Vinginerra v. Commercial Casualty Ins.

PAGE, J. [1] The action is brought to recover $85.33 alleged to be due to the plaintiff pursuant to the terms of a policy of industrial accident and health insurance, whereby the said sum was provided to be paid to the insured as indemnity for the accidental loss of an eye. The policy contained a provision that: “In every case referred to in this policy * * the loss of an eye or eyes shall mean the irrevocable loss of the entire sight thereof.” The plaintiff showed that while working at shoveling concrete, 'in the construction of the subway at Fifty-Seventh street, New York City, he was struck over the eye with a piece of concrete, and was compelled to spend five weeks in the hospital, and suffered an impairment of the sight of one eye. No physician or other expert was called to demonstrate the condition of the plaintiff’s eye. The only testimony on the subject was that of the plaintiff himself, from which it appeared clearly from certain tests made at the trial that the plaintiff still had- sight in the injured eye. The plaintiff was therefore not entitled under the terms of his policy to indemnity for the loss of an eye, which was the only indemnity claimed in the complaint. There was certain other evidence of injury showing that the plaintiff had suffered lacerations of the nose and head and had been confined in a hospital; but the duration of the disability occasioned thereby was not shown, and there was no- evidence to bring the case within any specific clause of the policy. Furthermore, no damage other than for the lost eye was pleaded, and there was no motion to conform [575] the pleadings to the proof. I am of the opinion, therefore, that the judgment was wholly unsupported by proof and must be reversed. [2] As there must be a new trial, some of the other points raised by the appellant will be given consideration. It has been held that, where the premiums of an insurance policy have been collected regularly at the home of the insured by an agent of the company, nonpayment of a premium when due, owing to failure of the agent to call for it, will not render the policy lapsed. Carey v. John Hancock Mutual Life Ins. Co., 114 App. Div. 769, 100 N. Y. Supp. 289, and cases cited. This rule should be held especially applicable to a case like the present one, where the insured is an illiterate day laborer and the premium payable in small monthly installments. Furthermore, the insured was in this case furnished by the defendant with a receipt hook, in which the premiums paid by him to “Joseph Dinolfo, Collector,” were receipted for each month, and which book contained a recital: “First premium must be paid on or before July 15th, and on or before the —--day of each month thereafter, to the above named collector.” It was clearly the defendant’s fault that no collector appeared to receive the premiums from the plaintiff on November 15th, and the policy did not lapse by reason thereof. [3] The defendant’s claim that there was a misrepresentation of fact material to the risk in the application is also untenable. The application states that the duties of the plaintiff in his occupation of laborer are “Digging—not handling explosives; no tunneling.” It appeared from the evidence that the plaintiff was employed in shoveling concrete in the subway at Fifty-Seventh street, New York. While it was true that this work was being performed in a covered excavation, there is no evidence in the record to show that the work being done by the plaintiff was tunneling. .It would seem, on the contrary, that the work of subway building, except where the subway goes under the river, or in some localities of the city, where it goes through a hill, is more correctly described as “excavating,” which is the precise term used in the application to describe the business conducted by the employer of the insured. But even if the employer of the insured were engaged in tunneling, within the meaning of the policy, it would not necessarily follow that the business of shoveling concrete in a tunnel which was already dug would be tunneling. The judgment appealed from is reversed, and a new trial granted, with $30 costs to the appellant to abide the event. All concur.