
    William Levin, Respondent, v. New England Casualty Company, Appellant.
    (Supreme Court, Appellate Term, First Department,
    October, 1916.)
    Pleading — in action upon policy of accident insurance — demurrer— when complaint fails to state cause of action.
    An allegation of the amended complaint in an action upon a policy of accident insurance that a copy thereof is attached to the original complaint does not make the policy a part of the amended complaint.
    Where in an action on a policy of accident insurance plaintiff seeks to recover moneys which he claims defendant forced him to contribute toward the settlement of an action brought against him by one accidentally injured by plaintiff’s automobile, the amended complaint pleaded as a conclusion of law that by the terms of the policy defendant agreed to consent to a settle- ' ment of any claim for less than the amount of liability under the policy provided the sum claimant was willing to accept was reasonable and fair and less than .the amount which would probably be recovered in an action, but no agreement is pleaded upon which a conclusion of law may be predicated, the complaint fails to state a cause of action and an order overruling a demurrer thereto will be reversed with leave to plaintiff to plead over.
    Appeal by defendant from order of the City Court of the city of New York overruling its demurrer to the amended complaint.
    Menkel & Hinckley (Wm. Cocks, Jr., and Anthony H. Menkel, of counsel), for appellant.
    Morris and Samuel Meyers (George Wolf and Samuel Meyers, of counsel), for respondent.
   Guy, J.

In this action, based on a policy of accident insurance issued to plaintiff by defendant, plaintiff seeks to recover moneys which he claims defendant forced him to contribute toward the settlement of an action brought against him by one accidentally injured by plaintiff’s automobile.

Although the amended complaint alleges the making of the policy and performance of its conditions by the plaintiff, the policy is not made a part of the amended complaint nor is its substance pleaded. The allegation that a copy of the policy is attached to the original complaint does not make the policy a part of the amended complaint. As a result, therefore, many of the allegations as to the contents of the policy are mere conclusions of law.

The complaint, however, sufficiently alleges the execution and delivery on or about June 10, 1912, of a policy by defendant insuring plaintiff against loss or expense on account of bodily injuries accidentally suffered by reason of the use of his automobile, due performance of all the conditions of the policy on the part of the plaintiff, injuries accidentally sustained December 22, 1912, by one Feuer through the use of the automobile, and the bringing of an action against the plaintiff to recover $10,000 damages for such injuries; that in full settlement of his claim Feuer subsequently consented to receive $3,150, which sum was within the liability of $5,000 assumed by the defendant under the policy and represented a fair and reasonable settlement of the claim; that the defendant for the purpose of relieving itself of the payment of part of said sum of $3,150, namely of $750, and forcing and compelling the plaintiff to contribute the said sum to the defendant for the purpose of effecting a compromise and settlement of the action, unreasonably and unjustly refused to settle or compromise the claim unless the plaintiff would contribute $750 to said sum of $3,150, and threatened that unless plaintiff would contribute said amount defendant would allow the case to go to trial and subject the plaintiff to the hazard of having a verdict recovered against him in excess of the $5,000 limit of the policy, and forced and compelled plaintiff to pay said sum of $750. There is, however, no allegation that by the terms of the policy defendant agreed to consent to a settlement of any claim for less than the $5,000 limit, provided the sum the claimant was willing to accept was reasonable and fair and less than the amount which would probably be recovered in an action. By paragraph XI of the complaint this is pleaded as a conclusion of law; but there is no agreement pleaded upon which such a conclusion of law could be predicated. The complaint fails to make out a cause of action.

The order overruling the demurrer must be reversed, with ten dollars costs and disbursements, and the demurrer sustained, with ten dollars costs, with leave to plaintiff to plead over within six days on payment of said costs.

Bijur and Shearn, JJ., concur.

Order reversed, with ten dollars costs and disbursements.  