Goldstein v. Standard Acc. Ins. Co.
| Decision Date | 29 May 1923 |
| Citation | 236 N.Y. 178,140 N.E. 235 |
| Parties | GOLDSTEIN v. STANDARD ACC. INS. CO. |
| Court | New York Court of Appeals Court of Appeals |
OPINION TEXT STARTS HERE
Action by Albert Goldstein against the Standard Accident Insurance Company. Judgment for the plaintiff was affirmed by the Appellate Division by a divided court (204 App. Div. 452,197 N. Y. Supp. 554), and defendant appeals.
Reversed, and new trial granted.
Appeal from Supreme Court, Appellate Division, Fourth Department.
Thomas R. Wheeler and William C. Warren, Jr., both of Buffalo, for appellant.
Carl Sherman, of Albany, for respondent.
The plaintiff holds the defendant's policy of insurance against accident and sickness. Loss through accident is limited to a principal sum of $1,500, and to an indemnity for loss of time, in prescribed conditions, at the rate of $30 a week. Loss through sickness is limited to a like weekly indemnity for not more than 52 weeks.
Articles 1 and 2 must be quoted, since the controversy turns upon their meaning. They are as follows:
‘If such injuries shall wholly and continuously disable the insured from date of accident from performing any and every kind of duty pertaining to his occupation, and during the period of such continuous disability, shall result independently and exclusively of all other causes, in any one of the losses enumerated below, or within one hundred and eighty days from the date of the accident, irrespective of total disability, result in like manner in any one of such losses, the company will pay the sum set opposite such loss and in addition weekly indemnity as provided in article 2 to the date of death, dismemberment or loss of sight. Only one of the payments named will be made for injuries resulting from one accident.
+------------------------------------------------------+
¦“Death, Loss of Limb or Sight. ¦
+------------------------------------------------------¦
¦For loss of life ¦Principal sum ¦
+----------------------------------+-------------------¦
¦For loss of both hands by ¦ ¦
+----------------------------------+-------------------¦
¦actual severance at or ¦ ¦
+----------------------------------+-------------------¦
¦above wrist ¦Principal sum ¦
+----------------------------------+-------------------¦
¦For loss of both feet by ¦ ¦
+----------------------------------+-------------------¦
¦actual severance at or above ¦ ¦
+----------------------------------+-------------------¦
¦ankle ¦Principal sum ¦
+----------------------------------+-------------------¦
¦For loss of one hand and ¦ ¦
+----------------------------------+-------------------¦
¦one foot by actual severance ¦ ¦
+----------------------------------+-------------------¦
¦at or above wrist or ¦ ¦
+----------------------------------+-------------------¦
¦ankle ¦Principal sum ¦
+----------------------------------+-------------------¦
¦For the irrecoverable and ¦ ¦
+----------------------------------+-------------------¦
¦entire loss of sight of both ¦ ¦
+----------------------------------+-------------------¦
¦eyes ¦Principal sum ¦
+----------------------------------+-------------------¦
¦For the loss of either hand ¦ ¦
+----------------------------------+-------------------¦
¦by severance at or above ¦ ¦
+----------------------------------+-------------------¦
¦the wrist and entire sight ¦ ¦
+----------------------------------+-------------------¦
¦of one eye if irrecoverably ¦ ¦
+----------------------------------+-------------------¦
¦lost ¦Principal sum ¦
+----------------------------------+-------------------¦
¦For the loss of either foot ¦ ¦
+----------------------------------+-------------------¦
¦by severance at or above ¦ ¦
+----------------------------------+-------------------¦
¦the ankle and entire sight ¦ ¦
+----------------------------------+-------------------¦
¦of one eye if irrecoverably ¦ ¦
+----------------------------------+-------------------¦
¦lost ¦Principal sum ¦
+----------------------------------+-------------------¦
¦For the loss of either arm by ¦ ¦
+----------------------------------+-------------------¦
¦actual severance at or ¦ ¦
+----------------------------------+-------------------¦
¦above the elbow ¦2/3 principal sum ¦
+----------------------------------+-------------------¦
¦For the loss of either hand ¦ ¦
+----------------------------------+-------------------¦
¦by actual severance at or ¦ ¦
+----------------------------------+-------------------¦
¦above the wrist ¦1/2 principal sum ¦
+----------------------------------+-------------------¦
¦For the loss of either leg by ¦ ¦
+----------------------------------+-------------------¦
¦actual severance at or ¦ ¦
+----------------------------------+-------------------¦
¦above the knee ¦2/3 principal sum ¦
+----------------------------------+-------------------¦
¦For the loss of either foot ¦ ¦
+----------------------------------+-------------------¦
¦by actual severance at or ¦ ¦
+----------------------------------+-------------------¦
¦above the ankle ¦1/2 principal sum ¦
+----------------------------------+-------------------¦
¦For the irrecoverable and ¦ ¦
+----------------------------------+-------------------¦
¦entire loss of sight of one ¦ ¦
+----------------------------------+-------------------¦
¦eye ¦1/2 principal sum ¦
+----------------------------------+-------------------¦
¦For the loss of thumb ¦ ¦
+----------------------------------+-------------------¦
¦and index finger of either ¦ ¦
+----------------------------------+-------------------¦
¦hand (by severance at or ¦ ¦
+----------------------------------+-------------------¦
¦above metacarpohalangeal ¦ ¦
+----------------------------------+-------------------¦
¦joints) ¦1/3 principal sum ¦
+------------------------------------------------------¦
¦“Payment in any such case shall terminate this policy.¦
+------------------------------------------------------+
‘Weekly Indemnity.
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