182 Ga. 442 | Ga. | 1936
Southern Feed Stores Inc. bought a robbery-insurance policy from the Great American Indemnity Company of New York, on March 16, 1932. While the policy was in force a robbery occurred at the store of the insured, in Atlanta, on September 19, 1932. Southern Feed Stores brought an action at law on this policy in the municipal court of Atlanta, and relied on the law of waiver and estoppel, as to the definition of “premises” referred to in the policy. A jury trial was had, and on July 28, 1934, a jury returned a verdict in favor of the plaintiff. A motion ■for new trial was refused, and the defendant carried the case to the Court of Appeals, which court, on July 2, 1935, held that “the judge erred in overruling the motion for new trial, and the appellate division of the municipal court erred in affirming that judgment.” This decision of the Court af Appeals was predicated upon the grounds that the law of waiver and estoppel was not applicable to the facts as to the definition of “premises,” as relied upon by the plaintiff in the action at law in the municipal court. The record in that case was taken to the Supreme Court on an applica
The petition alleged, in brief, that the defendant (insurer) sold to plaintiff a robbery-insurance policy, for protection against loss by robbery of merchandise at the plaintiff’s place of business, 78 Milton Avenue, Atlanta; that premiums were regularly paid by the plaintiff; that-merchandise was stolen from the warehouse at 78 Milton Avenue, Atlanta, while a custodian was in charge thereof at night; that the defendant refused to pay, because plaintiff’s custodian was not actually within the four walls of the warehouse at the time of the robbery, although the custodian was on the plaintiff’s land and at the plaintiff’s place of business performing his regular duties there (78 Milton Avenue, Atlanta); that the defendant erroneously, wrongfully, and wilfully inserted in the policy a different definition of “premises” than that which the parties, when contracting, had agreed upon; that the plaintiff complied with all conditions precedent, e. g., due submission of proofs of loss; and that the action in the municipal court was ineffectual and inappropriate. The plaintiff prayed that the suit in the municipal court be consolidated with the equitable suit, 'in which a reformation of the contract was sought, so that the plaintiff might thereby be relieved of the hardship of the clause in the policy which required that any suit on the policy be instituted within two years from the date of the loss. The petitioner alleged that it relied upon the truth and integrity of the defendant’s agent that the policy would be written as contracted for, and for that reason the policy was not read until after the loss occurred; that the 'defend
The demurrer is in the following language: “Defendant demurs generally to the petition, upon the ground that the same sets forth no cause of action.” The court, after the hearing, rendered this judgment: “The within general demurrer having come on to be heard, and after hearing argument, the demurrer is hereby sustained upon the ground only that the plaintiff is guilty of laches in bringing the action for reformation. Otherwise the demurrer is overruled.” We are of the opinion that the court erred in rendering this judgment. Defendant’s counsel insist that if the judgment sustaining the general demurrer was right for any reason, the fact that the court put it upon the single ground of laches would not authorize a reversal. The demurrer, as we note, is general, and the court expressly overruled the demurrer otherwise than in so far as it ought to be sustained because the plaintiff was guilty of laches. We do not think that the facts alleged show such laches on the part of the plaintiff as would prevent maintaining a suit upon the policy if it be reformed in accordance with the prayers of the petition. In Niagara Fire Insurance Co. v. Jordan, 134 Ga. 667 (68 S. E. 611, 20 Ann. Cas. 263), it was said: “The mistake in the policy was not discovered until after the fire, which occurred a little less than three months after the policy was issued. It is contended that the plaintiff’s failure to inspect the policy which was in his possession for nearly three months amounts to such laches and negligence on his part as to preclude any right of reformation of the policy. The trend of authority is that a mere failure of the insured to read his policy does not amount to such laches as will debar him from having such policy reformed for mistake therein. Fitchner v. Fidelity Mutual Fire Ass’n, 103 Iowa, 276 (72 N. W. 530); Taylor v. Glens Falls Fire Ins. Co., supra; Phœnix Ins. Co. v. Gurnee, 1 Paige, 278 (19 Am. D. 431). A policy of insurance is issued by the insurer and signed by him or his agents; it is not
There had been no election of remedies by the plaintiff in this case. In Royal Insurance Co. v. Stewart (Ind. App.), 121 N. E. 307, it was said: “In action on insurance policy, in which plaintiff alleged waiver and estoppel of insurer, where based on ruling sustaining demurrer on ground that facts alleged did not show waiver or estoppel, subsequent action to reform policy on ground that provision had been inserted by mistake and to recover on policy as reformed was not precluded.” And we are of the opinion that that ruling is sound.
We are further of the opinion that this action is not barred by the provision of the policy, on the ground that it was brought more than two years after the loss occurred, the policy as written barring a suit brought after that long a time. The suit at law was brought on the policy in the municipal coirrt of Atlanta, where a judgment was rendered for the plaintiff. This was taken by the insurance company to the Court of Appeals, where that judgment was reversed. Great American Indemnity Co. v. Southern Feed Stores Inc., 51 Ga. App. 591 (181 S. E. 115). The Court of Appeals held that the plaintiff could not recover under the doctrine
Judgment reversed.