Wooliver v. Boylston Insurance

Grant, J. Plaintiff's declaration set forth the issuance ■of a policy of insurance to him by the defendant, and the loss by fire of the property insured. The plea was the general issue, with notice that plaintiff made false representations as to the title to the land upon which the insured property was situated, and that the contract was .made upon Sunday. 1. Paterson & Small were the local agents of defendant. 'Complaint is made of the ruling of the court permitting -¡diem to testify that they were the defendant's agents, and had authority to write the policy. The defendant, it appears, had stated and claimed that the authority was in writing. The execution of the policy was not denied under [134] oath by the defendant at the time of filing its plea. Its; execution was therefore admitted. This, of course, admitted the authority of the agents to execute it, and no proof of execution was necessary. 2. Plaintiff lived about five miles from the city of Alpena, where the local agents resided. He applied to them for fire-insurance. They informed him that they would ride out the following Sunday, and look the property over. They did so, talked over the terms of the insurance, and agreed that they would write him a policy of $1,000 upon the-house, and $500 upon his furniture; but no company was-mentioned, ho rate agreed upon, no date fixed for the-commencement or termination of the policy. On the following day (Monday) plaintiff went to their office. The-policy was then made out, the rate agreed upon and paid,, and the policy delivered, dated and to commence on Monday. This was not a Sunday contract. Contracts dated,, executed, and delivered on a week day cannot be defeated’ because the terms were talked over, or even agreed to, upon= Sunday. 3. No written application was made for the policy,, which was a Michigan standard policy. Plaintiff testified that Paterson & Small asked him if he owned the premises, to which he replied, “No,” — that he had bought the-place on a contract; that he produced the contract, and read to them the description from it. Paterson testified that he asked plaintiff if there was anything against the-property, to which he replied, “No;” that he asked him-if he had a clear title, to which he replied that he had.. The court instructed the jury that, if plaintiff fairly disclosed to the agents the condition of his title, the contract of insurance was valid, but that if he informed them that-he owned the property in fee, and had a clear title to it, when in fact he had only an executory contract for purchase, such misrepresentation would vitiate the policy, and [135] tbe defendant would not be liable. This instruction correctly stated the law in this State. Crouse v. Insurance Co., 79 Mich. 249; Hall v. Insurance Co., 93 Id. 184. The authorities will be found cited in these two cases. 4. Plaintiff testified that he had paid $50 on the contract. The defendant sought to show that in a conversation with the adjuster and the local agents, after the fire,, he said he had paid $150. This was excluded. We do-not consider it of sufficient importance to justify reversal, even if the testimony were competent. Whether he.had paid $50 or $150 did not affect the rights of the parties. The result would have been the same in either case, under the instruction of the court. Judgment affirmed. Long, Montgomery, and Hooker, JJ., concurred.. McGrath, O. J., did not sit.