Hackett v. Cash

ANDERSON, C. J.

(1, 2) Whether or not the act of. 1915 (page 824) regulating appeals from the judgments of the court without a jury applies to this case, which was tried before the statute was enacted, we need not decide, for the reason that it wrought no change from the present practice of the city court of Montgomery as to the weight to be accorded the finding of the trial court upon the facts, and which, with many other similar statutes, has been construed to mean that it can only apply where the opportunities of this court to consider the evidence is the same as the trial court, that is, when the evidence was taken by deposition; but when the evidence is ore tenus, or partly so, and the trial court has the advantage of seeing and hearing the witnesses, this court will not disturb the conclusion unless it is plainly and palpably contrary to the weight of the evidence.—Thompson v. Collier, 170 Ala. 469, 54 South. 493, and a long line of decisions there cited. The Legislature evidently intended, by *406 this act of 1915, to provide for trials without a jury in all courts unless it was demanded, and to do away with the necessity of •excepting to the finding or conclusion upon the facts in order to review the same in the appellate court, but did not mean to override a long line of the decisions of this court .as to what weight would or would not be accorded the conclusion of the trial court upon the facts. Moreover, if it was otherwise intended, it would be an invasion of the judiciary to require this court to disregard the finding of the trial court upon facts when said trial court had a better opportunity to pass upon and consider the evidence than the appellate court. We hold that the trial court did not err in finding that the plaintiff agreed to assign the policy and to do so in a proper and legal manner, which included having it transferred upon the hooks of the company.

(8) It is next insisted that, even if there was a breach, the •defendant sustained no damages, for the reason that the policy was noncollectable, even if it had been properly transferred upon the books of the company, and this record and the brief disclose quite a complicated state of affairs as to the different policies on this house and the beneficiaries thereunder. If Hackett agreed to transfer the policy and failed to do so, the appellee’s damage was what could have been realized on the policy if it had been properly transferred, and which was the value of the property •destroyed, not to exceed the amount provided for in the policy. Had Hackett attempted to comply with his contract and notified the company, and then the company declined to receive Cash as the beneficiary, we would have a different case, but, as he never "undertook to properly transfer the policy and to notify the company, it can avail him nothing to try and excuse himself by. saying the company might have rejected Cash as a beneficiary. He .should have, first complied with his contract and given the company a chance to do so instead of laying down on his contract and attempting to excuse himself upon the merest speculation that the company would .not have accepted Cash in his place.

(4-7) It is true that it was incumbent upon - Cash to prove his plea of recoupment, but,, when he proved a breach of the con-bract and the destruction of the property, and introduced the policy, he met the burden, and .made out a prima facie case as to ■damages.’ Then, if Haekett attempted, to defeat a recovery, because the policy could not have been-' enforced, even -if .he, had *407 complied with his contract to properly transfer same, the burden was upon him to show why and wherein it could not be enforced. This he attempted to do by showing other policies and facts as a cause for the forfeiture of the policy in question. Cash had no interest in the $1,000 policy in the Royal Exchange Assurance Company, because this policy was void as to Hackett and Cash. This company had not been notified of the sale of the real estate from Hackett to Cash, or, for that matter, from Ivey to Hackett. Therefore under this policy Cash was not entitled to anything on his loss. Nor was the payment to Loeb, the mortgagee, of his mortgage indebtedness of any benefit to Cash, as it did not extinguish the mortgage indebtedness, the mortgage having been assigned to the companies. Moreover, while the policies may have been binding in favor of the mortgagee, Loeb, they were void as to Cash, the then owner of the property, and, such being the case, the companies had the right to pay the mortgage and take an assignment or to become subrogated to the rights of the mortgagee in case there was no assignment. This, of course, would not be the case where the policy was valid as to the owner and was procured by him for his own benefit, but payable to the mortgagee as his interest might appear-; for in the last instance the payment to the mortgagee would extinguish the mortgage indebtedness.—Baker v. Monumental Savings Co., 58 W. Va. 408, 52 S. E. 403, 3 L. R. A. (N. S.) 79, 112 Am. St. Rep. 996, and note; 19 Cyc. 895.

(8) We are not impressed with the contention that the amount of Cash’s recovery should be sealed upon the pro rata clause in the policy; that is, in proportion to what the policy in question bore to the Royal policy. This applies to insurance upon the same insurable interest, and in which Hackett, or his assignee, Cash, could participate in case there had been no forfeiture, and, as above stated, and as conceded by appellant, Hackett nor Cash had any interest in or right to the older policy.

(9, 10) It is also contended that the policy in question was void because of a clause therein contained rendering it so because of additional or other insurance; but the previous policy was upon the interest of Loeb, the mortgagee, and did not accrue to the benefit of Hackett or Cash. It is settled law that the terms “additional insurance”, and “other insurance,” as used in policies providing a forfeiture, means the same insurable interest in the property.' If both the mortgagor and mortgagee of *408 real estate have separate insurance upon their respective interests, then neither policy can be' said to be additional insurance with respect to the other policy.—Copeland v. Phoenix Co., 96 Ala. 615, 11 South. 746, 38 Am. St. Rep. 134. The appellant, however, contends that the subsequent insurance taken out by Cash himself was “additional insurance,” and the correctness of this contention may be conceded, as the policy in question permitted $1,000 additional insurance, and evidently did not refer to the Royal policy, to which Hackett was not a party, and which he knew nothing about when procuring the policy in question, but must have meant subsequent insurance. -

Finding no reversible error in the record, the judgment of the city court is affirmed.

Affirmed.

All the Justices concur.