Hersey v. Northern Assurance Co.

Stafford, J. The plaintiff is seeking to recover upon a fire insurance policy; and the case stands upon a demurrer to each of the six counts of his declaration. The first and second are intended as general counts in assumpsit ; neither is claimed to be good as a special count. We think it clear that at common law neither would be good as a general count, because it discloses an express promise as the indispensable basis of recovery. The allegations of fact, aside from the promise, are not such that the law raises therefrom an implied promise. Although the existence of an express promise in a special contract does not prevent a recovery upon a promise implied by law, when the contract has been fully performed on the part of the plaintiff, and nothing remains to be done on the part of the defendant except to pay money, it is always necessary that what has been done on the part of the plaintiff should be sufficient of itself to raise an implied promise. In the present case the facts aside from the promise, viz: the plaintiff’s 'ownership of the property, its destruction by fire without his fault, — even the payment of premiums, — do not raise an implied promise by the defendant to pay; it is only the fact that it promised, upon certain conditions, to pay, that makes it liable. Consequently, at common law, the promise, the conditions, and the fulfilment of the conditions, must be set forth — in other words the count rimst be special. See the notes to Cutter v. Powell, 2 Smith’s Lead. Cas. 8, and the admirable account of the action of assumpsit in Perry’s Common-Law Pleading, 82-89. It is claimed, however, that these two counts are good by virtue of No. 121 of the Acts of 1896, which declares that, in [444] actions upon fire, life, and accident insurance policies the general counts in assumpsit shall be a sufficient declaration, and requires the plaintiff to file with the writ a specification of the number of the policy, the date of the fire, death or accident, and the items of the policy involved in the claim, and provides that the plea of non assumpsit shall put in issue only the execution of the policy, and the amount of damages sustained thereunder. In Wertheim v. Fidelity and Casualty Co., 72 Vt. 326, 47 Atl. 1071, it was held that under this act the usual omnibus counts were not sufficient, and the statute was construed as requiring a general count aptly framed for the recovery of money due upon a policy of insurance. The two counts we are now considering appear fi> fulfill this requirement. Each, alleges, in substance, that the defendant, being indebted to the plaintiff in the sum of two thousand dollars by reason of its having become an insurer of his property against loss by fire and the subsequent loss thereof by fire without his fault, promised to pay said sum on demand, yet, though requested, neglects and refuses so- to> do. T01 say that the count must go further and set forth the terms and conditions of the contract whereby the defendant became insurer, would be to say that the count must be special. It is objected that in this act the Legislature has exceeded its authority. In the first place, it is said that by limiting the scope of the plea of non assumpsit it has required the defendant to allege, and consequently, it is assumed, to prove, matters as to which the burden must always rightfully remain, upon the plaintiff, — such as the performance of conditions precedent, the plaintiff’s interest at the time of the fire, etc. But does it follow that, because the defendant must specially put in issue [445] such matters, the burden of proof is therefore shifted? We do not construe the act as changing at all the substantive rights of the parties, but only as providing for a simpler mode of declaring. The Legislature, talcing notice of the well known fact that insurers keep a record of their policies, provided for a specification by number alone, which would serve to notify the defendant of the contract under which he was sued, and for a general declaration, which, with the specification, would inform the defendant that the plaintiff claimed to have fulfilled the provisions of the contract on his part, and that a loss had occurred under the specified items on such a day. If there was no such contract, the plaintiff would fail when met by the general issue. If the defendant desired to put in issue any other matters, he was to point them out by his pleadings. It would still be for the plaintiff to prove any matter so pointed out which he would have been required to prove under a special declaration. The act, when thus construed, is like County Court Rule No. 13, which requires the defendant in an action upon a written instrument purporting to' be signed by him, to file a notice with the general issue if he disputes its execution, and an additional notice if he denies the handwriting; yet the burden remains upon the plaintiff. It is further claimed that the act is unconstitutional as denying to certain citizens the equal protection of the laws; but, as we hold that the act does not alter the substantive rights of the parties, we need not pause at this objection, for it can hardly be urged that a defendant is entitled to have a particular method of pleading kept in force in relation to one class of contracts merely because it is left in force in other classes of a similar character. It is also objected that the counts are insufficient in failing to state that the specification required by the act has been [446] filed; but we think otherwise, for the specification itself is a part of the record, and in the eye of the Court. We hold, therefore, that the first and second counts are sufficient. The remaining four counts must be held bad for inconsistency, under the principle formulated by Stephen as the first of “Rules which tend to prevent obscurity and confusion in pleading,” viz., that “Pleadings must not be insensible nor repugnant.” Each of these counts is both. It first alleges that the defendant was already indebted to the plaintiff in such a sum upon the policy of insurance by reason of the loss having occurred, etc., and then alleges that in consideration thereof, and of certain other things, it undertook to pay that sum if the loss should occur, and that such loss has since occurred. The inconsistency is patent, and, being a matter of substance, is reached by the general demurrer. Gould on Pleading, chap. III, sec. 173; Wright v. Card, 19 Atl. (R. I.) 709; see, also, King v. Stevens, 5 East, 254; Greaves v. Neal, 57 Fed. 816. The pro forma judgment is reversed, and the cause remanded with judgment that the first and second counts are sufficient, and the third, fourth, fifth and sixth counts insufficient.