{
  "id": 2460814,
  "name": "Commercial Insurance Company v. Treasury Bank",
  "name_abbreviation": "Commercial Insurance v. Treasury Bank",
  "decision_date": "1871-09",
  "docket_number": "",
  "first_page": "482",
  "last_page": "485",
  "citations": [
    {
      "type": "official",
      "cite": "61 Ill. 482"
    }
  ],
  "court": {
    "name_abbreviation": "Ill.",
    "id": 8772,
    "name": "Illinois Supreme Court"
  },
  "jurisdiction": {
    "id": 29,
    "name_long": "Illinois",
    "name": "Ill."
  },
  "cites_to": [],
  "analysis": {
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    "char_count": 5365,
    "ocr_confidence": 0.515,
    "pagerank": {
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      "percentile": 0.791312157581388
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    "sha256": "f62da01525447766bd7ebf16df94e1a3ea8a86162bcf7e9356cb7eac3f6cba2b",
    "simhash": "1:b36b9f58a883b05e",
    "word_count": 929
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  "last_updated": "2023-07-14T18:22:01.960225+00:00",
  "provenance": {
    "date_added": "2019-08-29",
    "source": "Harvard",
    "batch": "2018"
  },
  "casebody": {
    "judges": [],
    "parties": [
      "Commercial Insurance Company v. Treasury Bank."
    ],
    "opinions": [
      {
        "text": "Mr. Justice Thornton\ndelivered the opinion of the Court:\nThe declaration sets out, in liceo verba, a copy of a policy of insurance payable to Boyington, Cash & Wilder, on the back of which is the following indorsement: \u201cLoss, if any, under this policy, is hereby made payable to the Treasury Bank of Chicago, as its interest may appear. Nov. 28, 1866, J. Farmer, Sec\u2019y.\u201d\nThere is no averment in the declaration that this indorsement was made by the company, or that the assured requested it, or consented to it.\nObjection was made to the introduction of the policy, when offered, and a motion in arrest of judgment was also made.\nThe pleader has merely averred, in the declaration, that the insurance company executed to Boyington, Cash & Wilder a certain policy in writing, of the Words and figures following,\u2014 and then follows the policy, dated A\u00fcgtst 10, 1866. On the back is the indorsement before referred to, of a subsequent date, 'but the declaration contains no averment whatever in reference to the indorsement.\nIt was essential to this action that the Treasury Bank should have a right to the policy. This it can not have, without the assent of the company and the assured. They must act,in effecting the indorsement. Without some allegation in the pleading, the mere indorsement proves nothing. \u2022 Ho proof would be required in regard to it.\nThe averment that the following policy was executed to the party originally assured, does not, in the remotest degree, connect the bank with the policy. This averment has reference solely to the original policy, and not to the indorsement; because the execution of the latter, so far as the pleadings show, was long subsequent to the execution of the former.\nThe mere indorsement, then, without apt averments to show that it was a part of the policy, and the. manner in which it became such, conferred no right upon the bank to maintain the suit. \u2022\nIs the omission to state the cause of action cured by verdict?\nThe rule is, that, if the plaintiff totally omit to state his title or cause of action, it need not be proved at the trial, and therefore there is no room for presumption. Rushton v. Aspenwall, Doug. 679.\nThis is not the case of a title defectively set out, which will be aided by verdict, but the total omission of any title in the plaintiff. Ho implication can arise from any. allegation of right in the plaintiff, for there is none. Hence nothing is presumed ' after verdict, but what is expressly stated in -the declaration, or \u25a0 necessarily implied from the facts stated. 2 Tidd Pr. 919.\nSergeant Williams, in the note to Strund v. Hogg, 1 Wm. Saund. 228e, says: \u201c The plaintiff need not prove'more than e what is expressly stated in his declaration, or is necessarily implied from those facts which are stated.\u201d\nSee also Weston v. Mason, 3 Burr. 1725.\nThe doctrine is fully settled by all the authorities, that, if a cause of action be stated, though ambiguously and defectively, a general verdict will cure such ambiguity and defect. The presumption then will be, that all the proof necessary to complete the cause of action was made at the trial.\nBut if, as in this case, there is no statement of any cause of action, no averment that the loss was payable to the plaintiff, with the consent of the company, the omission is not cured by verdict.\nThe motion in arrest should have prevailed, and the judgment is reversed and the cause remanded.\nJudgment reversed.",
        "type": "majority",
        "author": "Mr. Justice Thornton"
      }
    ],
    "attorneys": [
      "Messrs. Dent & Black, for the appellant.",
      "Messrs. Waite & Clarke, for the appellee."
    ],
    "corrections": "",
    "head_matter": "Commercial Insurance Company v. Treasury Bank.\n1. Insurance policy\u2014indorsement to pass title. The plaintiff brought suit on a policy of insurance, payable to third parties who were the assured, upon the back of which was indorsed: \u201cLoss, if any, under this polio}\u2019is hereby made payable to the Ticasuiy Bank of Chicago, as its interest may appear.\u201d Signed, \u201c J. Farmer, Sec\u2019y.\u201d The declaration set out the policy in lime verba, without any averment that the indorsement was made by the company\", or that the assured had requested or consented to it: Held, that the declaration failed to show any right of action in the bank, Unci was bad on motion in arrest of judgment.\n2. Same\u2014assignment. In order to give a right of action on a policy of insurance for a loss, to an assignee in his name, the insurance company and the assured must act together in effecting an indorsement.\n3. Pleading\u2014defects cured ly verdict. If a cause of action be stated, though ambiguously and defectively, a general verdict will cure the defect ; but where there is no statement of any cause of action or right' in the plaintiff to maintain the suit, the omission will not be cured by the verdict. Nothing will be presumed after verdict but what is expressly stated in the declaration, or is necessarily implied from the facts which are stated.\n4. Pleading and evidence. The plaintiff need not prove more than is expressly stated in his declaration, or is necessarily implied from those facts which are stated.\n5. Arrest op judgment. Where a declaration fails entirely to show any right in the plaintiff to maintain the action, as where the suit is upon an instrument payable to a third party, and no indorsement or transfer is averred, a motion in arrest of judgment should prevail.\nAppeal from the Superior Court of Chicago; the Hon. John G-. Rogers, Judge, presiding. .\nMessrs. Dent & Black, for the appellant.\nMessrs. Waite & Clarke, for the appellee."
  },
  "file_name": "0482-01",
  "first_page_order": 482,
  "last_page_order": 485
}