{ "id": 1400046, "name": "Mutual Benefit Health & Accident Association v. Tilley", "name_abbreviation": "Mutual Benefit Health & Accident Ass'n v. Tilley", "decision_date": "1928-03-05", "docket_number": "", "first_page": "525", "last_page": "529", "citations": [ { "type": "official", "cite": "176 Ark. 525" } ], "court": { "name_abbreviation": "Ark.", "id": 8808, "name": "Arkansas Supreme Court" }, "jurisdiction": { "id": 34, "name_long": "Arkansas", "name": "Ark." }, "cites_to": [ { "cite": "246 S. W. 17", "category": "reporters:state_regional", "reporter": "S.W.", "opinion_index": 0 }, { "cite": "156 Ark. 165", "category": "reporters:state", "reporter": "Ark.", "case_ids": [ 1358422 ], "opinion_index": 0, "case_paths": [ "/ark/156/0165-01" ] }, { "cite": "202 S. W. 34", "category": "reporters:state_regional", "reporter": "S.W.", "opinion_index": 0 }, { "cite": "133 Ark. 163", "category": "reporters:state", "reporter": "Ark.", "case_ids": [ 1575117 ], "opinion_index": 0, "case_paths": [ "/ark/133/0163-01" ] }, { "cite": "167 S. W. 845", "category": "reporters:state_regional", "reporter": "S.W.", "case_ids": [ 8282975 ], "opinion_index": 0, "case_paths": [ "/sw/167/0845-01" ] }, { "cite": "113 Ark. 174", "category": "reporters:state", "reporter": "Ark.", "case_ids": [ 1537507 ], "opinion_index": 0, "case_paths": [ "/ark/113/0174-01" ] }, { "cite": "142 S. W. 863", "category": "reporters:state_regional", "reporter": "S.W.", "opinion_index": 0 }, { "cite": "101 Ark. 514", "category": "reporters:state", "reporter": "Ark.", "opinion_index": 0 }, { "cite": "206 S. W. 64", "category": "reporters:state_regional", "reporter": "S.W.", "opinion_index": 0 }, { "cite": "136 Ark. 84", "category": "reporters:state", "reporter": "Ark.", "case_ids": [ 1569956 ], "opinion_index": 0, "case_paths": [ "/ark/136/0084-01" ] }, { "cite": "225 S. W. 298", "category": "reporters:state_regional", "reporter": "S.W.", "opinion_index": 0 }, { "cite": "146 Ark. 70", "category": "reporters:state", "reporter": "Ark.", "case_ids": [ 1584964 ], "opinion_index": 0, "case_paths": [ "/ark/146/0070-01" ] } ], "analysis": { "cardinality": 400, "char_count": 7193, "ocr_confidence": 0.474, "pagerank": { "raw": 4.5067011005590574e-07, "percentile": 0.9232059475282149 }, "sha256": "8aff54eff2ea6969e66c1fc8fe3594efd5def458504f1bb8b679902f65831b9d", "simhash": "1:e9416ad547be8c9c", "word_count": 1221 }, "last_updated": "2023-07-14T17:05:04.337082+00:00", "provenance": { "date_added": "2019-08-29", "source": "Harvard", "batch": "2018" }, "casebody": { "judges": [], "parties": [ "Mutual Benefit Health & Accident Association v. Tilley." ], "opinions": [ { "text": "Smith, J.\nThe appellant insurance company issued to James Richard Holder an accident policy in the sum of a thousand dollars, whereby it agreed to indemnify the insured against certain disabilities, and, in the event of his accidental death, to pay the wife of the insured the sum of a thousand dollars. The policy contained the following provision, among* others: \u201cIf the insured shall, through accidental means, sustain bodily injuries as described in the insuring clause, which shall, independently and exclusively of disease and all other causes, immediately, continuously and wholly disable the insured from the date of the accident, and result in any of the following specific losses within thirteen weeks, the association will pay, in lieu of all other indemnity: * * * For loss of life, $1,000.\u201d Indemnities were also provided for certain disabilities which might not result in death.\nThe insured was shot and killed by his wife, the beneficiary, and she brought a suit, after the company had denied all liability and waived the time within which suit might be \u2018brought, and upon the trial of that action there was a verdict and judgment in favor of the insurance company. Thereafter the administrator of the insured\u2019s estate brought a suit in the chancery court, in which he sought to recover upon the policy,, and to have the proceeds thereof declared a trust fund. It appears that, at the conclusion of this trial, when the chancellor indicated that he would find for the defendant, the plaintiff administrator elected to take a nonsuit, and the cause was then dismissed. Thereafter the administrator brought the present suit for the benefit of the estate of the insured; and alleged that the insured had been unlawfully killed by the beneficiary named in the policy. There was a verdict and judgment for the plaintiff for the amount of the policy, with the statutory penalty and an allowance for attorney\u2019s fees, and this appeal is from that judgment.\nAt the trial from which this, appeal comes, witnesses detailed the circumstances under which the deceased had been killed, this testimony being to- the effect that the insured and his wife had quarreled; that she left his home and went to that of her mother, to which place the insured followed her, and that he there forcibly took from her their baby and carried it back to their home; that she followed, crying and begging for the return of the child, and, when they arrived at their home, her entreaty being ignored, she unlawfully shot and killed the insured.\nThere was testimony contradicting that of Mrs. Holder and her stepson, a son of the insured by a former marriage, given at the trial from which this appeal comes, which tended to show that, in the first suit on the policy, Mrs. Holder had shown that she killed her husband in self-defense. This contradiction presented a question of fact for the jury, and upon this question the court charged the jury as follows:\n\u201cThe court instructs you that, the contract being an accident policy, and Lillie Ethel Holder, the assured\u2019s wife, being the beneficiary named therein and alive at the time of his death, the plaintiff, as administrator of the estate of James B-ieliard Plolder, cannot recover in this case unless you find from the testimony that he was purposely and unlawfully killed by his wife.; that he himself did not, by his own misconduct, engage in or voluntarily enter the encounter which resulted in the injury causing his death.\u201d\nOther instructions given by the court elaborated the proposition that the administrator could not recover unless it Was shown by the testimony that the beneficiary named in the policy had unlawfully killed the insured. We must therefore assume that the jury found the fact to be that the beneficiary unlawfully killed the insured, and that the killing, while intentional, was not justified. Upon this finding was the plaintiff entitled to recover?\nAppellant insists that the killing, while intentional, was justified, and'insists that there can be no recovery, and the following cases are cited in support of that contention: \u00c6tna Life Ins. Co. v. Little, 146 Ark. 70, 225 S. W. 298; Metropolitan Casualty Ins. Co. v. Chambers, 136 Ark. 84, 206 S. W. 64; State Life Ins. Co. v. Ford, 101 Ark. 514, 142 S. W. 863.\nIn reply to this contention, it may be said that the jury has found, under the instructions referred to above, that the killing was intentional, but not justified. This being true, the killing was \u201caccidental\u201d within the meaning of the language employed in the policy sued on.\nIn Maloney v. Maryland Casualty Co., 113 Ark. 174, 167 S. W. 845, it was held that, if an injury occurs without the agency of the insured, it is \u201caccidental,\u201d, even though it may have been brought about designedly by another person. The question was again raised in the case of Harrison v. Interstate Business Men\u2019s Accident Association, 133 Ark. 163, 202 S. W. 34, where it was held, after a review of the authorities, that (to quote a syllabus) : \u201cIf an injury occurs without the ag\u2019ency of the insured, it will be held to be \u2018accidental,\u2019 even though it may be brought about designedly by another person.\u201d\nThe case of Henry v. Knights & Daughters of Tabor, 156 Ark. 165, 246 S. W. 17, was a suit upon an ordinary life policy, and the facts were that the beneficiary had killed the insured. It was there held that the beneficiary, having willfully killed the insured, could not recover on the policy, but that a recovery might be had for the benefit of the insured\u2019s estate. This holding was made upon the ground that, while publio policy prevented the beneficiary in a policy, who had willfully murdered the \u25a0insured, from collecting the insurance, public policy did not extend further than was necessary to prevent the felon from reaping the benefit of his crime, and that the proceeds of such a policy are payable to the estate of the insured.\nThe instant suit is prosecuted upon the theory that, while the beneficiary willfully killed the insured, and that she cannot recover the proceeds because it would be contrary to public policy to permit her to do so; but, as the policy sued on is an accident, and not an ordinary life, policy, it was essential that plaintiff show that the killing was accidental, as that term is defined in th\u00e9 cases above cited, before the administrator could recover. In other words, there was no liability to anyone unless the showing w'as made that the killing was accidental. The instructions required the jury to make this finding of fact before returning a verdict in plaintiff\u2019s favor, and* as that verdict was returned, we must assume that finding was made, and, as the testimony is legally sufficient to support that finding, the judgment must be affirmed.\nIt is insisted that no proof of death was made; but, inasmuch as the company, within the time when proof might have 'been made, denied liability under the policy to anyone, it was not necessary to make this proof.\nAs no error appears, the judgment must be affirmed, and it is so ordered.", "type": "majority", "author": "Smith, J." } ], "attorneys": [ "Strait & Strait, for appellant.", "Edward Gordon, for appellee." ], "corrections": "", "head_matter": "Mutual Benefit Health & Accident Association v. Tilley.\nOpinion delivered March 5, 1928.\nStrait & Strait, for appellant.\nEdward Gordon, for appellee." }, "file_name": "0525-01", "first_page_order": 543, "last_page_order": 547 }