Phenix Insurance v. Searles
Supreme Court of Georgia
Action on insurance policy. Before Judge Eve. City court of Richmond county. May term, 189‘5. On November 1, 1893, a policy of fire insurance for $300 was issued on a dwelling-house in Augusta, for ■twelve months from that date. Upon oral application for the policy, the local agents of the insurance company .sent an inspector to' examine the premises, and issued the policy after such examination was made.
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Action on insurance policy. Before Judge Eve. City court of Richmond county. May term, 189‘5. On November 1, 1893, a policy of fire insurance for $300 was issued on a dwelling-house in Augusta, for ■twelve months from that date. Upon oral application for the policy, the local agents of the insurance company .sent an inspector to' examine the premises, and issued the policy after such examination was made. The applicant, in stating to said agents where the house was, informed ■them that it was on Dr. ITarison’s land. The premium for ■the policy ($3.00) was received by the company’s agents .at…
1Opinion of the CourtAtkinson, J.
1. Facts communicated to an insurance agent who in behalf of the company represented by him receives and acts upon an application for insurance, collects the premium and issues the policy, are in law considered as having been communicated to the company itself, and the agent’s knowledge of such facts is imputable to it.
2. Although a policy covering a house stipulated that it should he void if the house was “on ground not owned by the insured *98in. fee simple,” and' the building thus insured was in fact on land owned by another, the policy, so far as relates to this matter, was nevertheless…
2Cited by34 opinions
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- Southern Fire Insurance v. KnightSupreme Court of Georgia · 1900
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