51 So. 622 | Ala. | 1910
— Plaintiff in error and in the court below sued as trustee in bankruptcy of the firm of Johnson & McDonald. In the circuit court, on appeal from the judgment of a justice of the peace, there was a judgment for the defendant. Defendant admitted the indebtedness sued upon, hut sought to avoid liability by showing an accord and satisfaction, in that, pursuant to an agreement to that effect, he had issued to plaintiff a policy of fire insurance in a company for which he was agent, had assumed responsibility for the premium in settlement of the account, and in his settlement with his company at the end of the month then current had been charged with the premium. The agreement ivas made in August, 1906, when the account was presented for payment, and was written across the face of the account as follows: “Balance of account $10.00, which is to he taken up in insurance on policy now with Watson, Bowles & Curry, which will be taken out June 7, 1907. Johnson & McDonald.” The agreement must be held to have contemplated a policy on such terms as were usually employed in such cases. June 4, 1907, agreeably to the contract for the discharge of the account in all substantial respects, so far as we can see, defendant wrote a policy in the Germania Insurance Company, insuring plaintiff’s assignors against loss by fire. The evidence rather points to the conclusion that the policy was retained in the possession of the defendant; but he held it for the insured. A contract of fire insurance is complete when it appears that the terms of the contract
But on July 4, 1907, plaintiff’s assignors having become insolvent and having been put into bankruptcy, defendant, as agent for the company and in pursuance ■of thé right reserved by the company, canceled the policy of insurance, whereupon the insured' became entitled to the return of a certain proportion of the premium as unearned. Defendant drew for this unearned premium, and got credit for it with his'company. This was admitted by the defendant. After the argument, and while the court was delivering its opinion, the plaintiff moved for leave to file amendatory counts. We infer from the argument submitted by the appellant that the purpose of the proposed amendments was to secure a recovery of the unearned premium. We have not been favored by appellee with any statement of the objections taken to the amendments. These amendatory counts differed from the original only in the date on which they state the account to have fallen'due; the date in each, original and amendatory, being stated under a videlicet. We discover no necessity for the amendments
Since writing the foregoing, a brief for appellee has reached our hands, which urges, to state them inversely to the order adopted by counsel: (1) There was no delivery of the policy. (2) The judgment of the trial court is not properly presented for review.
As to the first point: We are satisfied with what has already been said.
As to the second: On the authority of Williams v. Woodward Iron Co., 106 Ala. 254, 17 South. 517; Alabama Fruit Growing Ass’n v. Garner, 119 Ala. 70, 24 South. 850, and Bridgeport Lumber Co. v. Ladd, 107 Ala. 245, 18 South. 165, in which statutes similar to the act of 1894-95 governing appeals from the circuit court of Morgan county were considered, it is argued that the bill of exceptions in the case at hand -does not sufficiently disclose the conclusions and judgment of the trial court, so that this court cannot review those assignments which predicate error of the judgment rendered. The act provides that either party may, by bill of exceptions, present for review “the conclusions and judgment of the court upon the evidence, * * * and in case
Reversed and rendered.