Pruitt v. Great Am. Ins. Co., 238
Citation | 241 N.C. 725,86 S.E.2d 401 |
Decision Date | 30 March 1955 |
Docket Number | No. 238,238 |
Court | United States State Supreme Court of North Carolina |
Parties | Woodrow P. PRUITT v. GREAT AMERICAN INSURANCE COMPANY, New York, and The Wachovia Bank and Trust Company. |
W. H. McElwee, Jr., North Wilkesboro, for plaintiff, appellee.
Trivette, Holshouser & Mitchell, North Wilkesboro, and Joyner & Howison, Raleigh, for defendant, appellant, Great American Ins. Co., New York.
There are no allegations of fraud or of mutual mistake. Therefore, 'the written policy is conclusively presumed to express the contract it purports to contain. ' Floars v. Aetna Life Insurance Co., 144 N.C. 232, 56 S.E. 915, 916: See also State Distributing Corp. v. Travelers Indemnity Co., 224 N.C. 370, at page 374, 30 S.E.2d 377. Lacking such allegations this suit is upon the Certificate of Insurance as written. Burton v. Life & Casualty Ins. Co., 198 N.C. 498, 152 S.E. 396.
Under an almost identical fact situation the Supreme Court of Alabama in Union Marine & General Ins. Co. v. Holmes, 249 Ala. 294, 31 So.2d 303, 305, held that such provision as to countersigning did not make the contract ambiguous as to the period of coverage. In the Alabama Case the insurance policy contained the following provisions: The automobile insured under said policy of insurance was destroyed by collision or upset on 7 'February 1944 at 4:45 p. m. The Supreme Court of Alabama said: To ''countersign' is to sign in addition to the signature of another in order to attest the authenticity of the other.' Royal Exchange Assurance of London v. Almon, 202 Ala. 374, 80 So. 456, 458; Hartford Fire Ins. Co. v. King, 106 Ala. 519, 17 So. 707; New York Life Ins. Co. v. Tolbert, 10 Cir., 55 F.2d 10; Mead v. Davidson, 3 Ad. & El. 303, 111 Eng. Reprint 428, 4 L.J.K.B. (N.S.) 193.'
In Dillon v. General Exchange Ins. Corporation, Tex.Civ.App.1933, 60 S.W.2d 331, the facts were these: On 19 March 1931, plaintiff purchased on automobile, and at the same time paid to the seller, Chevrolet Co., for the use and benefit of the defendant Insurance Co. the required premium for one year's protection against loss by fire, theft, etc. In consideration of this premium the Insurance Co. issued the policy sued on. The policy recites on its face that the effective date of same is 19 March 1931 and the expiration date 19 March 1932. The policy also showed on its face, "this policy shall not be valid unless countersigned by the duly authorized agent of the Company at San Antonio, Texas.' ' It was countersigned on 31 March 1931. On the night of 20 March 1932 plaintiff's automobile was destroyed by fire. The Court said:
Under almost identical facts with the present case the Supreme Court of Tennessee held in McKee v. Continental Ins. Co., 191 Tenn. 413, 234 S.W.2d 830, 832, 22 A.L.R.2d 980, that a provision in the Certificate of Insurance that this certificate 'shall not be valid unless countersigned by a duly authorized representative of this company' merely confirmed the contract as stated, so that the period of coverage ran from the date stated in the policy as that of the inception of risk, rather than from the date of countersignature six days later, and insured could not recover for a loss to his automobile which occurred three days after the expiration of the period of coverage as stated in the policy.
The fact that an insurance policy provides: 'This certificate shall not be valid unless countersigned by a duly authorized agent of the company' was held not to alter the inception and expiration dates as set forth on the policy in the following cases: Simons v. American Fire Underwriters of American Indemnity Co., 203 S.C. 471, 27 S.E.2d 809; Oklahoma Farm Bureau Mut. Ins. Co. v. Brown, 208 Okl. 317, 255 P.2d 919. See also Annotation 22 A.L.R.2d 984.
Plaintiff contends in his brief that Davis v. Home Ins. Co., 125 S.C. 381, 118 S.E. 536, has identical facts with the case here. Counsel for the Indemnity Company contended in the Case of Simons v. American Fire Underwriters of American Indemnity Co., supra, which was before the Supreme Court of South Carolina in 1943, twenty years after the Davis case, that the Davis case controlled the Simons case. The South Carolina Supreme Court said [203 S.C. 471, 27 S.E.2d 811]: ' In this case the facts were these: On 6 March 1941, at...
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