North American Accident Ins. Co. v. Miller
Decision Date | 07 March 1917 |
Docket Number | (No. 1124.) |
Citation | 193 S.W. 750 |
Parties | NORTH AMERICAN ACCIDENT INS. CO. v. MILLER. |
Court | Texas Court of Appeals |
Appeal from District Court, Dallam County; D. B. Hill, Judge.
Action by Abbie L. Miller against the North American Accident Insurance Company. Judgment for the plaintiff, and defendant appeals. Affirmed.
Ben H. Stone, of Amarillo, and J. Y. Powell, of Houston, for appellant. W. A. Davidson, of Amarillo, and R. E. Stalcup, of Dalhart, for appellee.
Abbie L. Miller sued the North American Accident Insurance Company on an accident policy, issued by that company, insuring her husband against accident, etc., in the principal sum of $5,000, and weekly benefits for $25 per week, alleging substantially that William J. Miller, her husband, was accidently injured on or about the 10th day of October, 1911, and that he was immediately totally disabled, and which disability continued to the time of his death; that such injury was the direct, proximate, and sole cause, exclusive of all other causes, in total, immediate, and continuous disability which continued to his death, which occurred April 11, 1913, Mrs. Miller sought a recovery for the principal sum of $5,000, and weekly indemnity of $25 for 78 weeks, and reasonable attorney's fees. It is alleged the injury received by Miller resulted in aneurism of the aorta, which was incurable and resulted in the death of Miller, on the date above stated; that Mrs. Miller, his wife, was the beneficiary named in the policy; and that the injury was received during the term of the policy.
The defendant answered by general denial and exceptions, and further the settlement of the claim by payment to Mrs. Miller of $1,000, in full compromise, settlement, and discharge of all liability under the policy, specially denied that the injury resulted from the accident as alleged, and that Miller was actively engaged in his occupation as a deep well driller, superintending, the only capacity in which he was insured, and in plumbing work long after the injury; that the insured died of acute dilation of the heart and arterio sclerosis primarily caused by syphilis.
The court submitted special issues to the jury as follows:
Special issue No. 1: The jury answered: "Yes."
Special issue No. 2: The jury answered: "It did."
Special issue No. 2a: The jury answered: "It did."
Special issue No. 3: The jury answered: "It was."
Special issue No. 4: The jury answered: "It was."
Special issue No. 5: The jury answered: "Did not."
Special issue No. 6: The jury answered: "$500.00."
On this verdict the court rendered judgment, after allowing credit of $1,000, the total sum of $8,323, being the principal sum insured, weekly benefits, interest thereon, and attorney's fees, after allowing the credit. The provisions of the policy material to the consideration of this case are as follows:
Under the schedule of warranties are found the following:
The insured's occupation is classed by the company as "C."
The facts warrant the finding: That William J. Miller received an injury while superintending the work in sinking a deep well about the 10th day of October, 1911. That a rope broke, and the machinery was released thereby, which caused the casing to which was attached a wrench to revolve around very rapidly. As the wrench came around, the end of the wrench struck Miller in the upper chest, which knocked him flat on his back, and that the blow was one of great force. This blow immediately rendered him unconscious. That he was picked up and placed in a conveyance and carried home. That the blow rendered the place on his chest struck black and bruised looking. Miller was placed in a bed the day he received the injury, but on the next morning was able to get out of bed, and again returned to the work; but in the afternoon was again brought home and took his bed, where he remained for something like two weeks, unable to leave the house. During these two weeks, at the point where this bruise was on his chest there developed what his wife termed a small "bunch" — perhaps an inch and half in diameter. That he complained of severe aching across the breast, and this place...
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