29 N.Y.S. 513 | N.Y. Sup. Ct. | 1894
This action was brought to recover upon an insurance policy the loss sustained by a fire. The policy was dated the 28th day of January, 1892, and was issued by one Fallmer, the defendant’s agent, upon personal property situated in Le Roy, which was destroyed by fire on the 9 th day of February thereafter. The answer admitted the allegations of the complaint, but alleged as a defense that at the time the policy of insurance was issued the property insured was incumbered by a chattel mortgage given by the plaintiff to one McKay to secure $350. Upon the trial the defendant assumed the affirmative, and gave evidence of the existence of the mortgage. The plaintiff then gave evidence tending to show that Fallmer, the defendant’s agent, knew of the existence of the mortgage, and that plaintiff, on the day upon which the policy is dated, deposited in Lathrop’s Bank, at Le Roy, the money with which to pay the mortgage in full, and then notified Falkner that he had done so, and that the mortgage was held in Geneseo, and that the money would have to be sent to that place before the mortgage could be paid; that Falkner then informed him that, if he had deposited the money in the bank, he would insure him from noon of that day. It also was made to appear that the money was in fact deposited as stated by the plaintiff; that it was received by one Doty, the agent of the mortgagee, on the :3d day of February thereafter, who on that day executed a satisfaction of the mortgage. On behalf of the defendant, Falkner was sworn as a witness, and stated that plaintiff called upon him, •and made application for insurance, a few days before the 28th, and that he told him that he could not insure the property, if it were covered by a chattel mortgage; that the plaintiff then replied, “I am all clear now, or at least I have money in the bank to pay it, and it will be paid immediately;” that he saw the plaintiff again in reference to the policies before they were issued; that he came to the office, and wanted to know why they had not been issued; and that the witness then told him he would issue them immediately. This conversation was about two days after the first.. At the close of the evidence the defendant’s counsel asked the court to direct a verdict for the defendant upon the ground that at the time the policy was issued the property was incumbered by a chattel mortgage. This motion was denied. Thereupon, the plaintiff’s counsel asked the court to direct a verdict in his favor for the amount due under the policy, and this motion was
Tim parties having united in asking the court to direct a verdict, each is deemed to have agreed that the facts might be determined by the court; and, if there is any evidence to uphold the decision, it will be sustained. Dillon v. Cockroft, 90 N. Y. 649; Mayer v. Dean, 115 N. Y. 556, 22 N. E. 261; Baylies, Tr. Pr. 230. The finding of the trial court was in accordance with the testimony of the plaintiff, and it is therefore supported by evidence. It is true that the defendant, after asking for a direction of a verdict, upon being refused, had the right to request the court to submit specific questions of fact to the jury; but this should have been done before the court finally disposed of the case by directing a verdict in favor of the plaintiff. But, assuming that the request was made in time, we are inclined to the view that there is not such a variance between the testimony of the plaintiff and Falkner as to require a new trial. It appears from the testimony of Falkner that he knew of the existence of the mortgage; that money bad been deposited in the bank for its payment. This he knew on the occasion of the plaintiff’s application to him for insurance. He states that nothing was said in reference to the mortgage on the day on which he issued the policy. He therefore issued the policy without knowing or inquiring as to whether the mortgage had ■actually been paid or discharged. We discover nothing in his testimony that is in conflict with the testimony of the plaintiff, who states, a little more in detail, that the money had been deposited in the bank, that it had to be sent to G-eneseo in order to make the payment, and that the payment would be made as soon as possible; and, according to the plaintiff’s recollection, this was ■satisfactory to Falkner, who stated that he would make the insurance from noon of that day. Upon these facts, we think there can be no doubt but that there was a waiver of the provisions of the policy making it void if the property was incumbered by mortgage. Berry v. Insurance Co., 132 N. Y. 49, 30 N. E. 254; Cross v. Insurance Co., 132 N. Y. 133, 30 N. E. 390; Woodruff v. Insurance Co., 83 N. Y. 134; Van Schoick v. Insurance Co., 68 N. Y. 43; Forward v. Insurance Co. (Sup.) 21 N. Y. Supp. 664. The defer. J-ant’s motion for a new trial should be denied, with costs, and judgment ordered for the plaintiff upon the verdict. All concur.