Locke, 112 Ind. '404; Milwaukee & St. P. R. | court in overruling a demurrer to the declara- Where the plaintiff has shown a situation where one in the proper exercise of a right is injured by the action of another, the maxim Res ipsa loquitur applies and the presumption arises that the injurer was guilty of negligence. Byrne v. Boadle, 2 Hurlst. & C. 721; Scott v. London & St. K. Docks Co. 3 Hurlst. & C. 594; McMahon v. Davidson, 12 Minn. 357; Thomas v. Western U. Teleg. Co. 100 Mass. 156; Lyons v. Rosenthal, 11 Hun, 46; Mullen v. St. John, 57 N. Y. 567, 15 Am. Rep. 530; Cummings v. National Furnace Co. 60 Wis. 603; Mulcairns v. Janesville, 67 Wis. 24; Dixon v. Pluns, 98 Cal. 384, 20 L. R. A. 698; Houston v. Brush, 66 Vt. 331; Rose v. Stephens, 11 Fed. Rep. 438; Shafer v. Lacock, 168 Pa. 497, 29 L. R. A. 254. Evidence that defendant electric-light company had its line constructed along a street; that a guy wire from one of its poles stretched across the sidewalk, and charged with electricity from another guy wire crossing the feed wire of a street-railway company, had become detached from a tree to which it had been fastened, and was hanging to the ground; and that plaintiff's son was killed by coming in contact with it while walking along the sidewalk, makes a prima facie case, and puts on defendant the burden of showing that it was not negligent. Haynes v. Raleigh Gas Co. 114 N. C. 205, 26 L. R. A. 810; Ahern v. Oregon Teleph. & Teleg. Co. 24 Or. 276, 293, 22 L. R. A. 635, 640; United Electric R. Co. v. Shelton, 89 Tenn. 423; Southwestern Teleg. & Teleph. Co. v. Robin son, 2 U. S. App. 205, 1 C. C. A. 684, 16 L. R. A. 545, 50 Fed. Rep. 810; Brush Electric Lighting Co. v. Kelley, 126 Ind. 221, 10 L. R. A. 250; | Johnson v. Northwestern Teleph. Exch. Co. 48 Minn. 433; Uggla v. West End Street R. Co. 160 Mass. 351. tion. The specification of its defect is that it ought to, but does not, set forth the duty and aver the neglect; and citation is made of the language in the opinion in Clarke v. Ohio River R. Co. 39 W. Va. 732, that a declaration in tort "must have the requisite definiteness to inform the defendant of the nature of the cause of action and the particular act or omission constituting the tort," and reference is made to Poling v. Ohio River R. Co. 38 W. Va. 645, 24 L. R. A. 215, holding that a declaration for negligence "is good if it contains the substantial elements of a cause of action, the duty violated, the breach thereof properly averred with such matters as are necessary to render the cause of action intelligible, so that judgment according to law and the very right of the case can be given." I think these statements are good law. Hogg, Pleading & Forms, 140, says that it is settled as a general rule that it is not necessary to state the particular acts which constitute negligence. This is so, but we must take care not to misapply this statement. The West Virginia cases cited to sustain the rule are cases against railroads for killing stock. If a declaration alleges that a railroad killed stock by negligently running a train over it, as in those cases, that would be sufficient, without more details of the circumstances of running over it; but I take it that it would not be enough simply to say that the company negligently killed a horse. You must aver the duty, and aver the existence or presence of negligence in its performance, and specify the act working damage, but need not detail all the evidential facts of negligence. You must tell the defendant, even under this general rule, that he negligently did a specific act doing harm. In other words, you may say that the defendant negligently did or did not do so and so, without detail as to the mere negligence, but you must state the acts that are the basis of liability. If the negligence cannot be otherwise charged, they must be given. As said in Berns v. Gaston Gas Coal Co. 27 W. Va. 285, 55 Am. Rep. 304, the object of a declaration is to give the facts constituting the cause of action, so they may be understood by the party who is to answer them, and by the jury and court who are to give verdict and judgment on them; and though, in an action for negligence, it is not necessary to state with particularity the acts of omission or commission, yet, lest too loose a practice shall grow under this rule, it may be well to state the warning given in Baltimore & O. R. Co. v. Whittington, 30 Gratt. 810, that "this rule does not justify a general and indefinite mode of declaring, admitting of almost any proof." In that case it was held not enough to state that the railroad company was working its road with cars and conducted itself so negligently in its business that it inflicted severe bodily injuries, by reason of which the person died, without stating where the deceased was, or how injured. To avoid misunderstanding, it is important to add that the declaration need not state the particular facts that are not primary or main facts, but only are evidence of primary facts. When the necessary primary facts are given, then all other facts merely inOne error alleged is the action of the circuit | cidental that go to prove the primary facts may If deceased did not have actual knowledge of the danger that threatened, and did not apprehend it, then he cannot be held guilty of contributory negligence, although his acts may have been contributory acts. 4 Am. & Eng. Enc. Law, § 16, p. 34. To escape the responsibility of contributory negligence the plaintiff is not required to exercise more care than is usual under similar circumstances among careful persons of the class to which he belongs. Dimmey v. Wheeling & E. G. R. Co. 27 W. Va. 32, 55 Am. Rep. 292; Snyder v. Pitts burgh, C. & St. L. R. Co. 11 W. Va. 14; Phillips v. Huntington, 35 W. Va. 406; Snoddy v. Huntington, 37 W. Va. 116; Moore v. Huntington, 31 W. Va. 842; Bowen v. Huntington, 35 W. Va. 682. Brannon, J., delivered the opinion of the court: In an action on the case, Florence Snyder, administratrix of Andrew C. Snyder, recovered a judgment against the Wheeling Electrical Company for $1,000, and the company obtained this writ of error. be proved without specification in the declaration. Davis v. Guarnieri, 45 Ohio St. 470; Ware v. Gay, 11 Pick. 106; McCauley v. Davidson, 10 Minn. 418 (Gil. 335) 422. The declaration in this case states that the defendant operated an electric plant for the manufacture and sale of electricity, and had its wires over the streets of the city of Wheeling for the conveyance of electricity in dangerous currents, and that it was the duty of the defendant to exercise all possible care in putting up and operating its plant and wires, and constantly inspecting the wires and other appurtenances and appliances, and in seeing that they were strong, suitable, and safe, and that the wires and appurtenances were at all times safely secured, and to immediately attend to and repair broken or defective wires and appliances, and, when any of the wires were down upon the street, to cut off from them the current of electricity, that the lives and limbs of persons on the streets might not be endangered; yet the defendant carelessly and negligently suffered one of its wires at the corner of Market and Sixteenth streets to be so insufficiently secured that it came down, and lay on the street, and Snyder stepped upon it, received the electric current, fell prostrated by it, and continued to lie there, and receive the current into his body, and therefrom died. This declaration surely says that it was the duty of the defendant to safely secure the wires, and that, from being insufficiently secured, they came down into the street, and there wrought the injury. This one duty, breach, and injury save the declaration from demurrer. I think, too, the declaration may, by implication, be construed to say, what it should have positively averred, that the defendant failed to cut off the current from the wire when down, as it avers that the current entered Snyder's body, and he fell, and continued to receive it, which could not be so had the current been cut off. "A declaration will be treated as alleging by implication every fact which can be implied from its averments by the most liberal intendment." Hogg, Pleading & Forms, 140. Those were the only two omissions of duty specified. None other could be proved, for, even where there may be allowable a general charge of negligence, yet, if the declaration does give certain specifications of negligence as sources of the injury, others cannot be proved. Hawker v. Baltimore & O. R. Co. 15 W. Va. 629, 36 Am. Rep. 825. Therefore evidence was not admissible to prove want of or bad insulation of wires at the place of accident and elsewhere, and that wires came in contact with wet posts and that nobody was kept on duty to repair broken wires; that on a certain other occasion, when a wire was out of fix, someone telephoned from the plant that there was no one to fix the wires; that no instruments were kept to discover breaks; and at other places the wires were bare. It might seem that some of this evidence might come in under the allegation of insecure fastening, but it relates more to the condition of the wires, not to their fastening, and there is no allegation of defective wires. The declaration does assign certain duties as imposed on the company, among them the duty to attend to broken wires, and to inspect wires and appa ratus, and to see that all wires were strong, suitable, and safe; and, if this recital of duties had been followed up with averment that the insulation of the wires was defective, and in places the wires bare, coming in contact with wet poles, thus injuring and rendering them unsafe and liable to break, or even the general allegation that the wires were unsuitable, weak, and unsafe, in negation of the duty assigned in the recital, and that servants were not kept för inspection, and that careful repair was not made, and that no appliances were kept to announce at the plant fall of wires, and no means existed for discovery of their fall, this evidence would have been admissible. But what, in this declaration, gave the defendant warning of all this evidence? I think evidence of failure to inspect was admissible as evidence of insecurity of fastening and on principles above stated. It may be said that the evidence that no instrument was kept to tell of a fallen wire ought to come in under the allegation that it was the duty to cut off the current, and that the current continued to flow after the fall of the wire; but that would be going very far. None of this evidence could get in under this declaration but by a liberality too loose,-one ignoring the defendant's rights,-some of it not at all. I here allow the evidence that with certain means of ascertaining an accident the current could be shut off at once, under the charge that it was the duty to shut it off, and the allegation made by implication that it continued after the fall of the wire; and that is going pretty far. All this evidence, as a court can readily see, was calculated to and did wield a potent effect in the case, and the error of its admission cannot be looked over as harmless. It was an important factor in the trial. From these considerations it comes that plaintiff's instruction No. 2 was bad as presenting a theory for recovery which, though made relevant by some evidence, yet there was no warrant for under the declaration. It said that if the defendant failed to have the most reliable and best appliances to discover broken wires, the company, in the absence of contributory negligence, was liable. I think No. 3 good under the charge of insecure fastening. I think No. 2 should have said "good, reliable. and efficient" means and appliances, instead of "best and most reliable." Berns v. Gaston Gas Coal Co. 27 W. Va. 286, 55 Am. Rep. 304, points 9, 10. An instruction for defendants (No. 4) told the jury that the only negligence charged in the declaration was in suffering wires to be so insufficiently secured as to fall, and therefore all evidence and argument as to other suggestions of negligence must be disregarded; yet plaintiff's instructions held the company liable for not only that, but for failure to have the best appliances for discovery of broken wires, and for failure to exercise the highest degree of care in the construction, inspection, and repair of wires and poles; and so the instructions were inconsistent,-one saying to the jury that the case involved only one basis of recovery, others giving several. Which would the jury follow? Likely those giving several. A good instruction does not cure a bad one, but it must be withdrawn. McKelvey v. Chesapeake & O. R. Co. 35 W.Va. 500. Inconsistency in instructions is error. | when, from the nature of the case, he would Parkersburg Industrial Co. v. Schultz, 43 W.Va. 27 S. E. 255. I think, as Dr. Walden had examined the dead body of Snyder in his effort to resuscitate life, he could give his opinion as to the cause of his death. His opinion, however, should be confined to his knowledge based on that examination; but the court allowed him to state his opinion, not only on that, but also from what he could learn, that is, hearsay. I think it is inadmissible to ask him whether there was any indication of death from any other cause than electricity, so as to negative any other death-producing cause. not likely have been hurt without negligence of that other. May he not ask of that other an explanation, or, on his failure to give it, then damages for his injury? Take the case where one, in passing along a street, is hurt by a barrel falling from a door above, or by a brick falling from a wall or scaffold, or by a falling shutter or wall, or the like. The mere occurrences in themselves import negligence. Especially take the cases where things of great danger are used in public highways, where multitudes constantly and lawfully pass, their very nature requiring the highest degree and constancy of care, and one is killed may we not logically and fairly assume negligence, unless other plausible explanation appears? The latest work on Torts (2 Jaggard, Torts, p. 864) says: "A live wire, however, is exceedingly dangerous, so that proof of contact therewith, and consequent damages, makes it a complete case of prima facie negligence, and throws the burden on the defendwithout fault on his part. Generally, companies using electricity on lines along a street are charged with the highest degree of care, having due reference to existing knowledge in the construction, inspection, and repair of their wires and poles, and in the use of devices to guard against harm.' This doctrine, needs no further discussion from me. It is well sustained by American and English authority. 16 Am. & Eng. Enc. Law, p. 449, and notes; 2 Jaggard, Torts, 938; Whart. Neg. " I come next to an important question. Sup-from it being out of place or defective, why pose there is no evidence of negligence on the part of the defendant, does the mere fact that the wire fell create a prima facie presumption of negligence, sufficient, in the absence of something appearing in the case to repel the presumption, to support the action? This involves the rule or principle of res ipsa loquitur,—the thing itself speaks. A wire charged with a deadly current of elec-ant to show that such wire was in the street tricity falls from its proper place of elevation above the street to the surface of the street, and there, by contact with a man lawfully passing along the highway, kills him with its current. Are we to presume that its fall came from some negligence of the owner, unless the circumstances of the case or facts shown by him shall show that its fall is not attributable to his negligence, but from some defect which that reasonable care and prudence proper in the case of such deadly wire was unable to discover, or some accident 421; Cooley, Torts, 799; Bigelow, Torts, beyond his control; in other words, from in- 596; Shearm & Redf. Neg. $ 60; full note evitable accident? I answer that the law Huey v. Gahlenbeck (Pa.) 6 Am. St. Rep. 793, raises a prima facie case of negligence. As —a building falling into street; Mulcairns v. stated in that great work, 16 Am. & Eng. Janesville, 67 Wis. 24,-wall of a cistern fallEnc. Laws, p. 448: "As a rule negligence is ing; Dixon v. Pluns, 98 Cal. 384, 20 L. R. A. not presumed. But there are cases where 698,-chisel falling from a scaffold; Houston the maxim, Res ipsa loquitur is directly ap v. Brush, 66 Vt. 331,-injury from being plicable, and from the thing done or omitted struck by a wheel from a tackle block, atnegligence or care is presumed." The rule tached to a derrick; note in Philadelphia, W. cannot be better stated, in its generality, than & B. R. Co. v. Anderson (Md.) 20 Am. St. as given in Scott v. London & St. K. Docks Co. Rep. 493; Thomas v. Western Union Teleg. Co. (1865) 3 Hurlst. & C. 596: "There must be 100 Mass. 156, -telegraph wire swinging over reasonable evidence of negligence. But where a street too low, so as to obstruct travel; Clare the thing is shown to be under the manage-v. National City Bank, 1 Sweeny, 539,-injury ment of the defendant or his servants, and the accident is such as, in the ordinary course of things, does not happen if those who have the management use proper care, if affords reasonable evidence, in the absence of explanation by the defendants, that the accident arose from want of care." In those words it is approved in 1895 in Shafer v. Lacock, 168 Pa. 497, 29 L. R. A. 254, a case where two workmen were repairing a roof, having a fire pot, and from it a fire resulted, destroying the house. "When the physical facts of an accident themselves create a reasonable probability that it resulted from negligence, the physical facts themselves are evidential, and furnish what the law terms evidence of negligence, in conformity with the maxim, Res ipsa loquitur," ia the apt language in which the principle is stated in Seybolt v. New York, L. E. & W. R. Co. 95 N. Y. 562, 47 Am. Rep. 75. One man is hurt from the works or property of another, from plank falling from one's premises; Howser v. Cumberland & P. R. Co. 80 Md. 146, 27 L. R. A. 154,-cross-tie falling from a moving car; Uggla v. West End Street R. Co. 160 Mass. 351; Morris v. Strobel & W. Co. 81 Hun, 1,-sign board falling in street. It is clear that this doctrine applies in cases where a passenger on a railroad, or other conveyance of a common carrier, is injured, there existing in such cases a presumption of negligence against the carrier, because there is an implied contract to safely convey; but it is not confined to such cases. 20 Am. St. Rep. 493; Rose v. Stephens & C. Transp. Co. 11 Fed. Rep. 438. There it is said that, though the presumption is more frequently applied in such cases, yet there is no foundation in authority or reason for such limitation, as the presumption originates from the nature of the act, not from the relation of the parties, and is indulged whenever, as a legiti mate inference, the occurrence is such as, in the ordinary course of things, does not take place when the proper care is exercised. This doctrine has been applied to those using electricity in streets. Western U. Teleg. Co. v. State, Nelson, 82 Md. 293, 31 L. R. A. 572; Haynes v. Raleigh Gas Co. 114 N. C. 203, 26 L. R. A. 810. Public policy, from sheer necessity, must require of a person or corporation using the current of electricity in high tension along highways a very high, if not the highest, degree of care, and this high degree would seem all the more reasonable to justify this rule of presumptive negligence in such cases. The degree of care in the nature of the case being high, and there being little danger if such care be exercised, if accident happen there is afforded a probability of the absence of that care. This high degree of care is exacted of operators of electricity by the ceses just cited, and by Denver Consol. Electric Co. v. Simpson, 21 Colo. 371, 31 L. R. A. 566; Giraudi v. Electric Improv. Co. 107 Cal. 120, 28 L. R. A. 596; Ennis v. Gray, 87 Hun, 355. Croswell, Electricity, $ 249, says that the mere fact that an electric wire sags or falls, if unexplained, is sufficient proof prima facie of negligence. But juries must understand that this presumption is by no means final or conclusive. Uniformly careful, prudent management commensurate with the dangerous character of the works, adequate to the safety of the public, in the absence of specific neglect connected with the accident, will repel such presumption. We must not forget that misfortunes do occur from inevitable accident. A wire may have some defect which the most astute care will not discern. A wire originally good may come to be defective and break, when no human skill could detect its defect. Time and wear deteriorate man and all the means and instruments he uses to gain a living. Paralysis and failure may come upon him at any moment. Whether there is culpable blame is a question for a fair-minded jury under all the circum and was beneficial to the defendant. Defendant asked instruction 9, saying that, if the wire where the accident occurred was defective, and the injury resulted from that defect, that raised no presumption of negligence, and the plaintiff could not recover unless he proved by a preponderance of evidence, in addition to these facts, that the defect occurred through the negligent act or default of the defendant. This instruction is bad. Granting a defect in the wire killing the deceased, a prima facie case for recovery is made. Defendant asked and was refused instruction No. 10: "Where an event takes place, the real cause of which cannot be traced, or is at least not apparent, it ordinarily belongs to that class of occurrences designated as purely accidental, and, there being no presumption of negligence in such cases, the party who asserts negligence cannot recover without showing enough to exclude the case from that class of accidental occurrences." In Wabash, St. L. & P. R. Co. v. Locke, 112 Ind. 412, cited to support the instruction, it is admitted, I think, that in cases where a presumption of negligence arises, the principle of this instruction does not apply. The instruction is bad as applied to this case, in view of the rule above stated of a presumption of negligence from this occurrence. Defendant was refused instruction No. 11: "Where the circumstances of an accident indicate that it may have been unavoidable notwithstanding reasonable and proper care, the plaintiff charging negligence cannot recover without showing that the defendant has violated a duty incumbent upon it from which the injury followed in natural sequence.' I think this instruction proper, in view of the defendant's evidence as to good management, and evidence by witnesses on both sides that electric wires sometimes break from causes impossible to discover. Of course, though the prima facie presumption of negligence from the broken wire exists, yet it is subject to be met by any and all circumstances, features, and evidence in the case tending to give the misIt follows from what I have said that the fortune a cause not springing from the comcourt properly refused to exclude the plain-pany's fault, but purely from an accident, tiff's evidence, as it tended in an appreciable degree to sustain the case, so as to make it proper to go to a jury. So I may say as to the defense of contributory negligence. Carrico v. West Virginia C. & P. R. Co. 35 W. Va. 399, point 3; Yeager v. Bluefield, 40 W. Va. 484. stances. which no reasonable human care could prevent, a hidden defect in the wire, electralysis rendering it suddenly weak, or whatever cause. This instruction presented the question to the jury on the whole breadth and aspect of the case, whether the misfortune And the defense waived the motion to came from unavoidable accident; and it seems exclude by going on with its evidence. to me that, when the circumstances do indiRobinson v. Welty, 40 W. Va. 385; Core v. cate unavoidable accident as the cause, it Ohio River R. Co. 38 W. Va. 456. And it fol- ought to be shown or appear that it was not. lows from the views above given that the court Why was not the defendant entitled to this did not err in refusing to give defendant's in- instruction? I think instruction No. 12 asked struction No. 2, that the mere fact that Snyder by defendant was improperly refused. Wawas injured raised no presumption of negli- bash, St. L. & P. R. Co. v. Locke, 112 Ind. 404. gence against the defendant. In an instruc-(12) The defendant, in erecting and maintaintion in lieu of it the jury was told that the mere fact of injury raised no presumption of negligence, unless the proof establishing the injury showed circumstances from which some negligence or want of care may be attributed to the defendant. This was error against plaintiff, because it negatived the rule that the fall of the wire and injury afforded a prima facie case of negligence, ing its wires, was only bound to anticipate such combinations of circumstances and accidents and injuries therefrom as it may reasonably forecast as likely to happen, taking into account its own past experience and the experience and practice of others in similar situations, together with what is inherently probable in the condition of the wires as they relate to the conduct of its business." As the case is to be retried, I shall not discuss the ; ond trial, and, if not, this court ought not to merits on the evidence as to the liability or express an opinion on part of the evidence. nonliability of the defendant, either with or We will therefore reverse the judgment, grant without reference to contributory negligence, a new trial, and remand. as the evidence may not be the same on a sec KENTUCKY COURT OF APPEALS. MUTUAL LIFE INSURANCE COMPANY | applied for a paid-up insurance within the OF NEW YORK, Appt., v. Benjamin F. JARBOE et al. 1. One insured under a policy entitling him to a paid-up policy in proportion to the premiums paid, after payment of three annual premiums, provided he surrenders the policy before making default or within six months after default in the payment of premiums, is entitled to a paid-up policy after making three payments, although the original policy is not surrendered or a demand made for the paid-up policy within stipulated time, even though it was only thirty days. Where the contract of insurance provides that after default in the payment of premiums the assured shall be entitled to paid-up insurance for a proportionate part of the whole sum assured, if he shall surrender the old policy for the new within a certain specified time, time is of the essence of the contract, and the assured can have no claim against the company unless he complies with the condition precedent, and makes his demand within the stipulated time. It is not so important that the law should be the six months after default, if such demand is rightly settled, as that it should remain stable after it is settled. made during the lifetime of the insured. 2. The delivery of a life insurance policy which is void for failure to pay a premium is not a prerequisite to the institution of an action to obtain judgment for a paid-up policy in accordance with a provision of the policy, as such original policy is of no effect and can be of no value to any person. (October 20, 1897.) Taul, 7 T. B. Mon. 456; Deposit Bank v. If it is expressly stipulated that the policy must be surrendered and receipted in full within a specified time after default in payment of a premium to entitle the assured to a paid-up policy, such a provision must be complied with, and the option must be exercised within the time designated, otherwise it is lost, APPEAL by defendant from a judgment of for time is of the essence of the contract. the Circuit Court for Marion County in favor of plaintiffs in an action brought to compel the issuance of a paid-up insurance policy. Affirmed. The facts are stated in the opinion. Messrs. Grubbs & Morancy, for appellant: The court held in Hexter v. United States L. Ins. Co. 91 Ky. 356, that because Mrs. Hexter had not applied to the company within the twelve months after ceasing to pay premiums as provided in the policy she failed to perform the condition precedent stipulated for, and therefore had no claim whatever against the insurance company. The court held in Northwestern Mut. L. Ins. Co. v. Barbour, 92 Ky. 427, 15 L. R. A. 449, that the six-months limit for applying for paidup insurance was of the essence of the contract, and that because Barbour had not applied within the stipulated time he had no claim against th any. ...ery v. Phanix Mut. L. Ins. Co. 14 Bush, 51, is radically different from the case at bar. In Johnson v. Southern Mut. L. Ins. Co. 79 Ky. 404, it was plain that the court was evidently of the opinion that Johnson should have NOTE. For paid-up policies of insurance, see Northwestern Mut. L. Ins. Co. v. Barbour (Ky.) 15 L. R. A. 449, and note. 2 Joyce, Ins. § 1185; Klein v. New York L. Ins. Co. 104 U. Š. 88, 26 L. ed. 662; Sheerer v. Manhattan L. Ins. Co. 20 Fed. Rep. 886; Knapp v. Homœopathic Mut. L. Ins. Co. 117 U. S. 411, 29 L. ed. 960; New York L. Ins. Co. v. Statham, 93 U. S. 24, 23 L. ed. 789; Universal L. Ins. Co. v. Whitehead, 58 Miss. 226, 38 Am. Rep. 322; McLaughlin v. Equitable L. Assur. Soc. 38 Neb. 725; Hudson v. Knickerbocker L. Ins. Co. 28 N. J. Eq. 167; People v. Widows' & Orphans' Ben. L. Ins. Co. 15 Hun, 8; Smith v. National L. Ins. Co. 103 Pa. 177, 49 Am. Rep. 121; Universal L. Ins. Co. v. Devore, 83 Va. 267; Phonix Mut. L. Ins. Co. v. Baker, 85 Ill. 410; Chase v. Phonix Mut. L. Ins. Co. 67 Me. 85; Atty. Gen. v. Continental L. Ins. Co. 93 N. Y. 70; Williams v. Republic Ins. Co. 19 Mich. 469; Pitt v. Berkshire L. Ins. Co. 100 Mass. 500; Robert v. New England Mut. L. Ins. Co. 1 Disney (Ohio) 355; Coffey v. Universal L. Ins. Co. 7 Fed. Rep. 301; Moses v. Brooklyn L. Ins. Co. 50 Ga. 196; Thompson v. Knickerbocker L. Ins. Co. 104 U. S. 252, 26 L. ed. 765; Knickerbocker L. Ins. Co. v. Pendleton, 112 U. S. 696, 28 L. ed. 866. Guffy, J., delivered the opinion of the court: This suit was instituted in the Marion circuit court by the appellees against the appellant, seeking to obtain judgment for a paid-up |