St. Paul Fire & Marine Ins. v. American Compounding Co.

The suit is on an automobile insurance policy. The actionable loss is claimed under the collision clause of the policy.

In substance, the policy insured "against direct loss or damage" "by being in accidental collision during the period insured with any other automobile, vehicle, or object." It excluded injury received while engaged in a race or speed contest, or while operated by one under sixteen years of age.

The evidence for plaintiff tended to show that the car, a Winton Six, was standing in front of plaintiff's office on the crest of a hill; the rear wheels were on level ground, and the…