Mitchell v. Western Fire Insurance

Through its local agent, Emil Ludwig, of Flint, Michigan, the Western Fire Insurance Company of Fort Scott, Kansas, issued a policy to Mrs. Dorothy Kirschner, a resident of Flint, insuring her against loss or damage by reason of the upset or collision of a Cadillac five-passenger sedan. Ludwig represented defendant as well as a number of other insurance companies. He solicited business, , wrote policies, and reported claims. He was not empowered to adjust or pay claims for defendant, but occasionally settled small claims at the request or with the permission of defendant’s claims attorney. On…