Court Opinion

ID: 9807380
Source: CourtListenerOpinion
Date Created: 2023-08-31 20:02:05.297414+00
Date Added: 2024-06-11T11:35:02.119815
License: Public Domain

CiaRkson, J.,
concurring: In Laughinghouse v. Insurance Co., 200 N. C., 434 (436), it is held that in the absence of fraud or collusion between the insured and the agent, the knowledge of the agent, when acting within the scope of the powers entrusted to him, will be imputed to the company, though the policy contains a stipulation to the contrary. Short v. LaFayeite Ins. Co., 194 N. C., 649; Insurance Co. v. Grady, 185 N. C., 348; Colson v. Assurance Co., 207 N. C., 581; Smith v. Insurance Co., 208 N. C., 99 (102); Thompson v. Accident Association, 209 N. C., 678 (680); Williams v. Ins. Co., 209 N. C., 765; Cox v. Assurance Society, 209 N. C., 778.
In the present case it seems that there was such fraud or collusion as to take this case out of the decisions above set forth. “I think I can get you by” is the agent’s language, not in his employer’s interest, but that of the assured, and the assured knew this betrayal of the employer.