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Vinik v. Niagara Fire Insurance Co.

Decided: March 23, 1934.

ANTOLE VINIK, PLAINTIFF-APPELLANT,
v.
NIAGARA FIRE INSURANCE COMPANY, A CORPORATION, DEFENDANT-RESPONDENT



On appeals from judgments of the Middlesex County Circuit Court and Middlesex Court of Common Pleas.

For the appellant, Joseph T. Lieblich.

For the respondent, Arthur T. Vanderbilt and David Stoffer.

Before Brogan, Chief Justice, and Justices Trenchard and Heher.

Heher

The opinion of the court was delivered by

HEHER, J. Respondent undertook, by two policies of insurance issued to appellant, to indemnify him against loss and damage sustained to a farm dwelling house and chattels contained therein by fire. Appellant claims that the damage to the building was in excess of $6,000, the full coverage of the two policies thereon, and that his personal property was damaged in the sum of $707. The actions were tried together, and the jury returned a verdict for defendant.

The first point urged by appellant is that the trial judge erred in permitting an amendment to the answer interposed in one of the actions, to include defenses setting up (1) breach of a warranty by plaintiff that the insured building would be occupied exclusively for dwelling purposes; (2) a change other than by death of the insured in the possession

of the subject of insurance, with increase of hazard, without an agreement to that effect being endorsed on the policy or added thereto, as provided by the terms of the policy; and (3) the existence of another policy in the sum of $1,500 covering the building. This contention is without merit. Appellant's counsel consented to the amendment averring the existence of another policy. As to the others, while an exception was taken, no ground of objection was stated. Surprise was not alleged. Counsel merely stated: "I came here prepared to try the case on the issues raised." But this is manifestly not a claim of surprise. The amendment of a pleading is within the discretion of the court, and therefore not the subject of a ground of appeal, unless there is an abuse of discretion. Allen, Inc., v. Spring Street Realty Co., 111 N.J.L. 88; 166 A. 199. There was no abuse of discretion here.

The third and fourth grounds of appeal have been abandoned. The second, fifth and seventh challenge rulings on evidence. The question made the basis of the second ground for reversal was clearly a proper one. Its purpose was to show that he acquired the property by gift from his mother a year before the fire. No exception was taken to the questions made the subjects of the fifth and seventh grounds.

The next point made is that the trial judge erred in directing a witness to use a written memorandum to aid him in testifying, and in denying appellant an opportunity to examine the witness as to the necessity for its use. The witness, an expert, was asked to give an estimate of the replacement value of the insured building. We are not aware of any reason why he should not have used the memorandum, if he found it necessary to do so. But counsel for appellant complains that he was not first allowed to examine the witness with respect to the need of it. He inquired "may I examine the witness on the use of the paper?" and the trial judge replied in the negative. Assuming, without deciding, that this was error, it does not appear that the witness actually used the memorandum to refresh his recollection. The trial judge did not direct him to use the memorandum. He

merely said: "If you need the paper to refresh your recollection, you may refer to it." But it does not appear that he did refer to it. Moreover, the error, if any, was harmless. The witness was exhaustively cross-examined in reference to his estimate of the replacement value. After all, the vital question was the accuracy of his estimate, not the circumstances connected with the making of the memorandum ...


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