Harron v. City of London Fire Insurance

Citations

• 88 Cal. 16
• 25 P. 982
• 1891 Cal. LEXIS 639

Syllabus

<p>Fire Insurance—Parol Contract — Authority op Special Agent—Instructions from General Agent. — Power given to a special agent of a fire insurance company to receive proposals for insurance, and to receive premiums, subject to the rules of the company and to the instructions given by its general agent, includes power to make a parol contract for insurance sanctioned by instructions from the general agent.</p> <p>In. —Waiver of Written Application — Oral Promise of Policy—Proof of Agent’s Authority. — A declaration by the special agent to the assured, made at the time of his application for insurance, that it was unnecessary for him to make a written application, as the general agent was asking for the insurance, and a promise by the special agent that a policy should be given to the assured which would cover the insurance applied for from the date of the oral application, taken in connection with letters from the general agent asking if the insurance would be required, and promising to give attention to it, and to place the insurance in any companies specially desired, is sufficient proof of the special agent’s authority to hind the company for insurance from the date of the oral application.</p>