Court Opinion

ID: 9831898
Source: CourtListenerOpinion
Date Created: 2023-09-01 21:27:41.763674+00
Date Added: 2024-06-11T07:43:39.034497
License: Public Domain

On Rehearing.
This case was affirmed upon a misapprehension of the facts. The receipt introduced in evidence and copied in the original opinion shows that in order to create a contract of insurance before the policy applied for becomes effective the advance premiums must be paid at the time the application for the insurance is made. It conclusively appears from the evidence in this case that the application for the insurance was made about July 1st, but the advance premiums were not paid till July 18th, after the policy had been issued and delivered. Hence the contract of insurance depends upon the terms of the policy alone. The policy provides, in effect, that it shall be void if the insured is not in sound health on the date the policy becomes effective. As previously stated, the proof shows' that the insured was not in sound health on the date this policy by its terms became effective. It is true he was in good health on the date it was delivered; but by its express terms the policy did not take effect until the 20th. The insurer had a right to contract for liability upon a policy of that kind. Its plain provisions cannot be evaded upon the ground that the policy was not read by the insured or his agent at the tiine it was delivered.
The judgment heretofore rendered will be set aside and judgment here rendered in favor of the plaintiff in error.