Clark v. Superior Lloyds of America

The record herein shows conclusively that defendant in error insured a "pickup" automobile, as distinguished from an "ambulance". Plaintiffs in error knew the distinction and recognized that an "ambulance" is a more hazardous risk than a "pick-up", and carries a higher rate of insurance. The insurance policy expressly excludes any obligation of the insurer, "(a) * * * while the automobile is used * * * as a public or livery conveyance or for carrying persons for a consideration, * * * unless such use is specifically declared and described in this policy and a premium charged therefor; * * *."…