U.S. Supreme Court Maryland Insurance Company v. Rugan's Administrator, 10 U.S. 6 Cranch 338 338 (1810)
Maryland Insurance Company v. Rugan's Administrator
10 U.S. (6 Cranch) 338
ERROR TO THE CIRCUIT COURT
FOR THE DISTRICT OF MARYLAND
What is reasonable time for abandonment is a question for the jury to decide under the direction of a court.
The operation of a concealment on the policy depends on its materiality to the risk, and this materiality is a subject for the consideration of a jury.
A bill of lading stating the property to belong to A. and B. is not conclusive evidence, and does not estop A. from showing the property to belong to another.
Error to the Circuit Court for the District of Maryland in an action of covenant upon a policy of insurance upon the cargo of the brig Sally at and from Surinam to New York.
There was no warranty as to the character of the property.
Upon the trial below, the plaintiffs in error took three bills of exception, and the verdict and judgment being against them, they brought their writ of error.
MR. CHIEF JUSTICE MARSHALL delivered the opinion of the Court as follows:
This case depends on the correctness of the circuit court in giving some opinions and refusing others to which exceptions have been taken.
It appears that on 22 October, the assured received notice of the capture of the vessel insured, and that on the 25th he wrote a letter abandoning to the underwriters, which letter was received in course of the mail and immediately acted upon. Some reasons were assigned by the plaintiff below for not having abandoned more immediately after receiving notice of the capture, and the defendant below moved the court to instruct the jury that the assured did not elect to abandon in reasonable time. To the refusal of the court to give this instruction the first exception is taken.
It has been repeatedly declared by this Court that what is reasonable time for abandonment is a question compounded of fact and law, of which the jury must judge under the direction of a court. It does not appear that the court below erred in refusing in this case to give the instruction required.
The insured was a subject of a belligerent power, but had resided four years in the United States. His letter representing the risk was laid before the jury, and a good deal of testimony was taken to prove that a belligerent not named in the representation was interested in the cargo. Some countertestimony was also introduced by the assured. Whereupon the counsel for the underwriters moved the court to instruct the jury that if they believe the facts stated by him, there was such a concealment as in contemplation of law vitiated the policy. This direction the court refused to give, but did direct the jury that if it should be of opinion that any circumstances were stated by Ruden or his agent or that any circumstances were suppressed by either of them which in the opinion of the jury would increase the risk, then the plaintiff cannot recover.
To this opinion an exception was taken.
It is well settled that the operation of any concealment on the policy depends on its materiality to the
risk, and this Court has decided that this materiality is a subject for the consideration of a jury. Consequently the court below did right in leaving it to them.
The counsel for the underwriters then gave some very strong evidence to prove that the property insured was not the sole property of the assured, but was property in which another person held a joint interest. Some countertestimony was adduced, on which the defendant below moved the court to direct the jury to find that the property was not the sole property of Ruden, but the joint property of Ruden and another.
This direction also the court refused to give, and did direct the jury that it was its peculiar province to determine the fact whether Ruden was the sole owner of the property or not, and to this opinion an exception was taken.
It is contended by the plaintiffs in error that the testimony offered by them, among which was the bill of lading stating the property to belong to Ruden and another, was such as absolutely to conclude him and estop him from denying that another was concerned in the cargo.
The Court is not of this opinion. The covering of property does not conclude the person interested so as to estop him from proving the truth of the case. There is the less reason for that effect being given to these papers in this case because the letter to the underwriters indicated that the cargo might be shipped in the name of other persons.
If the insured was not absolutely estopped, the court did not err in permitting the jury to weigh his testimony. It had a right to weigh it and to decide to whom the property belonged. If its verdict was against evidence, the only remedy was a new trial to be granted by the court in which the verdict was found.
There is no error, and the judgment is to be
Affirmed with costs.