 2, 1921, continued the policy in force until September 4, 1921, and the insurance had not lapsed on the third day of that month when the insured was accidentally injured. Stout v. Missouri &c. Co. (Mo. App.), 179 S. W. 993 (3); Halsey v. American &c. Ins. Co., 258 Mo. 659 (1) (167 S. W. 951); Stramback v. Fidelity &c. Ins. Co., 94 Minn. 281 (102 N. W. 731). It follows
Judgment reversed.