Opinion
9427
June 28, 1916.
Before RICE, J., Chester, October, 1915. Reversed.
Action by Willie Spence against the Phoenix Assurance Company, Limited, of London. From a judgment for defendant, plaintiff appeals.
Messrs. Marion Marion, for appellant, cite: As to notice and estoppel: 102 S.C. 311; Civil Code, sec. 3550. And as to waiver of forfeiture: 102 S.C. 115-121; 102 S.C. 381; 68 S.C. 392; 78 S.E. 443. Messrs. DePass DePass, for respondent, ask the Court to review 102 S.C. 115, and cite: 16 N.Y. St. Rep. 342; 1 N Y Suppl. 31; 18 Pa. Sup. Ct. 148; 150 Cal. 510; 10 L.R.A. (N.S.) 879; 90 Miss. 642; 15 L.R.A. (N.S.) 471; 44 So. 162; 70 S.C. 80; 68 S.C. 391; 14 Fed. 143; 48 Hun. 619. Effect of acceptance of policy by insured, binds him to warranties therein expressed: Cooley Ins. Briefs 1150; 65 Fed. 165; 27 L.R.A. 614; 12 App. D.C. 245; 40 L.R.A. 358. Promissory representations as warranties: See Cooley Ins. Briefs 1466, 1172 and 1482; 24 N.H. 259; 32 Mo. App. 302; 68 Iowa 578; 56 Am. Rep. 865; 22 Mich. 467; 7 Am. Rep. 670; 90 Tenn. 212. Burden of proof as to waiver: 88 S.C. 22. Legal issue: 75 S.C. 201; 79 S.C. 383. Issue for Court: Code Civil Proc., sec. 312. Recording as notice: Civil Code, secs. 3542, 3550; 45 S.C. 518; Bidde Ins., sec. 671; 98 Ga. 564; 25 S.E. 565; 18 Mo. 26; 12 Ind. App. 145; 12 N.E. 757; Cooley's Ins. Briefs, 1368; 90 Iowa 4; 57 N.W. 632. Plaintiff's neglect to know terms of contract: 26 S.C. 91; 9 S.C. 41; 91 S.C. 45; 118 N.C. 738; 24 S.E. 538; 78 S.C. 422, 423; 62 S.C. 12. Failure to cancel policy and return premium after loss: 102 S.C. 115; 70 S.C. 82.
June 28, 1916. The opinion of the Court was delivered by
This is an action upon a standard policy of fire insurance; and the question presented by the exceptions, is whether the defendant's failure after the fire to return the premium of insurance, or the unearned portion thereof, in accordance with the provisions of the policy, was evidence of waiver.
His Honor, the presiding Judge, ruled that such failure did not tend to show waiver, and accordingly directed a verdict in favor of the defendant. The respondent's attorneys were granted permission to review the case of Scott v. Insurance Co., 102 S.C. 115, 86 S.E. 484.
The Court adheres to the decision in that case, which is conclusive of this appeal.
Judgment reversed.