Eynon v. Cont'l Life Ins. Co. of Mo.
| Decision Date | 02 December 1930 |
| Docket Number | No. 138.,138. |
| Citation | 233 N.W. 228,252 Mich. 279 |
| Parties | EYNON v. CONTINENTAL LIFE INS. CO. OF MISSOURI. |
| Court | Michigan Supreme Court |
OPINION TEXT STARTS HERE
Error to Circuit Court, Bay County; Samuel G. Houghton, Judge.
Action by Susie Eynon against the Continental Life Insurance Company of Missouri. To review an adverse judgment, plaintiff brings error.
Affirmed.
Argued before the Entire Bench.
George C. Ryan, of Saginaw, for appellant.
Hewitt & Brooker, of Bay City, for appellee.
Defendant, in consideration of $1 and an agreement to read a certain newspaper, insured Henry Eynon ‘against death or disability resulting directly, independently and exclusively of all other causes from bodily injuries effected solely through external, violent and accidental means and sustained by the insured in the manner following: * * *
‘By the wrecking or disablement of any private automobile, motor driven car or horse drawn vehicle, in which the insured is riding or driving, or by being accidentally thrown from such automobile, car or vehicle. * * *
‘By being struck or knocked down or run over while walking or standing in or on a public highway by any automobile, or any vehicle propelled by steam, cable, electricity, naphtha, gasoline, horse, compressed air or liquid power (excluding injuries sustained while working in a public highway, or while on a railroad right of way).’
November 16, 1927, Mr. Eynon drove his automobile to a gasoline filling station in Bay City to inflate a tire. He stopped his automobile at the street curb, stepped to the ground, and applied the air to the disabled tube, and an explosion followed, causing the outer rim and tube to fly from the wheel and strike his face and body, inflicting injuries from which he died within a few hours.
Claiming that the accident was within the coverage of the policy, as above mentioned, this suit was prosecuted by the administratrix of his estate to recover the stipulated insurance.
The insured was not riding in or driving his car, nor was he accidentally thrown from his car, neither was he struck or knocked down or run over by a motor vehicle within the terms of the policy.
Much ingenuity is exhibited by counsel in an endeavor to bring the accident within the policy, but it all falls before a reading of the plain words employed, limiting liability to accidents happening in a specified manner and, therefore, to none other. The language is too plain to call for construction and bars separation of words therein from...
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...policy is plain and easily understood, it must be construed as written therein." Id., 242 N.W. at 836 (citing Eynon v. Continental Life Ins. Co., 252 Mich. 279, 233 N.W. 228).1 This Kingsley holding is still recognized and followed by the Michigan Supreme Court, See Matich v. Modern Researc......
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