Court Opinion

ID: 9570882
Source: CourtListenerOpinion
Date Created: 2023-08-21 20:27:17.0003+00
Date Added: 2024-06-11T12:20:40.836535
License: Public Domain

Pannell, Presiding Judge,
dissenting.
I concur with the dissent of Judge Quillian, but also wish to add the following:
I have no quarrel with the holdings in Fields v. Goldstein, 97 Ga. App. 286 (102 SE2d 921), as affirmed in 214 Ga. 277; and with S & A Corp. v. Berger & Co., 111 Ga. App. 39 (140 SE2d 509), but I do not think they are controlling in this case. In Fields, supra, it is shown that plaintiff could have ascertained by examination of policy that a rider was not attached and prevented his loss. In S & A Corp., supra, the examination of the policy by the plaintiff could have easily shown whether the amount was $7500 or $3000. The other cases cited in the majority opinion are distinguishable on like grounds. Here the representation that the policy was for the correct amount under co-insurance features was a computation that the agent was to make upon certain information being furnished by the insured. The fact that the insured failed to examine his policy was under the above cases negligence, but the question of proximate cause of his loss is not necessarily determined. Under complicated formulas (that party applying for insurance might or might not understand) as to co-insurance — the plaintiff in this case could have been unable to protect himself without expert advice. This, he went to the defendant to obtain. This negligence and its effect should be for the jury.