{
  "id": 8625395,
  "name": "ADDISON B. GUY v. \u00c6TNA LIFE INSURANCE COMPANY",
  "name_abbreviation": "Guy v. \u00c6tna Life Insurance",
  "decision_date": "1934-10-31",
  "docket_number": "",
  "first_page": "278",
  "last_page": "279",
  "citations": [
    {
      "type": "official",
      "cite": "207 N.C. 278"
    }
  ],
  "court": {
    "name_abbreviation": "N.C.",
    "id": 9292,
    "name": "Supreme Court of North Carolina"
  },
  "jurisdiction": {
    "id": 5,
    "name_long": "North Carolina",
    "name": "N.C."
  },
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    {
      "cite": "141 S. E., 743",
      "category": "reporters:state_regional",
      "reporter": "S.E.",
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    },
    {
      "cite": "195 N. C., 262",
      "category": "reporters:state",
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    {
      "cite": "133 N. C., 407",
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      "cite": "171 S. E., 862",
      "category": "reporters:state_regional",
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    {
      "cite": "205 N. C., 496",
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      "reporter": "N.C.",
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        8629808
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    {
      "cite": "172 S. E., 885",
      "category": "reporters:state_regional",
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      "opinion_index": 0
    },
    {
      "cite": "206 N. C., 118",
      "category": "reporters:state",
      "reporter": "N.C.",
      "case_ids": [
        8629018
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      "case_paths": [
        "/nc/206/0118-01"
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  ],
  "analysis": {
    "cardinality": 304,
    "char_count": 4276,
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  "last_updated": "2023-07-14T19:17:31.653514+00:00",
  "provenance": {
    "date_added": "2019-08-29",
    "source": "Harvard",
    "batch": "2018"
  },
  "casebody": {
    "judges": [],
    "parties": [
      "ADDISON B. GUY v. \u00c6TNA LIFE INSURANCE COMPANY."
    ],
    "opinions": [
      {
        "text": "Stacy, C. J.\nThis is the same case that was before us at the last term, opinion filed 28 February, 1934, and reported in 206 N. C., 118, 172 S. E., 885.\nAmple evidence of plaintiff\u2019s permanent total disability was adduced on the hearing, but it was thought the letter offered by the plaintiff shows that no proof thereof had been furnished the company as provided by the policy. The action, therefore, was dismissed as in case of non-suit. Wyche v. Ins. Co., ante, 45. In this we think his Honor overlooked the denial of liability contained in said letter, which dispensed with the necessity of further proof. Misskelley v. Ins. Co., 205 N. C., 496, 171 S. E., 862; Gerringer v. Ins. Co., 133 N. C., 407, 45 S. E., 773.\nIt is established by the decisions in this jurisdiction that a provision in an insurance policy requiring proof of loss, disability or death is waived by the company\u2019s denial of liability, or refusal to pay, upon grounds other than failure to furnish such proof. Misskelley v. Ins. Co., supra.\nThe physician\u2019s statement, which the defendant alone interpreted as being adverse to plaintiff\u2019s claim, and which is not in evidence, was not conclusive of the plaintiff\u2019s right to recover. Fields v. Assurance Co., 195 N. C., 262, 141 S. E., 743.\nEeversed.",
        "type": "majority",
        "author": "Stacy, C. J."
      }
    ],
    "attorneys": [
      "Neil McK. Salmon and Dupree & Strichland for plaintiff.",
      "Murray Allen for defendant."
    ],
    "corrections": "",
    "head_matter": "ADDISON B. GUY v. \u00c6TNA LIFE INSURANCE COMPANY.\n(Filed 31 October, 1934.)\n1. Insurance M e \u2014 Denial that proof furnished hy insured showed disability within terms of policy waives further proof of disability.\nWhere insured sends insurer a physician\u2019s report in furnishing proof of disability within the terms of the policy, and insurer\u2019s agent writes insured that the company declined the claim on the ground that the physician\u2019s report failed to show disability within the terms of the policy, the letter constitutes a denial of liability by insurer which waives further proof of disability.\n2. Same\u2014\nA provision in a policy requiring proof of loss, disability, or death is waived by the company\u2019s denial of liability upon grounds other than failure to furnish such proof.\n3. Insurance R c: Evidence K a\u2014\nA physician\u2019s statement as to the condition of insured is not conclusive on the question of insured\u2019s disability within the terms of the policy.\nAppeal by plaintiff from Parker, J., at June Term, 1934, of Habnett.\nCivil action to recover disability benefits under policy of insurance issued to plaintiff by defendant.\nThe policy in suit contains the following provisions:\n\u201cBeNepits in Event of Pebmanent Total Disability.\n\u201cSix months after proof is received at the home office of the company, that from causes originating after the delivery of this policy the insured has become wholly, continuously, and permanently disabled and will for life be unable to perform any work or conduct any business for compensation or profit, . . . the company will waive the payment of all premiums falling due thereafter, . . . pay to the insured a sum equal to the monthly installment provided on the first page hereof,\u201d etc.\nOn 30 January, 1932, plaintiff filed preliminary notice of disability with defendant\u2019s agent and asked for necessary proofs in order that his claim might receive immediate attention.\nFor the purpose of showing \u201cdenial of liability\u201d on the part of defendant, the plaintiff offered in evidence a letter written to him by defendant\u2019s agent, as follows:\n\u201cOur home office advises they have received Dr. Dewar\u2019s report of your examination and what Dr. Dewar has to say has been duly considered in connection with the information developed on the inspection report.\n\u201cDr. Dewar does not believe that you are totally and permanently disabled and will for life be unable to engage in any occupation for wages or profit.\n\u201cI am therefore requested by our home office to say that they cannot recognize your claim, but to assure you that this is in no sense a repudiation of your policy contract, which remains in full force and effect, subject to its terms and provisions.\u201d\nThe court, being of opinion that, according to this letter, no proof of disability had been received at the home office of the company as provided by the policy, entered judgment of nonsuit, from which the plaintiff appeals, assigning errors.\nNeil McK. Salmon and Dupree & Strichland for plaintiff.\nMurray Allen for defendant."
  },
  "file_name": "0278-01",
  "first_page_order": 346,
  "last_page_order": 347
}