Western Mutual Insurance Company v. Wood

The pertinent facts in this case are not in dispute. One Cecil Wood secured a standard automobile liability policy of insurance in the Western Mutual Insurance Company of Des Moines, covering his Ford automobile. The policy was secured from H. C. B.atty, of Rockford, Iowa, who had acted for the company as an agent for about twenty-five years with authority to solicit applications for insurance. Mr. Batty’s agency arrangement with Western was the familiar one whereby he would take the proposed insured’s application, send it to Western in Des Moines, and when the policy would be sent to him he…