Associated Doctors Health & Life Ins. Co. v. Hanks, 1 Div. 180
Decision Date | 10 October 1967 |
Docket Number | 1 Div. 180 |
Parties | ASSOCIATED DOCTORS HEALTH AND LIFE INSURANCE COMPANY v. Roderick D. HANKS. |
Court | Alabama Court of Appeals |
Robt. G. Kendall and Johnston, Johnston & Nettles, Mobile, for appellant.
Brutkiewicz & Crain, Mobile, for appellee.
Appellee recovered judgment in the circuit court of Mobile County against appellant for hospital and medical benefits provided in two family type policies of insurance issued by appellant.
The cause was submitted to the jury on the complaint, in two counts, each based on a separate policy, pleas of the general issue and special pleas A and B. There was no demurrer to the pleas and no replication was filed to them.
It was stipulated that the policies were in force and effect and that defendant had notice of the claims. It was further stipulated that plaintiff's wife, Margaret S. Hanks, was treated for a pneumothorax (collapsed lung) and for a cystic disease of the breast and that the amount due under the policy, if anything, was $471.55.
Plea A alleged that in the applications for the policies, dated April 27, 1964, plaintiff represented that his wife had never had any tumor, cyst or other disease of the breast; that the representation was false in that she had previously been operated on for a cystic disease of her right breast on April 30, 1954; that the representation was made with the intent to deceive or that the misrepresentation materially increased the risk of loss and that appellant relied on the representation.
Plea B is the same as plea A, except that it relates to Mrs. Hanks' lung condition.
The application contained the following provision:
Title 28, Section 6, Code 1940, provides:
'No written or oral misrepresentation, or warranty therein made, in the negotiation of a contract or policy of insurance, or in the application therefor or proof of loss thereunder, shall defeat or void the policy, or prevent its attaching, unless such misrepresentation is made with actual intent to deceive, or unless the matter misrepresented increase the risk of loss.'
We refrain from setting out the evidence because we have reached the conclusion the judgment must be reversed because of the court's giving to the jury, at plaintiff's request, certain written instructions. Suffice it to say that we have carefully considered the evidence and are of opinion there was no error in the refusal of the general affirmative charge nor in the overruling of the motion for a new trial on the ground of the insufficiency of the evidence to sustain the verdict.
At the request of plaintiff, the court gave the following charges:
Charge No. I 'I charge you, gentlemen of the jury, a contract of insurance will be construed strictly against the insurer and liberally in favor of the insured.'
There was no claim that the contract was ambiguous and we find no ambiguity in its provisions. A charge relating to ambiguity is improper in the absence of ambiguity. Inter-Ocean Casualty Co. v. Scruggs, 24 Ala.App. 130, 131 So. 549; Franklin Life Ins. Co. v. Lewis, 36 Ala.App. 313, 55 So.2d 518; Alabama Farm Bureau Mutual Casualty Co. v. Goodman, 279 Ala. 538, 188 So.2d 268; Martin v. Globe Ins. Co., 5 Cir., 345 F.2d 1; Michigan Mutual Liability Co. v. Carroll, 271 Ala. 404, 123 So.2d 920; Union Life Ins. Co. v. Jameson, 31 Ind.App. 28, 67 N.E. 199; Libero v. Lumbermans Mutual Cas. Co. 143 Conn. 269, 121 A.2d 622; Equitable Life Assur. Soc. v. Wells, 6 Cir., 101 F.2d 608; Canal Ins. Co. v. Howell, 253 Miss. 225, 175 So.2d 517 (1965). Moreover the construction of an insurance policy is not the function of the jury.
Immediately following the giving of the above charge the court stated:
This explanation did not cure the error in giving the charge. Schieffelin v. Scheiffelin, 127 Ala. 14, 28 So. 687; Mobile City Lines v. Holman, 273 Ala. 371, 141 So.2d 180.
'The Court charges the jury that mere misrepresentation does not void a policy of insurance and in order for a misrepresentation to void a policy, it must be such a material misrepresentation that in you gentlemen's opinion it affected the very essence of the policy.'
The law as to the materiality of representations is stated in Reliance Life Insurance Co. v. Sneed, 217 Ala. 669, 117 So. 307, as follows:
See also Metropolitan Life Ins. Co. v. Dixon, 226 Ala. 603, 148 So. 121. Under this authority we are of opinion charge 5 misstates the law and should not have been given.
Charge 8:
'I charge you gentlemen of the jury that the burden is on the defendant hospitalization insurer to establish facts which would relieve it of liability for hospital and medical bills under limiting provisions of the contract.'
The above charge should not have been given. It misstates the burden of proof. In this case the burden rested upon defendant to reasonably satisfy the jury as to the truth of one or more of its special pleas. Brotherhood of Railroad Trainmen Insurance Department v. Pemberton, 38 Ala.App. 647, 93 So.2d 797; United Security Life Insurance Company v. Sikes, 40...
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