195 Iowa 993 | Iowa | 1923
In addition to the matters before referred to, it was alleged in general terms that, through negligence on the part of defendant in the operation of a locomotive through the city of Anamosa, sparks and live coals were permitted to escape, which set fire to the property and destroyed it; that the insurance companies are subrogated to Russell’s rights against defendant to the extent of the settlements; that Russell’s loss above the amounts received from the insurance companies was more than $4,000.
Answering, defendant denied generally, and alleged that the engine operated by defendant was. operated with due care, and equipped with the best known apparatus to prevent the escape of sparks and fire, and that said apparatus was in perfect condition.
The only evidence offered by defendant on the issues raised by the general denial was affirmative testimony as to the proper equipment of the engine and its proper operation. The issues raised by the denial were as to the cause of the fire and the sufficiency of the evidence to show that the fire originated from the engine of the defendant. No other questions of fact were at issue. A question of law was raised as to the right of insurance companies which claimed that they had been subrogated by payment of the loss in part. Defendant offered no evidence on the general denial as to the fact of the fire, nor as to the amount of
1. The first error assigned is the refusal of the court to direct a verdict in favor of defendant on the ground that the plaintiffs failed to prove that the fire was set out by defendant’s locomotive. Another of the errors may be considered with this one. It is that plaintiffs failed to show that defendant was negligent in the operation of its locomotive, and that, therefore, the court erred in overruling the defendant’s motion on that ground.
The barn and its contents were destroyed by fire on the evening of May 18, 1917. The building was not owned by the occupant, Russell. It was on the east side of Huber Street, which extends north and south, the barn facing west. Some distance south of the barn was defendant’s railroad sidetrack, and next south of this track was the freight depot. The main track was south of the freight depot, and extended through Anamosa in a generally east and west direction, turning slightly to the north and nearer to the livery barn, as it proceeded west from the passenger depot, which was located one block east of Huber Street. The southwest corner of the barn was 126 feet north of the center of the main track, and the southeast corner of the barn was 142 feet north of the center of the main track. The size of the barn was 68x90 feet, the long way extending east and west. The part of the barn next to the street was used for vehicles and an office, and the rear or east part of the barn was used as a horse barn. The front of the barn was one story, but over the horse barn was a haymow. Defendant’s passenger train left Anamosa at 7:22 P. M. on the date in question, proceeding-westward along the main track before described. There is a slight up-grade from the passenger station to the freight house. There is evidence that the engine of the passenger train was working hard in starting the train, as it left the passenger station, and sparks were seen coming from the smokestack as it passed the freight house. There was a breeze from the southeast at the time of the fire. Within a few minutes after the time the train left, the barn was discovered in flames, and the alarm was given. The sun set at 7:16, and the fire was at about 7:30. It
The foregoing is a brief summary of the testimony. It is very clear- that the court could not say, as a matter of law, that the fire did not originate from the sparks from defendant’s engine. The jury could have found that it did so originate. This being so, plaintiff made a case for the jury on the question of negligence, and it was still a question for the jury, after the defendant’s evidence tending to show due care and proper operation had been introduced. Counsel for appellant state in argument that it is probably the rule in this state that the presumption of negligence arising from a showing on the part of the plaintiff that a railway company set out a fire has the effect of substantive evidence, and is enough to create a conflict for the
2. It is claimed that the court permitted the introduction of evidence of witnesses who testified, over objeetioii, to having seen sparks from a locomotive on other occasions and under different circumstances. Appellant cites Wilkins v. Omaha & C. B. R. & B. Co., 96 Iowa 668, where it was held substantially that, without proof that cars on all linés are of the same character and operated under the same conditions, it cannot be shown how far a car could be heard on one line by testimony as to hów far cars could be heard on another. The rule was again stated in Kirby v. Chicago, R. I. & P. R. Co., 173 Iowa 144, 157, an explosion case, citing the Willems case, that, as a rule, testimony as to similar explosions is inadmissible for the purpose of showing negligence, and that the conditions and circumstances must be substantially the same in each' instance. It was also said that, if the appliances or devices were of the same general type, and so constructed and operated that no harm could befall unless they were of faulty design or construction, doubtless the explosion or bursting of one under conditions similar to those attending the operation of another might be given probative force. In the instant case, two witnesses testified "on this subject. Reference to the evidence of one will be sufficient’. His evidence was:
“Q. What observation, if any, have you made relative to an engine upon the evening passenger train, which, in 1917, within a reasonable time before and after May 18th of that year, departed from Anamosa around 7:06 to 7:22 P. M., at that time, relative to its throwing sparks or cinders? A. I have sat on the bench or stood in the barn in front of the office at the livery barn and seen live sparks fall as far north as the livery barn driveway and the office doors: that is, approximately 150 to 160 feet from the main line of the Milwaukee track.”
It is contended that defendant had two engines so operating,
“I never knew of unusual holes in the netting, but I never saw one that was worn to speak of. An engine in good repair and properly handled by a competent engineer, — live sparks and cinders would not carry .from it 125 feet and set anything afire. In my judgment, we could take the whole netting out, and sparks from the engine would not carry 125 feet and set fire.”
Another witness testifying for defendant, who was formerly an engineer, but who had quit the railroad about 190.0, testified:
“Sparks as a rule don’t live very long after they leave the engine. We generally see them go out in the air, but they hardly ever come down alive.”
He said that he was familiar with the front end of a railroad engine, and knew the device they were using to arrest the escape of sparks; that there is only one kind of a device that has been generally used; that the device shown in defendant’s Exhibit B is the standard device used by railway companies for arresting the escape of sparks, ‘ ‘ and in my opinion it is the best device known. Exhibit C is a sample of the standard mesh that is used by railroad companies in the spark arrester, and it is the same that has been used for the last 25 or 30 years, and is the standard that is used now. This front end is commonly used on all roads. This is the common screen that is used. No serious improvement in spark-arresting devices since I worked on the railroad. They are still using the same device. I think it is possible to set fire with an engine equipped with this spark arrester.”
The plaintiffs’ two rebuttal witnesses say that they had seen sparks travel a distance equal to that claimed in this case, and it is claimed by plaintiffs that this was from the same engine, operated by the same witness, on the same train, and under like conditions. As to the last, the evidence is not quite as strong, perhaps, as claimed. Plaintiffs, by the question, sought to confine the inquiry closely to the same time and to the same
3. It is contended by appellant, as to the plaintiff insurance companies, that, before they are entitled to subrogation, they must show that they paid under compulsion some obligation for which the defendant was primarily responsible; that the doctrine does not apply to a mere stranger or volunteer; and that they must show that they were not mere volunteers. On this proposition they cite Sheldon on Subrogation (2d Ed.), Sections 3, 11, and 240; 37 Cyc. 375; Scandinavian Mut. Ins. Co. v. Chicago, B. & Q. R. Co., 104 Neb. 258 (177 N. W. 178). The plaintiff Russell testified that he received compensation from the insurance companies in the amounts alleged by them. It is true that it was not shown in the evidence that Russell had given notices and proofs of loss before the insurance companies paid Russell for his loss. But we have held that, in an action on a policy of insurance containing a condition that notice of loss must be given and proofs of loss furnished, as a condition to recovery thereunder, in the absence of anything in defendant’s answer raising an issue as to the sufficiency of the notice and proofs of loss, there was no necessity of introducing evidence as to the contents of either. Hagan v. Merchants & Bankers Ins. Co., 81 Iowa 321. We see no reason why the same principle should not apply here. The Scandinavian Ins. Co. case, above cited, was decided upon demurrer. It appeared that the plaintiff insurance company, suing alone, had paid a claim for insurance where the property destroyed was not covered by the policy, and there was no legal or 'moral obligation to pay; and the court held
We find this doctrine stated in the books: The rule is well settled in fire insurance, as well as in marine insurance, that the insurer, upon paying to the assured the amount of a loss on the property insured, is subrogated in a corresponding amount to the assured’s right of action against any person responsible for the loss; this right of the insurer against such other person not resting upon any relation of contract or of privity between them, but arising out of the nature of the contract of insurance as a contract of indemnity, derived from the assured alone, and enforcible in his right only. 25 Ruling Case Law 1372.
On payment of a loss, the insurer acquires the right to be subrogated pro tanto to any right of action which the insured may have against any third person whose wrongful act or negligence caused the loss. This right includes the subrogation of the insurer to any cause of action which the insured has against a carrier whose failure of duty caused the loss, as the carrier is primarily, and the insurer only secondarily, liable, and the insurer also is subrogated to the property owner’s statutory right of recovery against a railroad company for setting out fire by the operation of its road. 14 Ruling Case Law 1404, citing numerous cases. We think this doctrine applicable to the situation in the instant case. Plaintiff Russell testified that his total loss was more than $5,000. The recovery was somewhat less than the amount claimed. It was in a lump sum of $4,500, and after the verdict, the court made the apportionment among the several plaintiffs, as before stated. The property destroyed was Russell’s property. Under our statute, all persons having an interest in the subject of an action and obtaining the relief demanded may be joined as plaintiffs, except where otherwise
The defendant’s liability for the loss of the property was not increased by the fact that there was insurance on the property, or by the fact that the insurance companies had paid the plaintiff. The plaintiff Russell is not objecting to the apportionment among all the plaintiffs. So far as this issue is concerned, the answer of defendant was a general denial only. There is no question raised by the pleadings that the insurance companies are not the real parties in interest to the extent of the amounts paid by them, or that there is any misjoinder of parties, and no plea in abatement. There was no separate motion by defendant to direct a verdict against the insurance companies. The motion was all in one, and asked for a directed verdict against all the plaintiffs.
4. Some of the cases before cited have a bearing on the further proposition argued by appellant that, under Section 2056 of the Code, the insurance companies as subrogees are not subrogated to the remedial rules of evidence, an<i that ^ was incumbent on them to show, not only £hat the fire was set by defendant, but also that it was set out through negligence on the part of the railway company: in other words, that plaintiff Russell was required, under the statute, to show only that the fire originated from sparks from defendant’s engine; but that the insurance companies were required to go further, and to show, in addition to that fact, that the company was negligent. This would make one rule of evidence 'for one plaintiff and another rule of evidence for the other plaintiffs. If there be any merit in this contention, we think that appellant is not in a position to raise the question now. The concession before set out is broad enough to cover all the plaintiffs. Furthermore, plaintiffs alleged no facts in the petition as specific grounds of negligence, and, as said, the petition was not attacked. The petition and answer were drawn on the theory that the burden of proof was on the defendant, to show that the engines were properly equipped. Defendant alleged the facts as to equipment. The theory of
No reversible error appearing in the record, the judgment is- — ■Affirmed.