Case ID: ky-op_2/html/0545-01.html
Source: Caselaw Access Project
Author: {"author": "Judge Williams :", "license": "Public Domain", "url": "https://static.case.law/"}
Date Created: 2024-08-24T03:29:51.129683

Kentucky Insurance Company v. Parker Jones.
    
      Fire Insurance — Cancellation of Policy.
    The wrongful procurement of a policy of Insurance by the Company, and cancellation of same, will in no manner protect them against their responsibility on account of the loss of the insured property by fire.
    Same — Duty of Agent to Properly Describe Property.
    A variance between the policy and the application as to the description of the property is unavailable to the Company it being their duty in filling out the policy to describe it to a common intent; for which error, they are at fault, and not the insured.
    Attachment — Creditors Eight to Proceeds of Insurance Policy.
    A creditor, as vendor of the insured property of one to whom the policy had been asigned, has a right to attach the liability of the Insurance Company to the assignee. '
    APPEAL FROM JEFFERSON CIRCUIT COURT, CHANCERY DIVISION.
    December 15, 1868.
   Opinion of the Court by

Judge Williams :

January 3, 1866, tbe appellant by writing endorsed on tbe policy of insurance made to Jones and Kelly, and wbo bad assigned it to Edie & Ames and wbo bad assigned it to W. J. Ames & Co., consented to tbe latter assignment and recognized tbe interest of W. J. Ames & Co.

After W. J. Ames secretly left Louisville, said policy wrongfully fell into tbe bands of Barrett and from him appellant wrongfully obtained it and illegally cancelled tbe same, but wbicb can in no manner protect tbem against tbeir responsibility on account of tbe loss of tbe insured bouse by fire.

Tbe variance between tbe policy and tbe application and description is equally unavailoeing; tbe officer knew tbe property sought to be insured and it was tbeir duty in filling out tbe policy to describe it to a comomn intent at least, if this was not done, wbicb we do not even intimate, it was tbeir fault and not that of tbe assured, especially as tbey were ignorant Africans. Jones being a creditor, as vendor of tbe insured property, of W. J. Ames & Co. could therefore attach this liability of tbe Insurance Company to them, and the court properly adjudged not only the amount of appellant’s liability to W. J. Ames & Co. but appropriated this to the claim of the appellee Jones.

8Orman, for a'ppellant.

Stratton, for appellee.

Wherefore, the judgment is affirmed with damages.