Prudential Ins. Co. of Am. v. Goldsmith, 20443.

Citation192 S.W.2d 1
Decision Date03 December 1945
Docket NumberNo. 20443.,20443.
PartiesTHE PRUDENTIAL INSURANCE COMPANY OF AMERICA, v. JOHN M. GOLDSMITH.
CourtCourt of Appeal of Missouri (US)

Appeal from Circuit Court of Jackson County. Hon. Allen C. Southern, Judge.

REVERSED AND REMANDED (with directions).

Clarence C. Chilcott for appellant.

(1) The plaintiff neither stated a cause of action in its petition nor proved a case on the trial and the court erred in not sustaining defendant's demurrer to the evidence and in not rendering judgment for the defendant. Sec. 926, R.S. Mo. 1939; Walker v. Roth, 230 Mo. App. 379, 71 S.W. (2d) 124; City v. Railway Co., 330 Mo. 499, 50 S.W. (2d) 637; Pickering v. Hartsock, 221 Mo. App. 868, 287 S.W. 819; Croghan v. Savings Trust Co., 85 S.W. (2d) 239, 231 Mo. App. 1161; State ex rel. Central State Life Ins. Co. v. McElhinney, 90 S.W. (2d) 124, 232 Mo. App. 107; John Deere Plow Co. v. Cooper, 91 S.W. (2d) 145, 230 Mo. App. 167; National Surety Co. v. Roth, 232 S.W. 736; Southern Real Estate, etc., v. Banker's Surety Co., 184 S.W. 1030; Citizen's Trust Co. v. Tindle, 199 S.W. 1025, 272 Mo. 681; Harris v. Taylor et al., 129 S.W. 995, 150 Mo. App. 291; Lange v. Freeman, 13 S.W. (2d) 1092; State ex rel. Zimmerman v. Schaper et al., 134 S.W. 671, 152 Mo. App. 538; Cochrane et al. v. Stewart et al., 63 Mo. 426; Steckdaub v. Wilhite, 211 S.W. 915; Hurst v. Randall et al., 68 Mo. App. 507; Smith v. Warren, 88 Mo. App. 285; Central States Grain Co-Operative, Inc., v. Nashville Warehouse & Elevator Corporation et al., 48 F. (2d) 138; Howell v. Commissioner of Internal Revenue, 69 F. (2d) 447; Union Indemnity Co. v. Vetter, 40 F. (2d) 606; American Jurisprudence, Vol. 27, Sec. 21, p. 457; Maloney v. Nelson et al., 39 N.E. 82; Most v. Massachusetts Bonding & Ins. Co. et al., 196 S.W. 1064; Conqueror Zinc & Lead Co. v. Aetna Life Ins. Co., 133 S.W. 156; State ex rel. Western Automobile Ins. Co. v. Trimble et al., 249 S.W. 902; Staggs v. Gatham Min. & Mill. Co., 235 S.W. 511; Moberly, Com'r of Finance, v. Leonard et al., 99 S.W. (2d) 58; Central Trust Co. v. Louisville Trust Co., 100 Fed. 545; Bray v. Culp et al., 219 S.W. 129, 204 Mo. App. 636; Lowenthal v. McElroy, 168 S.W. 813, 181 Mo. App. 399; Central States v. Nashville W. & E. Corp., 42 F. (2d) 138; State v. Cordaro, 241 N.W. 448; Nee Insurance Co. v. Baldrich, 185 N.W. 468; Duke v. Taylor, 240 N.W. 319; 31 Corpus Juris 431; Title Guaranty, etc., Co. v. Turnes, 183 Ill. App. 23; 31 Corpus Juris 437; State ex rel. Phillips v. Green, 112 Mo. 108, 90 S.W. 403. (2) There was a total failure of consideration for the bond. Section 1875, Revised Statutes, 1939; Cobble v. Royal Neighbors, 236 S.W. 306; Mannion v. John Hancock Mutual Life Insurance Co., 273 S.W. 201; Bullock v. Aetna Life Insurance Co., 76 S.W. (2d) 278; Deskin v. United States Reserve Insurance Corporation, 296 S.W. 103; Wheeler v. Reynolds, 193 Mo. 279, 91 S.W. 1050; Pollock v. Insurance Co., 227 N.Y.S. 328; 48 Corpus Juris 740; Forsythe v. Rerzat, 27 S.W. (2d) 695; Holman v. Metropolitan, 231 Mo. App. 230, 98 S.W. (2d) 343; Berry v. Detroit Casualty Co., 300 S.W. 1026; Hammer v. Insurance Co., 172 Mo. App. 241, 157 S.W. 1041; Steel v. Metropolitan Insurance Co., 145 S.E. 787, 61 A.L.R. 824; American Central Life Insurance Co. v. Bott, 130 N.E. 432; New York Insurance Co. v. Chittenden & Eastman, 112 N.W. 96; 14 R.C.L. 1400; 29 Am. Jur. 943; Hempstead v. Hempstead's Administrator, 27 Mo. 187; State to the Use of Hempstead v. Coste, 36 Mo. 347; Stolze v. United States Fidelity & Guaranty Co., 131 S.W. 915. (3) The bond was for indemnity against loss and not against liability and there was no breach thereof for which the surety would be liable. Burrus v. Continental Life Insurance Co., 225 Mo. App. 1129, 40 S.W. (2d) 493; Croghan v. Savings Trust Co., 231 Mo. App. 1161, 85 S.W. (2d) 239; State ex rel. Central States Life Insurance Co. v. McElhinney, 232 Mo. App. 107, 90 S.W. (2d) 124; John Deere Plow Co. v. Cooper, 230 Mo. App. 167, 91 S.W. (2d) 145; Beers et al. v. Strimple et al., 116 Mo. 179, 22 S.W. 620; Nofsinger v. Hartnett, 84 Mo. 552; Trust Co. v. Tindle, 272 Mo. 681, 190 S.W. 1025; Southern Real Estate & Finance Co. v. Banker's Surety Co., 273 Mo. 293, 184 S.W. 1030; Adel et al. v. Dalton et al., 341 Mo. 454, 107 S.W. (2d) 1071; Gillen v. Bayfield, 329 Mo. 681, 46 S.W. (2d) 571; LaClede Construction Co. v. Tudor Iron Works, 169 Mo. 137, 69 S.W. 384; Cal Hirsch & Sons Iron & Rail Co. v. Paragrould & M.R. Co., 148 Mo. App. 173, 127 S.W. 623; Malloy v. Egyptian Tie & Timber Co., 207 Mo. App. 465, 247 S.W. 467; 13 Corpus Juris 326; Underwood v. Century Realty Co., 220 Mo. 522, 119 S.W. 400, 25 L.R.A. 1173; Lindell v. Robes, 40 Mo. 249; American Law Institute, Restatement of the Law of Contracts, Sec. 74; Lubne v. Mutual Life Insurance Corp. of New York, 276 Mo. 118, 207 S.W. 320; Town of Canton v. McDaniel, 188 Mo. 207, 86 S.W. 1092; Cravens v. New York Life Ins. Co., 50 S.W. 519; Crohn v. Order of United Travelers of America, 170 Mo. App. 273, 156 S.W. 472; Peak v. International Harvester Co. of America, 194 Mo. App. 128, 186 S.W. 574; Illinois Fuel Co. v. M. & O. Railway Co., 8 S.W. (2d) 843; Hartford Accident & Indemnity Co. v. Delta & Pine Land Co., 169 Miss. 196, 150 So. 205; Solace v. T.J. Moss Tie Co., 142 S.W. (2d) 1079; School Dist. of St. Joseph v. Security Bank of St. Joseph, 325 Mo. 1, 26 S.W. (2d) 785; State ex rel. Southern Surety Co. v. Haid, 49 S.W. (2d) 329; City of St. Louis v. Maryland Casualty Co., 122 S.W. (2d) 20; State to Use of Southern Bank v. Atherton, 40 Mo. 209; Wolthausen v. Trimpert, 105 Atl. 687; 31 Corpus Juris 431; Title Guaranty Co. v. Turnes, 182 Ill. App. 23; Burlington County R. Co. v. N.J. Rapid Transit Co., 77 N.J.L. 737, 73 Atl. 504; Warwick v. Hutchinson, 45 N.J.L. 61 (aff. 46 N.J.L. 200); John v. Whartham, 188 Ill. App. 406; Drake v. Sherman, 179 Ill. 362; State v. Paul's 21 Mo. 51; Sutherland on Damages (4 Ed), Sec. 480; Loewenthal v. McElroy, 168 S.W. 813; Moberly v. Leonard, 339 Mo. 791, 99 S.W. (2d) 58; Smith v. Mann, 88 Mo. App. 285; Bray v. Culp et al., 219 S.W. 129; State v. Cordaro, 241 N.W. 448; Nee Insurance Co. v. Baldrich, 185 N.W. 468; Duke v. Taylor, 240 N.W. 319; Central Trust Co. v. Louisville Trust Co., 100 Fed. 545; Cousens v. Paxton & Gallagher, 98 N.W. 277; Ancient Order of United Workmen v. Mooney, 79 Atl. 233; Harris v. Taylor et al., 150 Mo. App. 291, 129 S.W. 995; Citizen's Trust Company v. Tindle, 272 Mo. 281, 199 S.W. 1025; Moore v. Title & Trust Co., 151 Mo. App. 256, 131 S.W. 477; Howell v. Commissioner of Internal Revenue, 69 F. (2d) 447; Central States Grain Co-Operative, Inc., v. Nashville Warehouse & Elevator Corporation et al., 48 F. (2d) 138; U.S.F. & G. Co. v. Centropolis Bank et al., 17 F. (2d) 913; Union Indemnity Co. v. Vetter, 40 F. (2d) 608; 27 American Jurisprudence 457; Stag Mining Co. v. Missouri Fidelity & Casualty Co., 209 S.W. 321; Steckdaub v. Wilhite, 211 S.W. 915; Most v. Massachusetts Bonding & Ins. Co. et al., 196 S.W. 1064; Conqueror Zinc & Lead Co. v. Aetna Life Ins. Co., 133 S.W. 156; State ex rel. Western Auto Ins. Co. v. Trimble et al., 249 S.W. 902; Reynolds v. Lathwell, 272 S.W. 1032; Kneisley Lumber Co. v. Edward B. Stoddard Co., 131 Mo. App. 15, 109 S.W. 840; Fullerton Lumber Co. v. Calhoun, 89 Mo. App. 209; Godfrey v. Kansas City Light & Power Co., 247 S.W. 451. (4) Said judgment is irregular, does not conform to the statute, is excessive and not supported by the evidence and includes items of damage not authorized by law. 15 Corpus Juris 114; Union Indemnity Co. v. Vetter, 40 F. (2d) 606; U.S.F. & G. v. Highway Eng. & C. Co., Inc., 51 F. (2d) 894; Maryland Casualty Co. v. United States, 108 F. (2d) 784; Johnson v. United Railways Co. of St. Louis et al., 152 S.W. 362; Albers v. Merchants Exchange, 39 S.W. 473; Berry v. Rudd et al., 108 S.W. 22; Section 3270, Revised Statutes of Missouri, 1939; Suburban Mutual Building & Loan Association v. Paulus et al., 80 Mo. App. 36; State ex rel. and to the Use of Macke v. Randolph et al., 186 S.W. 590; State to Use of Rayburn v. Russell, 20 Mo. 99; State ex rel. Cochran v. Cooper, 79 Mo. 464; State to Use of Heye v. Frank, 22 Mo. App. 46; State ex rel. Owen v. Hollenbeck, 68 Mo. App. 366; Mutual Benefit Insurance Co. v. Brown, 80 Mo. App. 459; McDonald v. Loewen, 130 S.W. 52; State ex rel. and to the Use of Lust, 197 S.W. 172; James H. Hurst v. Harry Randall et al., 68 Mo. App. 507; Theodore L. Smith v. Charles Warren, 88 Mo. App. 285; Maloney v. Nelson et al., 39 N.E. 82; 31 Corpus Juris 443; Nofsinger v. Hartnett, 84 Mo. 549; Burrus v. Continental Life Ins. Co., 40 S.W. (2d) 493.

Henry I. Eager and Michaels, Blackmar, Newkirk, Eager & Swanson, for respondent.

(1) Plaintiff's petition states a cause of action, one was proved at the trial, there was a breach of the terms of the bond, a loss was sustained, and judgment for plaintiff was properly entered. State ex rel. Prudential v. Shain, 344 Mo. 623, 127 S.W. (2d) 675; State ex rel. New York Life v. Trimble, 306 Mo. 295, 267 S.W. 876; Masonic Life Assn. v. Crandall, 41 N.Y.S. 497; Ancient Order of United Workmen v. Mooney, 230 Pa. 16, 79 Atl. 233; Grady v. John Hancock Mutual (Mo.), 150 S.W. (2d) 574; Bennett v. Royal Union (Mo.), 112 S.W. (2d) 134; J.B. Colt Co. v. Gregor, 44 S.W. (2d) 2, 328 Mo. 1216; Poe v. Illinois Central R.R. Co., 99 S.W. (2d) 82, 339 Mo. 1025; Home Trust Co. v. Shapiro (Mo.), 64 S.W. (2d) 717, 228 Mo. App. 266; Phoenix Mut. Life Ins. Co. v. Goessling (Mo.), 121 S.W. (2d) 182; Sol Abrahams & Son Const. Co. v. Osterholm (Mo.), 136 S.W. (2d) 86; Graves v. Merchants & Mechanics Mut. Fire Ins. Co. (Mo.), 139 S.W. (2d) 1039, 235 Mo. App. 543; Wagner v. Binder, 187 S.W. 1128, l.c. 1155; McCutchan v. K.C. Life Ins. Co. (Mo. App.), 122 S.W. (2d) 59, l.c. 70; Winter v. Supreme Lodge, K.P., 69 S.W. 662, 96 Mo. App. 1, l.c. 13; Bernblum v. Travelers Ins. Co. (Mo. Sup.), 105 S.W. (2d) 941, l.c....

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