Kunkle v. Union Casualty Insurance

Opinion by Qrlady, J., The plaintiff recovered a verdict in her action on a policy of insurance issued by the defendant to indemnify her from loss in consequence of damage to her automobile. It was admitted that the accident happened just as described by the plaintiff’s chauffeur, who testified, that “after taking the owner for a drive, he returned to the hotel. I made a slight adjustment of the carburetor and took the car out to see what effect it had on the running of the motor, and in going around a turn the accident occurred.” The defense was based on a clause in the' policy, viz: Condition A. This policy does not cover loss......by reason of the use or maintenance of any of the automobiles enumerated under any of the following conditions,......“5, while used for demonstrating or testing.” The only question for our determination is— whether the trial judge erred in submitting to the jury to determine, whether under the circumstances, the use of the automobile at the time the damage was done, constituted such a demonstration or test as was contemplated by the condition mentioned. The terms used are not so self-explanatory, and so well understood by the [117] general public that it could be held as a matter of law, that adjusting the carburetor and ascertaining the result of that adjustment by the owner’s chauffeur, when he returned the car to.the barn after an ordinary family drive, constituted “demonstration and testing” as used in the policy. The testimony submitted by the experts was contradictory, and each party claimed that the admitted facts did or did not constitute a demonstration or test. This conflict but emphasized the judge’s duty to fairly submit this fact to the jury. While the interpretation of a written contract is, in the first instance, for the court, and not for the jury, it is just as well held that a condition in a policy of insurance, being the language of the company, must, if there be any ambiguity in it, be taken most strongly against them; if reasonably susceptible of two interpretations it is to be construed in favor of the assured, so as not to defeat without plain necessity the claim to indemnity, which it was the object to secure: Reynolds v. Maryland Casualty Co., 30 Pa. Superior Ct. 456; Frick v. United Firemen’s Insurance Co., 218 Pa. 410. Automobile insurance is a new business, and deals with methods and complicated machinery of recent introduction; the several parts and the operation of the automobile have given to us many new words of indefinite meaning, and it is often necessary to rely on the mechanicians and trade experts to reasonably understand them, and, as in this case, the selected experts often differ in the meaning to be given to words that in other business affairs seem to have a clear and precise significance. This dispute was purely one of fact, and experts, who claimed technical and peculiar knowledge on the subject, were called by each party to give their opinions as to the business or trade meaning of the words —demonstration and testing. It is true, that words if of common use, are to be taken in their natural, plain, obvious and ordinary significations; but if technical [118] words are used, they are to be taken in their-special or technical sense, unless a contrary intention clearly appears in either case from the context. Bouvier, Die. construction. The trial judge fairly and clearly submitted this disputed fact to the jury, and we do not find any reason to warrant a reversal of its conclusion. The judgment is affirmed.