Sparrow v. American Fire & Casualty Company

The plaintiff insists that he is entitled to recover under the comprehensive clause — “Coverage F,” which binds the insurance company to pay for “any direct and accidental loss of or damage to the automobile. . . .” However, to recover under this clause, it is noted that the loss or damage must be both “direct” and “accidental.” In the case at hand, the facts agreed establish no element of “accidental” loss or damage as that term is commonly understood and also well defined in our decisions. See Fletcher v. Security Life & Trust Co., 220 N.C. 148, 16 S.E. 2d 687; Kirkley v. Merrimack Mutual…