State Farm Mutual Automobile Insurance v. Collins

The first count was not subject to general demurrer. The petition alleged that the binder receipt covered certain risks named in the petition. The binder contained all the necessary elements of an insurance contract: subject-matter to which the policy should attach; the risk insured against (the term “full service” being ambiguous could be proved by extraneous evidence); the duration of the risk; the amount of liability; and the consideration to be paid. Todd v. German-American Insurance Company, 2 Ga. App. 789 (59 S. E. 94). The contention that the binder did not show the duration of risk is…