Smith v. Preferred Mut. Acc. Ass'n

• Decision Date: 16 April 1895
• Citation: 104 Mich. 634,62 N.W. 990
• Parties: SMITH v. PREFERRED MUT. ACC. ASS'N.
• Court: Michigan Supreme Court

62 N.W. 990

104 Mich. 634

SMITH v. PREFERRED MUT. ACC. ASS'N.

Supreme Court of Michigan

April 16, 1895

Error to circuit court, Ingham county; Rollin H. Person, Judge.

Action by Emma C. Smith, administratrix of the estate of Albert A Smith, deceased, against the Preferred Mutual Accident Association, to recover on a policy of insurance. From a judgment for defendant, plaintiff brings error. Affirmed.

Smith Lee & Day, for appellant.

M. V. &amp R. A. Montgomery, for appellee.

LONG J.

This action is brought upon a policy of insurance issued by defendant, by which it undertook to insure the deceased against injury by accident. The deceased was a traveling salesman. He was injured at Middleville, this state, March 29, 1892, in alighting from a train which was in motion, and after it had gone from 150 to 175 feet beyond the station. On the trial in the court below, verdict and judgment were directed for the defendant. It appears the deceased was on the train when it pulled into the station at Middleville. After it had started up, and run from 150 to 175 feet, he was seen by Mr. Dietrich to step out on the platform, and with a bag in each hand jump to the ground. The witness says: "I saw him jump. He struck on both feet. Did not take a step, and then fell over on his head. The heft of the valises took him on his head." He struck upon ground composed of gravel and cinders. There is no very satisfactory evidence of the speed of the train, the witness saying that it was running from one to six miles an hour. From this accident the deceased became demented, and continued so up to the time of his death, in February, 1893. The policy provides, among other things, that it should be void if the accident occurred "either directly or indirectly, wholly or in part, from *** either voluntary or unnecessary exposure to danger or to obvious risk of injury." It was prima facie negligence for the accused to jump from this train. Railway Co. v. Bangs, 47 Mich. 470, 11 N.W. 276; Strand v. Railway Co., 64 Mich. 216, 31 N.W. 184; McCaslin v. Railway Co., 93 Mich. 553, 53 N.W. 724; Cousins v. Railway Co., 96 Mich. 386, 56 N.W. 14. We see nothing in the circumstances which could justify or excuse the act of the deceased in taking the risk in jumping from the train, under the facts shown. In Tuttle v. Insurance Co., 134 Mass. 175, it was held that under a policy of insurance against accident providing that no claim should be...