Henderson v. Liverpool & London & Globe Insurance

The only question to be determined in this case is whether the automobile owned by the plaintiff was damaged as the result of “theft, robbery or pilferage.” The case is submitted to the court upon an agreed statement of fact from which it appears that the automobile owned by the plaintiff was insured by the defendant under what is known as a “valued fire, theft and transportation” form policy in the amount of $1,600 upon payment of an annual premium of $43.20.

The perils insured against included, to quote the language of the policy, “theft, robbery or pilferage, excepting by any person or…