Case Name: LOEW v. NORTH BRITISH & MERCANTILE INS. CO.
Court: New York Supreme Court, Appellate Term
Jurisdiction: New York
Decision Date: 1916-01-07
Citations: 156 N.Y.S. 692
Docket Number: 
Parties: LOEW v. NORTH BRITISH & MERCANTILE INS. CO.
Judges: 
Reporter: West's New York Supplement
Volume: 156
Pages: 692–693

Head Matter:
LOEW v. NORTH BRITISH & MERCANTILE INS. CO.
(Supreme Court, Appellate Term, First Department.
January 7, 1916.)
Insurance ®£»19&—Insurer’s Action eor Unearned Premium—Parties.
In an action for the unearned premium on an insurance policy issued by defendant, where plaintiff tendered the return of a certificate of insurance showing the loss, if any, payable to a mortgagee, the mortgagee should have been made a party, as its interest in the policy could not be affected without its consent.
[Ed. Note.—For other cases, see Insurance, Cent. Dig. §§ 457-467; Dec. Dig. ®=»198J
<S^For other cases see same topic & KEY-NUMBER in all Key-Numbered Digests & Indexes
Appeal from Municipal Court, Borough of Manhattan, First District.
Action by William N. Loew against the North British & Mercantile Insurance Company. From a judgment after a trial by judge withouf a jury, defendant appeals. Reversed, and complaint dismissed.
Argued November term, 1915, before LEHMAN, BIJUR, and FINCH, JJ.
Leo Levy, of New York (Edw. C. Schiffmacher, of New York City, of counsel), for appellant.
John T. Loew, of New York, for respondent.

Opinion:
BIJUR, J.
The plaintiff sues for the unearned premium on an insurance policy issued by defendant to him. Plaintiff tendered the return of a certificate of insurance held by him. This certificate shows : "Loss, if any, payable to Lawyers' Mortgage Company, mortgagee," etc.
As the interest of the mortgagee in the policy was one which could not be affected without its consent, it should, to say the least, have been made a party to the action. Lewis v. London & Lancashire Fire Ins. Co., 78 Misc. Rep. 176, 137 N. Y. Supp. 887.
Judgment reversed, with $30 costs, and complaint dismissed, with costs.
LEHMAN, J., concurs.