299 Mass. 42 | Mass. | 1937
Wilkins Taylor had a policy of accident insurance issued" by the defendant. His wife was the beneficiary in the event of death, and the plaintiff is the administrator of her estate. On May 16, 1932, the insured fell on stairs in a house at 1489 Washington Street in Boston, breaking some bones, and thereafter remained in the hospital until he died on June 21, 1932. There was evidence that death was the direct result of the fall. Subject to the exception of the defendant, the judge denied a motion for a directed verdict in its favor, and the jury returned a verdict for the plaintiff.
The only question argued is whether there was evidence of compliance with the provision of the policy which required that “notice of such accident shall be given in writing with full particulars to the Home Office or to a duly authorized agent of the Company, in the city, town or county in which the insured shall reside at the time of giving such notice, within twenty days from date of such accident, or immediately in case of accidental death, provided such notices are reasonably possible.” The parties appear to assume that compliance with this provision is a condition of liability under the policy, and we make the same assumption.
In this contention the defendant relies on Hatch v. United States Casualty Co. 197 Mass. 101, and Wilcox v. Massachusetts Protective Association, Inc. 266 Mass. 230. In the former it was held that under a policy requiring “notice of the injury” within “ten days of the event causing zsuch injury” (page 102), notice of the death is insufficient without a seasonable notice of the apparently harmless accident which was the "event causing such injury." In the latter the policy provided that written notice of injury on which claim might be based must be given to the company within twenty days after the accident causing such injury, and in a separate sentence provided: “In event of accidental death immediate notice thereof must be given to the” company (page 232). It was held that where death followed an accidental injury a notice must be given after the death, even though a notice was given seasonably after the accidental injury. Thompson
The policy in question differs from those considered in the cases cited. The notice required is simply notice of the accident. That notice must be given “within twenty days from date of such accident, or immediately in case of accidental death.” If a notice such as the statute required was given before the death of the insured and within twenty days from the date of the accident, the policy does not require that another such notice be given after the “accidental death.” If the notice of May 19, 1932, was such as the policy required, it was enough to entitle the plaintiff to recover. The decisive question is the sufficiency of that notice.
The purpose of notice of the accident has been said to be “to give the insurer an opportunity to investigate the causes and nature of the disability upon which the claim for compensation is based.” Wilcox v. Massachusetts Protective Association, 266 Mass. 230, 235. In Silberstein v. Vellerman, 241 Mass. 80, 85, 86 (see also Fitchburg Savings Bank v. Massachusetts Bonding & Ins. Co. 274 Mass. 135, 153), it was said, “Where a contract of insurance required the giving of 'full particulars' of an accident as a condition precedent to liability, it was held that unnecessary details were not required, but only such as would enable the defendant to determine whether a claim was likely to be made, and that the plaintiffs were not obliged to make an exhaustive investigation of all the attendant circumstances or decide what the facts were upon conflicting evidence.” An erroneous statement of fact in the particulars is not necessarily fatal. Conroy v. Commercial Casualty Ins. Co. 292 Penn. St. 219, 225. See also Mason v. Harvey, 8 Exch. 819; Trippe v. Provident Fund Society, 140 N. Y. 23. The only substantial inaccuracies in the notice of May 19, 1932, are these: (1) the accident happened within a building situated on Washington Street rather than on the street itself, as the notice stated, and (2) the principal injuries con
Exceptions overruled.