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In Harder v. City of Minneapolis, 40 Minn. 446, 42 N. W. 350, a similar statute (save it did not contain the word "substantially") was under consideration. The notice, in describing the place where the injury occurred, erroneously stated that it occurred one block removed from the place where the injury actually occurred. In construing that statute the court (40 Minn. page 447, 42 N. W. 350), said:

"In Nichols v. City of Minneapolis, 30 Minn. 545, 16 N. W. 410, the manifest object of the provision of the charter now being considered was declared to be that the city might have timely notice of every claim made upon it, and thus be enabled to ascertain the facts, to establish them while witnesses are obtainable, and the occurrence and the condition of the place at the time, fresh in their recollection. It is obvious, then, that a notice which informs the proper authorities of the place with a reasonable certainty, and so that it can be found with reasonable diligence, is sufficient. a notice of this character ought not to be construed with technical strictness. It is enough if it gives to the officer upon whom it must be served information with substantial certainty as to the place of injury, so as to be of aid to him in investigating the question of the liability of the municipality. Spellman v. Chicopee, 131 Mass. 443. And when it conveys the necessary information to the proper person it is good, even though there are some inaccuracies in it. City of La Crosse v. Town of Melrose, 22 Wis. 459."

350. The notice is not a pleading, and the statutory requirements as to its validity should it difficult for the average citizen to draw a not receive so strict a construction as to make good notice. Tattan v. City, 128 Mich. 650, 651, 87 N. W. 894; Oesterreich v. City, 137 Mich. 415, 416, 100 N. W. 593; Buchmeier v. City, 138 Iowa, 623, 116 N. W. 695; Connor v. Salt Lake City, 28 Utah, 259, 78 Pac. 479."

In Tattan v. City of Detroit, 128 Mich. 650, 651, 87 N. W. 894, 895, the court, in construing a similar statute, said:

"There can be no doubt that this notice sufficiently described the time, place, and cause of the injury, but the learned circuit judge was of the opinion that the nature of the injury was not sufficiently specified. This statute is one in derogation of common right. It should not be construed with liberality against the right of an injured party to maintain an action against the city, but, on the other hand, should receive a reasonably strict construction. By other provisions of the charter it is incumbent up

an injured party to present his claim to the common council, and the case is then open to full investigation. This, as well as the notice to the head of the law department, must precede the institution of suit."

In Oesterreich v. City of Detroit, 137 Mich. 415, 100 N. W. 593, the court said:

"Notice to municipal officers of a claim for personal injuries is sufficient if it describes the time, place, *** and nature of the injury in general terms."

And in Buchmeier v. Davenport, 138 Iowa, 623, 116 N. W. 695, the court held, as stated in the syllabus, that:

"The statute requiring notice to be given a city of the place and defect in a street or walk which it is claimed caused or contributed to the injury will be liberally construed, so that parties having a meritorious claim will not be cut off by mere technicalities as to the form of the notice. Under this rule a notice, though failing to designate on which of four possible where it was not shown that there was any walk crosswalks at a street intersection the injury might have occurred, is not fatally defective other than the one on which the injury occur

In Kandelin v. City of Ely, 110 Minn. 55, 124 N. W. 449, the statute provided that every person who claims damages from any city, village, or borough, for injuries on account of a defective street, shall give notice within 30 days thereafter, stating the time, place, and circumstances thereof. In construing that statute the court on page 58, of 110 Minn., on page 450 of 124 N. W., said: of this kind is to furnish the municipal offi"The object of the statute in requiring notices cers information of the time and place of an accident and the nature of the injuries received, to the end that due investigation may be made to determine the truth and merits of the claims As previously stated, I am of the opinmade. Any notice, therefore, which conveys formation sufficient to enable the municipal offi-ion that the great weight of authority is in cers to determine these facts, answers every purpose of the statute. Nicol v. City of St. Paul, 80 Minn. 415, 83 N. W. 375; Terryll_v. City of Faribault, 84 Minn. 341, 87 N. W. 917."

In Larkin v. City of Minneapolis, 112

Minn. 311, 127 N. W. 1129, the statute merely required the notice to state "the time, place and circumstances of the injury com

plained of."

In construing that statute, the court on page 313 of 112 Minn., on page 1130 of 127 N. W., said:

"The construction which this court has in many instances placed upon this statute is familiar and obviously reasonable. The essential criterion is whether the notice gives the city officials such information that due investigation may be made to determine the truth and merits of the claims made. Nicol v. City of St. Paul, 80 Minn. 415, 83 N. W. 375; Kandelin v. City of Ely, 110 Minn. 55, 124 N. W. 449. 'A notice of this character ought not to be construed with technical strictness.' Harder v. City of Minneapolis, 40 Minn. 446, 42 N. W.

red."

favor of a liberal construction of the statute, to say nothing of the overwhelming reasons therefor.

IV. There is another reason why this statute should receive a liberal construction, which is fully supported by the authorities, and that is the plaintiff's cause of action is bottomed upon the common law, and not

upon the statute mentioned.

The statute

in question does not purport to create a cause of action of any kind, but the design of the Legislature was to place a condition precedent upon his right to a recovery in a common-law cause of action, and that condition is that the plaintiff give to the city "written notice of the time when, the place where, and the character and circumstances of the injury," within 90 days from the date the injury occurred.

Clearly it was not the design of the Legislature to defeat, by a mere technicality, a righteous cause of action to recover dam.

even if done, it would have been so recent thereafter that those making the investigation would have discovered the changes wrought by the hand of man or by natural causes.

ages for an injury caused by the negligence | cal facts could have been blotted out, and, of the city, and not that of the injured party; but the obvious intention was to place the salient facts of the case in the hands of the city officers, and thereby enable them, before the physical conditions of the street have changed, to ascertain whether the claim was true and just, or fictitious and fraudulent. Otherwise the shield placed in the hands of the city by the Legislature would be converted into a two-edged sword, to be wielded by a mighty gladiator against unsuspecting and wounded foe, and thereby take advantage of its own wrong.

an

But it is argued that the notice given in the case at bar did not correctly state the time when the injury occurred, and therefore is not within the letter of the saving clause of the statute. It is true the notice was not given according to the letter of the statute; but, when we consider the purpose the statute was designed to accomplish, can it be seriously contended that it does not fall squarely within the spirit thereof? I think not. And as has been frequently said, by this and other courts, the spirit of a statute is the life of it, and is just as much a part thereof as if it had been written therein.

This statute is not like one which creates a "new" cause of action, or amends an "old," if I may so use the term, whether of statutory or common-law origin, by adding thereto a condition precedent, not merely to a right to a recovery, but as a substantial element of the case, just as much so as is negligence a necessary ingredient in a cause of action created by our damage act, and that element or ingredient may consist of a condition precedent, or any other fact or thing the Legislature may deem proper to inject into the cause of action.

The

In this case, as was said by this court in the Reno Case, supra, "It is not claimed that the notice was intended to deceive,' and I will add to mislead, the officers of the city. But independent of that, in my opinion, a variance of one day between the date of the injury and that stated in the notice could not ordinarily mislead, deceive, or damage the city. The physical defects which ordinarily cause the injury would still exist, and be just as apparent, to the officer making the inspection, under a notice stating that it occurred on the 1st of the month as if it had stated that it occurred on the 2d. In either case the city would be given full opportunity to make the investigation designed by the Legislature. This is made clear by the fact that the statute under consideration does not require that the notice shall be given on the day the injury occurred, but that it shall be No; this is an old action, complete withgiven within 90 days thereafter, stating the in itself, unaided or burdened with the adtime when the injury occurred. To illusTo illus- dition of statutory elements; the statute trate my idea, which I believe was the in- simply denies a recovery in this class of tention of the Legislature: Suppose the cases without the condition precedent has plaintiff should have waited until the ex- been performed within the designated time. piration of 89 days after the injury occur- I do not wish to be misunderstood. red, which she would have had a perfect condition precedent controls in all cases to right to do under the plain letter of the which it is applicable, whether old or new, statute, and had then given the notice, cor- of common-law or statutory origin; the rectly stating the time the injury occurred, distinction being that in the class of statuwhich, as stated, was September 2d, could tory actions mentioned the condition constiit with any degree of plausibility, reason, tutes an element in the case, while in this or justice be contended that the city would class it only goes to the remedy. A much thereby have been placed in a more advanta- more liberal construction is given to the geous position than it was placed by hav- notice when applied to the latter classes of Ing the notice served upon it on September. cases than when applied to the former. I 10th, the date it was served, stating that am not now speaking as to the service of the injury occurred on the 1st, the day be- the notice in either class of the cases; the fore the injury occurred? In my opinion In my opinion service must be made within the designated that question must be answered in the nega- time in both classes, and no excuse for nontive, and the converse thereof affirmed. In In compliance will be accepted; but I am the supposed case the city would have re- speaking of the contents of the notice, and ceived no notice of the claim whatever until whether or not the language used therein practically three months after the injury complies with the requirements of the statoccurred, during which time many physical ute. ute. In the statutory class, where the condichanges might have transpired, either of tion becomes an element in the case, its which would have greatly hampered the performance must be pleaded as an element city in the investigation of the facts of thereof with the same degree of certainty the case. But not so in the case at bar; that any other fact of the case must be the notice was given within eight days of pleaded. So if the language of the notice the time when the accident happened, leav- is as definite and certain as the rules of

the notice is a sufficient compliance with the statute; in fact, most of the courts hold that the notice need not be as definite and certain as the allegation of the petition; but even that degree of certainty need not be stated in the common-law class of cases, because the performance of the condition constitutes no element thereof.

There is no statute which expressly requires the performance of the condition to be pleaded in either class of cases, but the code and common-law rules of pleading require that all the facts constituting the plaintiff's cause of action must be pleaded or stated in the petition, and, if not so pleaded, the petition is demurrable; and, having shown that in the statutory class the performance of the condition constitutes an integral element of the plaintiff's case, it must be pleaded under the mandate of the code and common-law rules just mentioned. All of the authorities so hold; but, as to the commonlaw class of actions, there is no statute, code, or common-law rule of pleading which requires the performance of the condition to be pleaded, and the obvious reason for that omission is the fact that the condition forms no part of the plaintiff's case. It is true that most of the cases in general terms hold that the performance of the condition in

both classes of cases must be pleaded, but the differentiating features of the two classes of cases were not called to the attention of the courts, nor have they ever discussed the question in so far as I have been able to ascertain. In other words, in the statutory class the notice and its service constitute a two-fold office, one to create an ele

ment in the case, and the other to notify the

city of the claim; but in the common-law class the notice and its service perform but the one purpose, and that is to notify the city of the injury, the place where, and the time when it occurred. And as previously stated, that if that notice is sufficiently definite to enable the officers of the city to locate the place where, and the time when, the injury occurred, it is sufficient.

The statute does not contemplate that the notice shall be so certain and definite in terms as to notify the city officers with such precision that they may with perfect confidence rely upon the correctness of the notice, and proceed with the trial of the cause without making an investigation of the facts of the case. However desirable that might be on the part of the officers, yet all of the authorities hold that they must arm themselves with the notice, and, with the assistance of its light, make an investigation and ascertain the truthfulness or the falsity of the statements contained in the notice.

A statutory class of actions of the character previously mentioned is created by section 1, p. 599, c. 393, of the Acts of Kansas for 1903. It provides:

"Every railroad company organized or doing business in this state shall be liable for all damages done to any employé of said company in consequence of any negligence of its agents, or by any mismanagement of its engineers, or other employés, to any person sustaining such damage; provided, that notice in writing of the injury so sustained, stating the time and place thereof, shall have been given by or on behalf of the person injured, to such railroad company within ninety days after the occurrence of the accident."

This act is an amendment of section 1 of chapter 93 of the Laws of Kansas of 1874, and the amendment consists of the addition of the proviso shown by the previous quotation. From and after the amendment took effect the cause of action therein mentioned was not complete until the notice had been given, or, in other words, the cause of action is completed upon the performance of the condition by serving the notice mentioned within the specified time.

I say this because Mr. Webster defines the word "provided" as used in the statute to mean "on condition"; and, according to this definition, the statute means the same as if the words "on condition" had been used therein instead of the word "provided," which, of course, would be a condition pre

cedent, because the notice must first be given. But there is no such language contained in the act under consideration. Our Legislature was dealing with a class of actions that had existed in this state from its organization, and the design was not to create a new cause. of action, or to add a condition precedent, as a new element, to a cause of of the Legislature was to destroy an existaction then in existence, but the intention ing cause of action where the notice is not

given within the 90 days.

this Kansas statute, and of a similar statThe same views here expressed regarding ute of this state, are announced by this court in the case of Mathison v. Railroad, 219 Mo. 542, 118 S. W. 9. On page 548 of 219 Mo., on page 10 of 118 S. W., this court said:

"That statute does not purport to give an absolute cause of action in favor of an employé of a railroad company who is injured through but only gives the injured employé that right negligence of its engineers or other employés, provided he gives the company notice in writing of the injuries sustained, and of the time and place it occurred, within ninety days after the accident occurred. That being true, then it is clear respondent had no cause of action until he gave the statutory notice. In other words, it company was not liable for such damages mereis apparent from reading the statute that the ly because respondent was injured by other employés of the company, for the simple reason that he had no cause of action under the statute until the notice was properly given. giving of that notice was one of the essential elements of respondent's case, and it should, therefore, have been alleged in the petition and established by the proof before he would have been entitled to a recovery. Without that allegation the petition is fatally defective, and does not state facts sufficient to constitute a cause of action.

The

"Where the right of the plaintiff to recover depends upon conditions stated in the same sec

tion of the statute which gives the right of ac- case cannot be truthfully stated in the pleadtion, then the petition must allege the perform-ings or proved by the evidence. ance of those conditions or requirements, otherwise it will state no cause of action. McIntosh v. Railroad, 103 Mo. 131 [15 S. W. 80]. "In the case above cited, Barclay, J., in discussing the question of pleading a cause of action given by a similar statute, used the following language: 'It was expressly held in Barker v. Railroad (1886) 91 Mo. 86 [14 S. W. 280], that any person claiming statutory damages for the death of another, under section 2121, Revised Statutes 1879, must, both by pleading and proofs, bring himself within its terms. Here the action was brought within the time (six months) during which the widow of deceased (had he left one) would have had the exclusive right to sue. Yet the petition does

not show that he was unmarried when he died. The right of the parents to maintain the action depends in part on the facts that he left neither widow nor minor children surviving him, and those facts should be alleged and proved if

denied.'

"This court, in the case of Reno v. St. Joseph, 169 Mo. 642, 70 S. W. 123, recognized the necessity of pleading the notice required by section 5724, Revised Statutes 1899, which only requires the notice to be given before an action can be maintained, and does not withhold the right of action itself until the notice is given, as in the case under the Kansas statute. If it is necessary to plead the statute in the former case, then a fortiori should it be pleaded in the latter. And the same view of the matter was taken by the Kansas City Court of Appeals in the case of Burnette v. St. Joseph, 112 Mo. App. loc. cit. 669 [87 S. W. 589]. To the same effect is Baird v. Railroad, 146 Mo. loc. cit. 279 [48 S. W. 78]."

From that opinion it is seen that the Kansas statute and all others like it must be

strictly construed, because the performance of the condition becomes a part of or an element in the case, and, if not performed, the

So, under this view of the case, we must return to the statute under consideration, and glean therefrom the meaning of the Legislature as expressed therein; but in so doing we have the right to place ourselves in the place of the Legislature, and view the law as it existed prior to this enactment, the imperfections of the law as it then existed, and the evils the amendment was designed to remedy. This we have done in a former part of this opinion, which, to my mind, clearly shows that a substantial compliance with the statute was all that the Legislature intended.

I do not pretend to say that a case might not arise where a mistake of one day is made or where a variance of a few hours occurs between the date of the injury and that stated in the notice might not be fatal to a recovery; but what I do mean to say is that, in my opinion, this is not that case. case the plaintiff substantially complied with the statute by stating in the notice that the injury complained of occurred "on or about September 1st, 1913," while in fact it happened on the 2d of that month; that allegation in a petition would have been sufficient, even though the statute had required it to be pleaded.

For the reasons stated I dissent from the majority opinion, and believe the judgment should be reversed, and the cause remanded

for a new trial.

BOND and WALKER, JJ., join in these views.

(199 Mo. App. 544)

in favor of the defendants; whereupon plain

LANDAU v. NEW YORK LIFE INS. CO. tiff brings this appeal.
et al. (No. 15164.)
(St. Louis Court of Appeals. Missouri.

INSURANCE POLICY.

4, 1918.)

June

184- REBATES-VALIDITY OF Rev. St. 1909, §§ 6934, 6935, prohibiting and penalizing rebates by insurance companies, do not render void a policy executed and delivered, although insured is promised a rebate on the premiums, nor is the insured excused from paying such premiums, nor can he recover premiums paid.

Appeal from St. Louis Circuit Court; Wilson A. Taylor, Judge.

Action by Alexander Landau against the New York Life Insurance Company, a corporation, and George C. Stinde. Judgment for defendants, and plaintiff appeals. firmed.

Af

Rippey & Kingsland, of St. Louis, for appellant. Jones, Hocker, Sullivan & Angert, of St. Louis (James H. McIntosh, of New York City, of counsel), for respondent N. Y. Life

Ins. Co.

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BECKER, J. Plaintiff seeks to recover of the defendant $1,374.75 as for moneys had and received. The petition alleges that the defendant George C. Stinde, acting for and on behalf of the defendant New York Life Insurance Company, procured from the plaintiff certain applications for policies of insurance to be issued by the defendant New York Life Insurance Company on the life of the plaintiff, and, as a direct inducement for plaintiffs taking out the insurance defendant Stinde offered to pay, allow, or give to plaintiff a rebate on the premiums payable on said policies; that plaintiff paid to the defendant New York Life Insurance Company $1,374.75 as a first premium payable on the purported policies of insurance issued to the plaintiff in pursuance to the applications procured as aforesaid. The petition further alleges that the said policies issued under these circumstances were illegal and void, and therefore that no consideration passed to the plaintiff for said sum of money paid by him as premiums therefor; that the plaintiff returned the policies to the defendant New York Life Insurance Company and demanded a return of the money paid by him as the first premiums on the alleged invalid policies of insurance, but that defendant failed and refused to pay the plaintiff said sum or any part thereof.

The sole proposition presented to this court for determination is the question of the sufficiency of the petition to state a cause of action against either or both of the defendants. To determine this question it will be necessary that we construe sections 6934 and 6935, Revised Statutes of Missouri 1909, upon which sections plaintiff must rely to warrant a recovery on his part.

surance.

Section 6934 prohibits discriminations and rebates or any special favor as an inducement to the taking out of a policy of life inBy one of the provisions of this section life insurance companies, or any officer, agent, solicitor, or representative thereof, are prohibited from paying, allowing, or giving, or offering to pay, allow or give, directly or indirectly, as inducements to insurance, any rebate of the premium payable on the policy. Section 6935 provides as a penalty for the violation of any of the provisions of section 6934 by any insurance company, the revocation of its license to do business in the state, and the barring of such guilty company for a period of five years from the further transaction of any business in this state, and further provides that any agent who shall violate any of the provisions of said section shall be deemed guilty of a misdemeanor, and on conviction thereof shall be fined not less than $50 nor more than $500 for each offense, or imprisonment in the county jail for not less than 30 days nor more than 6 months, or by both such fine and imprisonment.

It is argued by learned counsel for appellant that the penalty inflicted by the statute implies a prohibition against the writing of any insurance upon a promise to rebate a part of the premium, and that policies of insurance entered into in violation of such prohibition of the statute are absolutely void, even though the statute itself does not mention that the policies so issued shall be void.

After carefully considering the statute and the undoubted intention of the legislators who enacted the same, and considering the said sections in light of the recognized rules of judicial construction, we cannot hold that a policy of insurance which has been duly executed, delivered, and accepted by the insured, and the first premium for such policy paid for, is void by reason of the fact that the insurance company or its representative promised to give the insured a rebate of part of the premium paid for such insurance.

The defendants filed separate demurrers; The wording of the statute is plain that it each defendant predicating its separate de- is intended not to prohibit the writing of murrer on the ground that the petition fail- life insurance, but that it prohibits the promed to state facts sufficient to constitute a ising and giving of rebates on premiums cause of action. These demurrers were sus- We concede at the outset that any contract tained by the court. The plaintiff stood on entered into or note given for a rebate would his petition and refused to plead further, and be absolutely void because the statute prohibfinal judgment was entered on the demurrers its the promising or giving of any rebate.

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