Inter-Ocean Casualty Co. v. Scruggs

Appellee, Henrietta Scruggs, sued appellant, Inter-Ocean Casualty Company, upon a policy of insurance issued by appellant to Calvin Scruggs, husband of appellee. The policy provided indemnity for loss of life, limb, limbs, sight, or time by accidental means, and for loss of time and death from sickness not caused by accidental means, subject to certain limitations which we shall presently point out.

The front page of the policy, so far as pertinent to the questions now involved, appears substantially as follows:

“The Improved ‘Ten Pay’ Special Policy.

“This policy provides indemnify for loss of…