Taylor v. Security Mutual Life Insurance

Laughlin, J.: The action is brought to recover on a policy of insurance issued by the defendant on the life of the decedent. The answer admits that the policy was issued and that the insurance had not been paid; but it sets up twenty-four separate defenses, twenty-two of which consist of an alleged breach of warranty on the part of the decedent with respect to statements made in his application for insurance. The answer also alleges the designation of another beneficiary. The order requires the defendant to furnish a copy of the application and of the writing purporting to designate another beneficiary. These provisions of the order are manifestly proper. — 321 — The answer also avers that the contract upon which the action is based was a wager policy, speculative in character, and, therefore, void. The last provision of the order requires the defendant to specify in what respect it was a wager policy and who were interested in the wager or speculation. The appellant having interposed this defense, whether it be well founded or not, the order was proper. The other provisions, twenty-two in number, relate to the alleged false representations. It is stated generally in the answer that the statements and answers in the application were false and untrue in many particulars. It is also specially averred that he falsely represented that he was not contemplating other insurance; that he had no recollection of having consulted a physician for any difficulty or disease; that he had never changed residence or traveled on account of his health; that he knew of no circumstances connected with his health, physical condition or manner of life which would render his life extra hazardous; that he never had had any injury, illness or disease other than as stated; that his practice as regards the use of spirits, wines, malt liquors or other alcoholic beverages was to drink about four glasses of beer per week; that he had never been a free drinker; that he had never taken any special treatment for inebriety; that his name was William H. Taylor; that he had never had or been affected with rheumatism, dyspepsia or indigestion, shortness of breath or chronic cough, pneumonia or any disease of the lungs or bronchial trouble; that he was in good health; that he was free from any and all diseases, sicknesses, ailments and complaints except as stated. The order requires the defendant to furnish a bill of particulars as to all of these matters and in the instances where it was charged that the decedent’s answers in the application were false, untrue and incomplete, the particulars in which they were so. We think as to these matters the order was clearly authorized. The answer also alleged that decedent’s negative answer to the question, whether any physician had ever given an unfavorable opinion upon his life with reference to insurance or advised him to defer •application for insurance was untrue; that his answer to the question calling for the name and residence of his medical adviser and family physician was untrue and was not full or complete; that his answer — 322 — to the question how long since he was attended by or last consulted a physician, “ Not since childhood, if at all,” was not full, complete or true ; and his answer to the further question to give the name and residence of such physician, “ None,” was not full, complete or true; that his answer in the negative to the question as to whether he had ever been an inmate of any infirmary, sanitarium, asylum or hospital, was not full, complete or true. The order further requires-the defendant to furnish a bill of particulars of these matters specifying in what respect the answers were not full, complete or true and specifying the name of the physician or physicians whom it is claimed gave an unfavorable opinion upon the life of decedent or advised him to defer application for insurance; the name and residence of the physician whom defendant claims was his medical adviser or family physician, the name and residence of the physician or physicians whom defendant claims decedent consulted, the name of the sanitarium or hospital of which it is claimed he was an inmate, together with the time and place of such opinion, advice or consultation, and the time and place of his being an inmate of such, institution. The insurance company contends that these provisions of the order were unauthorized. The Code provides that “ The court may in any case direct a bill of the particulars of the claim of either party to be delivered to the adverse party.” (Code Civ. Proc. § 531.) Under section 158 of the Code of Procedure, of which the provision quoted is a substantial re-enactment, the Court of Appeals in the case of Tilton v. Beecher (59 N. Y. 176) stated the office of a bill of particulars and the authority of a court to require its delivery as follows: “ In actions upon money demands, consisting of various items, a bill of particulars of the dates and description of the transactions out of which the indebtedness is. claimed to have arisen, is granted almost as a matter of course, and this proceeding is so common and familiar that when a bill of particulars is spoken of, it is ordinarily understood as referring to particulars of that character. But it is an error to suppose that bills of particulars are confined to actions involving an account, or-to actions for the recovery of money demands arising upon contract. A bill of particulars is appropriate in all descriptions of actions where the circumstances are such that justice demands that — 323 — a party should, be apprised of the matters for which he is to be put for trial with greater particularity than is required by the rules of pleading.” Of course a bill of particulars may not be required for the purpose of disclosing the evidence or names of witnesses of an adversary, but it will be required for the purpose of giving definite information as to a claim or proposition contended for by an adversary with respect to any material fact at issue, even though this may involve a disclosure of the names of individuals with whom it is claimed the transactions were had. (Ball v. Evening Post Pub. Co., 38 Hun, 11; Gee v. Chase Mfg. Co., 12 id. 630; Hat Sweat Mfg. Co. v. Reinoehl, 40 id. 47; Dwight v. Germania Life Ins. Co., 84 N. Y. 493.) The office of a bill of particulars is to amplify a pleading and to inform a party with reasonable certainty of the nature of the claim made by his adversary in order to prevent surprise and to enable him to intelligently meet the issue upon the trial. (Klock v. Brennan, 35 N. Y. St. Repr. 745; Stevens v. Webb, 12 Daly, 88; Higenbotam v. Green, 25 Hun, 214; Witkowski v. Paramore, 93 N. Y. 467.) The name of a witness, as such, may not be required to be disclosed, but the name of an individual with whom it is claimed that the transaction which is one of the issues in the case was had may, in a proper case, be required to be specified, even though it may be the intention of the opposite party to prove the fact by such individual as a witness. In the case at bar the ends of justice seem to require that the information sought should be given. The plaintiff’s affidavit shows that she has no knowledge or information on the subject. Proof of any of these facts by the defendant by a single witness, if undisputed, may prevent a recovery by the plaintiff. Each charge made by the defendant is a separate and complete answer to the plaintiff’s case. It is claimed that the decedent consulted physicians whose names he did not disclose in his application. How can the plaintiff prepare for the trial of these issues without being furnished with the names of these physicians and the time and place of such consultations ? The defendant may prove the fact without calling the physician. The fact may be proved-by the declarations or admissions of the decedent or by the testimony of others. To require, therefore, the disclosure of the names of the physicians does not at all disclose the — 324 — defendant’s evidence, nor does it necessarily disclose the names of its witnesses. In these circumstances the name of the company to whom an application was made, the name of a physician who was consulted, the name of a hospital or sanitarium in which he was an inmate, is part of the issuable fact and it is neither evidence nor does it necessarily call for the name of a witness. The defendant, to succeed, must necessarily prove that the application was made to a particular company; that the decedent consulted a particular individual who was a physician ; that he was an inmate of some particular institution. Now, to prevent surprise upon the trial and to enable the defendant to meet such defense, it is manifestly proper that the names of the physicians, corporations or institutions are given. The requirements of the bill of particulars as to time and place will not be construed as unreasonably limiting defendant’s testimony. The place required is not the precise building or block, but the city, village or town, and the time should be stated as nearly as may be. (Dwight v. Germania Life Ins. Co., supra.) Where special damages consisting- of the loss of customers are sought to be recovered the plaintiff is required to give the names of such customers. (Bell v. Heatherton, 66 App. Div. 603.) In actions for slander the plaintiff may be required to specify in a hill of particulars the name of at least one party in whose presence the slanderous words were uttered. (Stiebeling v. Lockhaus, 21 Hun, 457; Rowe v. Washburne, 62 App. Div. 131.) Sufficient authority has been cited and argument advanced, we think, to show that authority to require a hill of particulars of these matters exists. It does not follow, however, that such a bill of particulars should always be required. It rests in the sound discretion of the court depending upon the particular facts and circumstances of the ease. There is no propriety in extending to cases of this character the rule that in actions for personal injuries the plaintiff will not he required to disclose the names of his physicians. (Steinau v. Metropolitan St. Ry. Co., 63 App. Div. 126.) In such cases the issuable fact is the extent of the injuries, not who has treated the patient therefor. In the case of Richter v. Equitable Life Assurance Society (22 — 325 — App. Div. 75) it is evident that the court was of the opinion that to require the precise place of the treatment and the names of the physicians would entrench upon the general rule against requiring a party to furnish the names of his witnesses or his evidence to his opponent, and that it would serve no other purpose in that case. It was not there intended to establish a new rule limiting the authority of the court to require a bill of particulars of these matters in a proper case. In this case the discretion of the court has been quite liberally exercised in favor of the plaintiff, but in view of the numerous separate defenses interposed, by which the defendant has reserved to itself a wide latitude in the introduction of evidence to defeat the plaintiff’s cause of action, we think the ends of justice will be promoted by an affirmance of the order in toto. The order should be" affirmed, with ten dollars costs and disbursements. Patterson, Ingraham and Hatch, JJ., concurred ; Van Brunt, P. J., dissented. Order affirmed, with ten dollars costs and disbursements.