Dillon v. General Exchange Ins. Corporation

• Decision Date: 03 May 1933
• Docket Number: No. 9072.,9072.
• Citation: 60 S.W.2d 331
• Parties: DILLON v. GENERAL EXCHANGE INS. CORPORATION.
• Court: Texas Court of Appeals

Page 331

60 S.W.2d 331

DILLON v. GENERAL EXCHANGE INS. CORPORATION.

No. 9072.

Court of Civil Appeals of Texas. San Antonio.

May 3, 1933.

Rehearing Denied May 24, 1933.

Appeal from Victoria County Court; J. J. Woodhouse, Judge.

Action by Burt J. Dillon against the General Exchange Insurance Corporation. From a judgment of dismissal, plaintiff appeals.

Affirmed.

Daniel & Edwards, of Victoria, for appellant.

Terrell, Davis, Hall & Clemens and Theo. F. Weiss, all of San Antonio, for appellee.

MURRAY, Justice.

On the 19th day of March, 1931, appellant purchased from the Atzenhoffer Chevrolet Company, at Victoria, Tex., a Chevrolet roadster and at the same time paid to the Chevrolet Company, for the use and benefit of the General Exchange Insurance Corporation, appellee herein, the required premium for one year's protection against loss by fire, theft, etc. In consideration of this premium appellee issued the insurance policy sued on herein. The policy recites on its face that the effective date of the same is March 19, 1931, and the expiration date March 19, 1932.

The policy also shows the following on its face: "This policy shall not be valid unless countersigned by the duly authorized agent of the Company at San Antonio, Texas. Countersigned this 31 day of March, 1931, V. Hoover, Agent."

On the night of March 20, 1932, appellant's Chevrolet roadster was destroyed by fire.

The above facts are the pertinent allegations of appellant's petition to the questions herein raised.

The trial court sustained a general demurrer to appellant's petition, and upon his refusal to amend dismissed his cause of action.

The only question to be here determined is: Was the insurance policy in effect on the date the roadster was consumed by fire?

Appellant's contention is that regardless of the fact that the policy contained the expressed stipulation that it expired at noon March 19, 1932, it was nevertheless in effect on the night of March 20, 1932, because the policy also contained the stipulation that it was not valid unless countersigned by the duly authorized agent of the company at San Antonio, Tex., and that the policy was actually countersigned on March 31, 1931, that appellant had paid for one year's insurance, that he was therefore entitled to one full year's insurance, and that the policy not having been countersigned until March 31, 1931, should not have expired until March 31, 1932.

We do not agree with this contention. The insurance company had a lawful right to make this policy effective from a prior date, regardless of the provision that same was not valid unless countersigned by the agent designated. This stipulation had to do with the authenticity of the policy rather than the time from which it should become effective. The policy did not provide that it was not valid until countersigned, but unless countersigned. Until might be construed as referring to time, but unless does not refer to time. Bankers Lloyds v. Montgomery (Tex. Civ. App.) 42 S.W.(2d) 285; Schwartz v. Northern Life Ins. Co. (C. C. A.) 25 F.(2d) 555; Anderson v. Mutual Life Ins. Co., 164...