Case Name: C. W. Baggett v. Liverpool & London & Globe Insurance Company, Limited, of Liverpool, England
Court: Supreme Court of Texas
Jurisdiction: Texas
Decision Date: 1925-11-18
Citations: 115 Tex. 144
Docket Number: Application No. 14219
Parties: C. W. Baggett v. Liverpool & London & Globe Insurance Company, Limited, of Liverpool, England.
Judges: 
Reporter: Texas Reports
Volume: 115
Pages: 144–145

Head Matter:
C. W. Baggett v. Liverpool & London & Globe Insurance Company, Limited, of Liverpool, England.
Application No. 14219.
Decided November 18, 1925.
(277 S. W., 78).
W. A. Morrison, for plaintiff in error.
On the proposition that a warranty on the part of the assured or a condition for defeating the policy prior to and independent of the Statute of 1909, (Arts. 4953, 4955, Rev. Stats.) was required to be incorporated in the policy itself; otherwise a violation of such provision could not be invoked by the Insurance Company to defeat the policy: Goddard v. East Texas Fire Ins. Co., 67 Texas, 69, 71, 1 S. W., 906; Georgia Home Ins. Co. v. McKinley, 14 Texas Civ. App., 7, 37 S. W., 606; East Texas Fire Ins. Co. v. Brin, 3 App. C. C. (Willson) Sec. 333; Co-operative Ins. Co. v. Ray, 138 S. W., 1122, 1123; Maryland Casualty Co. v. Robertson & Co., 194 S. W., 1140, 1144; United States Fid. & Guar. Co. v. Maxwell, 237 S. W., 708; Texas State Mutual Fire Ins. Co. v. Richbourg, 257 S. W., 1089, 1090.
Provision in a note and not in a policy that policy suspended while note unpaid is nugatory: Dwelling House Ins. Co. v. Hardie, 37 Kan., 674, 16 Pac., 92; Shawnee Mutual Fire Ins. Co. v. Cannady, 36 Okla., 733, 129 Pac., 869, 44 L. R. A., N. S., 376, 379.
Thompson, Knight, Barwise & Harris, for appellant in Court of Civil Appeals.

Opinion:
Per Curiam:
The only thing absent from the copy of the application which was attached to the policy was the signature of Baggett. There is no contention that it was not in all other respects a substantial copy of the original application. Under the circumstances, the absence of the signature becomes immaterial. Baggett having offered in evidence all of the policy except the application, the whole was admissible when offered by the Insurance Company. The Court of Civil Appeals having made a correct disposition of the case, the writ of error is refused.