191 Ind. 167 | Ind. | 1921
The appellee sued to recover damages for a personal injury alleged to have been caused by the negligence of the appellant while appellee was working in appellant’s factory as one of appellant’s employes. Demurrers filed by appellant to each of the three paragraphs of complaint on the alleged ground that neither paragraph stated facts sufficient to constitute a cause of action, were overruled and appellant excepted. The appellant then answered by (1) a general denial, and also (2) answered specially that the demand sued on had been compromised and settled, and that appellee had received money paid by appellant pursuant to such agreement of settlement; and (3) that appellant and appellee were operating under the Workmen’s Compensation Act at the time of the injury, and that after appellee was injured he elected to take under said law, received money thereunder, and accepted medical services and drugs paid for by appellant under the provisions of the Workmen’s Compensation Act, which he did not repay nor tender back. And with the third paragraph of answer appellant paid into court $700 as a tender of the accrued weekly payments admitted to be due under said act. A reply in general denial closed the issues. The case was tried by a jury, which returned a general verdict in favor of appellee for $7,500, together with answers to thirty-one interrogatories. Appellant filed a motion for a new trial specifying as reasons that (a) the verdict is not sustained by sufficient evidence and is contrary to law, that (b) the court refused to instruct the jury at the close of appellee’s evidence to return a verdict in favor of appellant, and
The errors properly assigned are that the trial court erred in overruling the demurrers to each of the three paragraphs of complaint, and erred in overruling the motion for a new trial. x
Appellant insists that the alleged failure to keep prop
“Sec. 5. Every employer who accepts the compensation provisions of this act shall insure the payment of compensation to his employes in the manner hereinafter provided, and while such insurance remains in force he or those conducting his business shall only be liable to any employe for personal injury or death by accident to the extent and in the manner herein specified.” §8020p Burns’ Supp. 1918, supra,.
“Sec. 6. The rights and remedies heréin granted to an employe subject to this act on account of personal injury or death by accident shall exclude all other rights and remedies of such employe, his personal representatives, dependents or next of kin, at common law or otherwise on account of such injury or death.” §8020pp Bums’ Supp. 1918, supra,.
*175 “Sec. 68. Every employer under this act shall either insure or keep insured his liability hereunder in some corporation, association or organization authorized to transact the business of workmen’s compensation insurance in this state, or shall furnish to the Industrial Board satisfactory proof of his financial ability to pay-direct the compensation in the amount and manner and when due as provided for in this act * * §8020z2 Bums’ Supp. 1918, supra.
“Sec. 69. Every employer accepting the compensation provisions of this act shall within thirty days after this act takes effect file with the board in form prescribed by it, and thereafter annually or as often as may be necessary, evidence of his compliance with the provisions of section 68 and all others relating thereto. If such employer refuses or neglects to comply with these provisions he shall be punished by a fine * * * for each day of such refusal or neglect and until the same ceases, and he shall be hable during continuance of such refusal or neglect to an employe either for compensation under this act or at law in the same manner as provided for in section 10.” §8020a3 Burns’ Supp. 1918, supra.
Section 10, supra (§8020t Bums’ Supp. 1918), took away from “every employer who elects not to operate under this act,” the defenses of contributory negligence, assumed risks, and that the injury was caused by negligence of a fellow servant. 'We think that under these provisions of the statute the question as above set out must be answered in the affirmative, and that neither paragraph of the complaint is open to the objections urged against them. No error was committed in overruling the demurrers to the several paragraphs of the complaint.
“The Union Casualty Insurance Company has had no authority to subscribe business of Workmen’s Compensation Insurance in the State of Indiana since December 31st, 1915. A recent examination of this company shows it to be in such' a financial condition that the Industrial Board deems it to be its duty to notify you that a policy in this company does not secure your compensation as required by sections 5 and 68 of the Indiana Workmen’s Compensation Act. You are therefore directed by the Board to reinsure your compensation liability without _ delay in a company of recognized financial ability * * * or make proof of your ability to pay compensation direct without insurance.”
This letter also admonished appellant that the insurance carried did not relieve it from liability, but that the employer would still be liable for the payments required by the compensation act, if the company in which it was insured should fail, and that “insurance is merely the means of indemnifying itself against this liability.”
There was also testimony that “in the early part of March, 1916,” the president of appellant company came to the office of the Industrial Board and obtained a paper, the contents of which were not shown, relating to its insurance and whether the board would issue a certificate for them to carry their own insurance, and that on March 7, 1916, the Industrial Board received notice that the policy issued by the Union Casualty Company to appellant, on August 31, 1915, for the term of one year, was canceled, because, the witness stated, the company was insolvent and went into the hands of a receiver, the date of appointment of the receiver not being suggested. But the policy was not read in evidence ; there was no 'proof that by its terms the policy
As applicable to the evidence, including the foregoing, the court gave appellee’s instructions numbered 3 and 5, as follows:
“3. If you find from the evidence in this case that the plaintiff received money from the defendant, either in cash or by check, or both, such receiving of money would not of itself constitute an election to accept compensation for his injuries under the Compensation Law of Indiana, unless such sums were intended as compensation and were accepted by him as such.
“5. Under the undisputed evidence in this case, the plaintiff, at the time he was injured, if he was injured as charged in plaintiff’s complaint, had a right to pur*182 sue either of the following remedies, to wit: He could accept compensation under the Compensation Laws of Indiana, or bring his action at law for damages, at his election, and the plaintiff’s right to pursue either of said remedies would continue until plaintiff elected to pursue the one or the other of said remedies.”
The only vice of appellee’s instructions numbered 6, 7 and 8 which we perceive is that they assumed appellee to have been injured under circumstances bringing the case within the Workmen’s Compensation Act, and assumed that appellee was entitled to recover because of appellant’s failure to comply with that law.It would seem that the first of these propositions was not in dispute, though the second was. But if appellee really had the right to sue at law, by reason of the facts alleged, then the defenses of contributory negligence, assumed risk, and negligence of a fellow servant would not be available to defeat his action, and under those circumstances these three instructions would be correct. Acts 1915, p. 392, §10, supra.
There was testimony that Dr. Frank Tinsley was called by telephone by the appellant company and was directed to wait upon appellee; that afterward appellee’s wife arranged over the telephone and appellee came to Dr. Tinsley’s office and said he was injured at the Talge Mahogany Company’s place and had been instructed by the Talge Mahogany Company to' come to the doctor for treatment; that the doctor made an examination of him, prescribed for him and afterward treated him professionally for several weeks; that the doctor explained to him the provisions of the compensation act. “Q. Did you (the' doctor) say anything to Mr. Burrows (appellee) about the company paying you for your services? A. I told him that was the reason he was sent to me, because I did and had done surgery work for most of the factories in that end of the city.” That- upon the doctor’s suggestion, and with appellee’s consent, a specialist was called to see him and an X-ray was taken of his head; that Dr. H. R. McKinstry treated appellee at the request of the appellant; that, after ap
“9. There is evidence in this cause tending to establish that defendant paid certain physicians for services rendered plaintiff and paid for drugs furnished to plaintiff. You are instructed that the payment of said items by defendant, if same were paid, without the knowledge, direction or consent of plaintiff, would not be binding upon plaintiff, and such payment, under such conditions, would not establish, or tend to establish' the fact that plaintiff had elected to accept compensation for injuries he may have sustained, under the Indiana Workmen’s Compensation Act; nor would the plaintiff be required to repay or offer to repay said sums to defendant or tender same into court, as a condition to the maintaining of this action, if same were paid by defendant, and under the circumstances and conditions mentioned in this' instruction.”
Instructions numbered 19 and 20, requested by the appellant, stated the law as applied to the issues and
The appellee was permitted to testify that he did not know the provisions of the Workmen’s Compensation Act at the time he received $10 from Mr. Strassler, and at the time his wife received the check for $12.29 which he said he did not indorse, and that he thought these were mere gifts. As applied to this evidence the appellant requested the court to give instruction No. 28, as follows:
“28. I instruct you that ignorance of the law on the part of any litigant is no excuse when it comes to a determination of his rights' with an adversary in the courts.' The ' presumption prevails that every man knows the law, and it follows from the fact that he must be bound by the law. Some evidence has been introduced in the trial of this cause on behalf of the plaintiff, tending to establish the fact that the plaintiff was ignorant of his rights under the Compensation Act of the State of Indiana, and that he did not know there .was such a law. I further instruct you that you have no right to consider this fact in determining whether or not the plaintiff elected to take compensation under the Compensation Law, nor should you consider such fact for any purpose whatever in determining the respective rights of the plaintiff and the defendant- in this action.”
If appellee did acts which in law amounted to an election to take under theWorkmen’sCompensationAct, and at the same time preserved the right to repudiate such election and sue at law, it must have been because he was ignorant of a fact or facts material to his rights; not because he had failed to be fully advised as to the law.
Without taking up in detail the other instructions, • given and refused of which complaint is made, we think the law which should govern the court in giving instruc
Complaint is made of the exclusion of certain evidence on cross-examination of a witness. Appellee does not dispute that the evidence was competent, but insists that it was not proper cross-examination concerning anything that had been testified by the witness at the time the questions were asked, and that the questions were not repeated after the witness had been examined on that subject. We do not feel justified in extending this opinion by setting out the facts necessary to a decision of the questions thus presented, as they will probably not arise upon another trial.
The judgment is reversed with directions to sustain appellant’s motion for á new trial, and for further proceedings not inconsistent with this opinion.