Orr v. Farmers Automobile Insurance

Appellee was a member of the Farmers Automobile Insurance Association of Pekin and on August 11, 1923, purchased an automobile and two days thereafter obtained a policy of insurance from appellant against actual loss or damage, including operating equipment, but excluding damages to tires caused by collision with any object, movable or immovable, providing the operator of said car at the time of the accident was not intoxicated and was not operating said car in a negligent manner and also providing said accident was not caused by the wilful act of the owner or done with his knowledge or…