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135 Nat'l Corp. Rep. 1 (1957)

handle is hein.journals/natcorprep135 and id is 1 raw text is: 
Volume 135. Number I.                                          CHICAGO, JUNE 21, 1957                            Subscription $5 a Year. Ten Cents a Copy


  EDWIN HALL COOKE, OFFICIAL
          REPORTER.
   (Volume 11, Second Series.)
   (Illinois Advance Sheets.)
   Punzak et al., appellees, vs.
DeLano    et al., appellants.
(Klingbiel, C. J.) Vol. 11
(2nd), p. 117. (No. 34272.-
Decree affirmed.) Building re-
strictions-restrictions create
right in the nature of an ease-
ment. Building line restric-
tions upon the use of property
which are imposed as a part
of a general plan for the bene-
fit of all lots, give to the pur-
chasers a right in the nature
of an easement,. which will be
enforced in equity against
owners of other lots so af-
fected.
  Same-general rule as to
wheh a restriction is waived.
Equity will not enforce a
building line restriction on the
use of property where the evi-
dence shows that the plaintiff
has waived or abandoned it,
,and the question whether such
an abandonment has occurred
depends upon the facts and
circumstances of the particu-
lar case, and even though the
plaintiff's own structure proj-
ect9 beyond the building line,
he is-not necessarily precluded
from enforcing the restriction
unless his own breach is a ma-
terial and substantial one.
   Same--when finding that
building line restriction is not
waived or abandoned will be
sustained. Where, in a suit to
enjoin defendants from violat-
ing a building line restriction,
the evidence establishes that
the houses of two of the plain-
tiffs, as well as some other
houses in the addition, have
porches which extend beyond
[the building line, and the
buildings of some other 'prop-
erty owners extend over the
line two feet or less, the mas-
ter's finding that such viola-
tions are not sufficiently seri-
ous or material to indicate a
waiver or abandonment of the
restriction will be sustained,
where the porches do not form
substantial parts of the houses
and do not interfere with light
and air.
   Appeal and error-when
findings of master will not be
disturbed. Where a master in
chancery hears the evidence
and makes findings thereon,
which findings are approved
by the chancellor who con-
siders the evidence on excep-
tions thereto, such findings
will not be disturbed on re-
view unless manifestly against
the weight of the evidence.


  Building restrictions--what
is not sufficient to indicate
that plaintiffs have acquiesced
in general abandonment of
luilding  line  restriction.
Where a building line restric-
tion is imposed upon all lots
in an 'addition devoted to com-
mercial and residential uses as
a part of a general plan for
the benefit of all lots in the
addition, and where there is
no showing that certain minor
violations of the restriction
are material or close enough
to plaintiffs' property to have
an appreciable effect thereon,
such evidence is not sufficient
to indicate acquiescence by
plaintiffs in a general aban-
donment of the restriction
and they are not precluded
from enjoining the defendants
from violating its provisions,
for unless minor violations by
others have a substantial rela-
tion to the plaintiffs' property,
or interfere with its enjoy-
ment, the fact that they have
not expressed objection does
not preclude them from ob-
jecting to one which injuri-
ously affects them.
   Same - mere fact of a
change in the character of the
neighborhood does not war-
rant relieving property from
set-back restriction. Defend-
ants in an action to enjoin
violation of a subdivision set-
back restriction may not ar-
gue that the restriction should
not be enforced because the
character of the neighborhood
has changed into one that is
predominantly commercial,
for the mere fact that a
change has occurred in the
neighborhood does not, alone,
warrant a court of equity in
relieving property of set-back
restrictions, particularly
where there is no evidence
concerning its former charac-
ter, or anything to show that
the object of the restriction
can no longer be accomplished
by its enforcement.
           *   *  *
   Macdonald, appellant, vs.
 La Salle National Bank, Con-
 servator, et al., appellees.
 (Hershey, J.) Vol. 11 (2nd),
 p. 122.  (No. 34258.-Judg-
 ment affirmed.) Insane per-
 sons-when petitioner may
 not claim that statute under
 which she was adjudged in-
 competent is-invalid. Where
 petitioner, 17 years after be-
 ing adjudged an incompetent
 person, seeks to vacate the or-
 der appointing a conservator
 for her, alleging that the court
    (Continued on page 9)


CAUSE OF ACTION OPERATING

       UPON SEVERAL PERSONS

                 AT ONE TIME

                    Insurance Law


United States Circuit Court of
           Appeals,
         Fifth Circuit.
       December 15, 1954.
 Saint Paul-Mercury Indemnity
     Company vs. Rutland.
           Syllabus.
 An automobile truck, being operated
 in a negligent manner by the owner's
 employee and in furtherance of his
 master's business, collided  with  a
 freight train derailing the train and
 causing damage to sixteen cars thereof,
the contents of said cars, and the road-
bed of the railroad company. The dam-
aged railroad cars belonged to fourteen
separate owners, the contents to
various shippers. If one cause of action
operates upon several persons at one
time, it cannot be regarded as a gen-
eral accident, but the injury to each
individual is a separate accident with-
in the meaning of an insurance con-
tract in a specified sum against liability
to pay claims for personal injuries or
property damage. The words each
accident, as used in the policy in the
instant case, must be construed from
the point of view of the person whose
property was injured. When separate
property of each claimant is damaged,
an accident occurs to the property of
each owner.
  Action on 'automobile lia-
bility policy which limited
amount of liability for prop-
erty damage for each acci-
dent, arising out of collision
of insured automobile with a
train containing cars belong-
ing to 14 separate owners and
contents of such cars belong-
ing to various shippers. The
United States District Court
for the Northern District of
4Georgia, Frank A. Hooper, J.,
rendered a judgment for plain-
tiff and defendant appealed.
  Affirmed.
  217 Fed. (2nd) 585.'
  Before Holmes, Borah, and
Tuttle, Circuit Judges.
  Holmes, lCircuit Judge:
  The parties are in agree-
ment that the only question
before this court is the mean-
ing of the words each acci-
dent in an insurance policy
under the circumstances of the
case at bar. The facts were
stipulated, and the appellee's
brief opens with the state-
ment that the case before the
court is fairly stated in the
brief  of  appellant.  Conse-
quently, we shall look to the
appellant's brief for a fair and
condensed statement of the
facts.
  An automobile truck of ap-
pellee, being operated in a neg-
ligent manner by his employee
and in futherance of his mas-
ter's business, collided in Geor-
gia with a freight train of a
railroad  company,   derailing
the train and causing damage
to sixteen cars thereof, the
contents of said cars, and the
roadbed of said company upon
which the train was travelling.
The damaged railway cars be-
longed to fourteen separate
owners, and were damaged in
amounts ranging from $349.63


to $4,015.67, the total damage
to said sixteen cars being $41,-
371.31. The contents of said
cars belonged to various ship-
pers, and were damaged in the
aggregate sum of $7,638.91.
The roadbed of the company,
the operator of the train, was
damaged in the amount of
$9,000. The company institu-
ted suit against appellee for
the aforesaid damages in the
sum of $75,000.
   At the time of said collision,
there was in full force and
effect a comprehensive auto-
mobile liability insurance pol-
icy, issued by appellant in
favor of appellee, which pro-
vided for limiting the insurer's
liability to $100,000 for bodily
injury to each person, $300,-
000 for each occurrence, and
$5,000 property damage for
each accident. The insurer
agreed to pay on behalf of the
insured all sums which the in-
sured became obligated to pay
by reason of the liability im-
posed upon him by law or con-
tract for damages sustained by
any person or persons because
of bodily injury, sickness, or
death; and the insier further
agreed to pay on behalf of the
insured all sums which the
insured became obligated to
pay by reason of the liability
imposed upon him by law or
contract for damages because
of injury to-or destruction of
property, including the loss of
the use thereof, caused by ac-
cident and arising out of the
ownership, maintenance, or
use of any automobile.
   Said policy was counter-
 signed at Atlanta, Georgia, and
 was issued to appellee in said
 state. Having been so issued,
 the policy is a Georgia con-
 tract and is governed by the
 laws of that state. Therefore
 we must give full considera-
 tion to the rule that requires
 all ambiguities in the policy
 to be construed most favor-
 ably to the insured, and the
 words used in the policy must
 be given their usual and ord-
 inary signification. Jacobs vs.
 Merchaint'..:Ei c ..Asurance
 Corp., 5. : .rr *.A. 55;
 Alito2Qbile on ..C.o., of Hart-
     fo   T. ~:.Vs ny~8~i.
 2U6 J4.2nd. 41; Eddy vt'.
 Traveler4 I. Cp.,:.-aiftrd,
 Conn.,10Cii-12F2,::8;
 Pink, N. Y., Superintendent
 of Insurance vs. Georgia Sta-
 ges, Inc., D.C., 35 F.Supp. 437;
 Reynolds Metals Co. vs. In-
    (Continued on page 10)


RECENT ILLINOIS SUPREME

         COURT DECISIONS


Digitized from Best Copy Available


    Published at
1207, 8 S. Dearborn St.
    Chicago, Ill.
    Telephone
  RAndolph 6-0661

    ESTABLISHED
    June 23, 1890.


                A *,


Entered as Second Class
Matter, October I,
1890, at the Post Office
at Chicago. II1., under
Act of March 3,, 1879.


Financial-Commercial
  ***Dun & Bradstreet, Inc.,
in its weekly review of whole-
sale commodity prices, June
11, says: The Daily Whole-
sale Commodity Index, com-
piled by Dun & Bradstreet,
Inc., rose again this week and
closed at 289.10 on June 10.
This was moderately above
the 286.59 of the preceding
week, and slightly above the
288.21 a year ago. Price in-
creases in steel scrap, rubber,
coffee, sugar, and cocoaoffset
declines in most grains, live-
stock, tin, and zinc. Trading
in grains fell again this week,
as favorable weather condi-
tions in growing areas pre-
vailed. Transactions declined
most noticeably in the corn
and wheat markets, and prices
fell appreciably. However, ex-
ports of wheat and flour were
sustained at a high level,-with
500,000,000 bushels exported
so far for the crop season as
a whole. This considerably ex-
ceeded expectations. There
was a moderate rise in Gov-
ernment selling of surplus
corn. Soybean purchases fell
somewhat below those of the
prior week, and were notice-
ably less than a year ago. Al-
though interest in rye and
oats expanded substantially,
prices sagged. Average daily
purchases of grain and soy-
bean futures on the Chicago
Board of Trade last week.
stood at 36,000,000 bushels,
almost unchanged from the
previous week, but below the
51,000,000 bushels of the com-
parable period last year. Sug-
ar prices advanced slightly,
despite a moderate decline in
purchases. Flour bookings
were sluggish, but prices
climbed somewhat. Coffee
trading was close to that of
the preceding week, as many
buyers waited for reports on
new crop plans of South
American growers. There was
a slight rise in coffee futures
prices. Cocoa trading expand-
ed noticeAbly at the end of
the week boosting prices some-
what. Warehouse stocks of
cocoa stood at 255,866 bags,
down moderately from the
level of the previous week. Ar-
rivals 'or the season to date
amounted to 1,810,745 bags,
compared with 2,298,135 bags
in the similar period a year
ago. Hog prices climbed to
.recrd high levels for the year
E a the beginning of the week,
butb they slipped somewhat at
the end of the period. Hog
receipts in Chicago were the
highest for any week since
early in February, and trad-
ing was steady. There was a
    (Continued on page 10)


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