34 Wis. 363 | Wis. | 1874
I. The first exception relied on for a reversal of the judgment is to the ruling of the court in admitting in evidence the letter purporting to have been written by Holland, superintendent of the defendant company, to its agents in Oshkosh, in respect to the loss. It was claimed in the court below, and the point is urged here, that there was no sufficient proof of the handwriting or signature of Holland to entitle the letter to be received in evidence. We deem this position clearly unsupported by the record. The witness Berry, who testified that he was the state agent of the company, said that he knew Holland, and had had correspondence with him; and thought the signature to the letter was genuine. He added that he knew nothing about the handwriting of Holland except from knowledge he had derived from correspondence with him for a year and a half upon business of the company. This is the substance of his testimony. And it was sufficient proof of the genuineness of the letter in question to entitle it to be received in evidence. This letter of Holland acknowledges the receipt of a report of Berry in respect to the claim of the assured under the policy in suit, and affords the strongest presumption, arising from the business correspondence, that it was written, or authorized to be written, by him. 1 Greenl. Ev., secs. 573 and 577.
II. The letter of Holland being admissible in evidence, it follows that there was no error in denying the motion for a non-suit on the ground that the plaintiffs had failed to make proper
III.. Another exception relied on is that taken to the ruling of the court in sustaining the objection to the question asked the witness Janes. This witness was the local agent to whom the plaintiffs applied for insurance. An application was made, which, it appears, was filled up in part by the plaintiffs, and partly by the agent on his own knowledge. The policy was issued to “ Parker & Smith ; ” and the complaint alleged, and the proof on the part of the plaintiffs was, that the firm was composed of Frank L. Parker, and Betsey L. Smith, and that they were the owners of the property insured. The policy referred to an application and survey No. 9719, as constituting a part of the contract and a warranty by the assured. There was, however, no application which corresponded with that number; but one was offered in evidence, No. 9716. In this application the owners of the property insured were stated to be Frank Parker and A. B. Smith, the husband of Betsey L.; and Janes was asked whether the policy sued on was issued on this application, for the evident purpose of showing that there was a false representation in regard to the ownership of the property, and thus defeat a recovery. This question was objected to, and ruled out, as we think, properly under the facts of the case. For the positive and uncontradicted evidence shows that neither Parker nor A. B. Smith, nor any other person authorized to
IY. It is insisted that it was error to exclude the question asked the witness A. B. Smith about what extra insurance there was upon the property besides the defendant’s policy, at the time the loss occurred. If there was any error in excluding the question in the first instance, it was cured by the witness fully answering it at a subsequent stage of the trial.
Y. The court, at the request of the defendant, charged that if the jury should find from the evidence that Parker and A. B. Smith falsely represented to the company that they constituted the firm of Parker & Smith, and that they were the owners of the property, and that the contract was entered into upon the faith and credit of such representation, when in fact Smith was not a member of the firm, and had no interest in the property, or that they misrepesented that Smith was a part owner, then there could be no recovery. The court was further asked to instruct the jury, that if they found there had
We have already observed that all proofs of loss must be regarded as unnecessary, in view of the letter of Holland, which denied the liability of the company on other grounds, stated by him. This disposes of the exception taken to the refusal of the court to give the second instruction asked by the defendant.
By the Court.— The judgment of the circuit court is affirmed.