16 Pa. Super. 119 | Pa. Super. Ct. | 1901
Opinion by
This was an action to recover the amount of an assessment made by the board of directors of a mutual fire insurance com
It was stipulated in the policy that, “ by accepting this policy, the assured hereby agrees to pay to said insurance company such further sums ” (in addition to the cash premium) “ and at such times as the board of directors shall assess and order pursuant to the charter, the by-laws and laws of this state, providing such assessment shall not exceed three times the annual premium paid. Article 18 of the bj'-laws provides that each member shall pay into the treasury of the company such assessments as may be levied, “ and charged to their account on the books of the company,” within thirty days from the date thereof. Article 15 provides that a member may withdraw from the company at any time before the expiration of his policy, provided the policy is returned to the company for cancelation, “ and if all charges standing against said policy holder shall have been paid.” Article 16 provides that members whose policies have been canceled or expired “shall be liable to assessment for losses and expenses incurred during the time the policy was in
There is much irrelevant matter in the affidavit of defense. • The substance of the defense is contained in the following paragraph:
“ That the placing of said insurance by the plaintiff upon the mutual assessment plan, was a' fraud, accident or mistake practiced by said plaintiff company upon the defendant, because as deponent is informed, believes, and expects to be able to prove, the plaintiff promised and agreed to issue said renewal policy as a “ nonassessable policy ” and have the word “ nonassessable ” stamped on the face of the policy, which fraud, accident or mistake practiced upon defendant by plaintiff was not discovered by the deponent at the time said policy was accepted by deponent, and that the plaintiff had not complied with its promise and agreement to issue a nonassessable renewal policy to deponent and have the same stamped in a manner precisely similar to the original policy which contained the nonassessable clause.”
We remark with regard to these averments, that if the defendant did not discover that the word “ nonassessable ” was not stamped on the face of his policy, it was because he did not look at it. It was not necessary for him to read conditions in fine print to learn that it was not the same kind of a policy he had had the year before. A mere glance at the face of the policy would have been sufficient to give him the knowledge he needed. Under all the circumstances of this case, this was a duty. For, it is to be noticed, that there is no allegation that anything was said or done at the time he accepted the policy, which can, by
It must be conceded that in many respects the case resembles Ins. Co. v. Brick Co., supra, but the cases are not parallel in all their controlling facts. In principle the case is more nearly like Susquehanna Mutual Fire Ins. Co. v. Oberholtzer, 172 Pa. 228. Written contracts are presumed to express the real agreements of the parties, and are not to be lightly set aside on vague allegations and uncertain inferences of fraud. A man cannot ask
Judgment affirmed.