Terrien v. Pawtucket Mutual Fire Insurance

In support of its motions for a nonsuit and directed verdict the defendant relies upon two principal contentions: that the loss suffered by the insured was not an “accidental” loss; and that the policy was inapplicable by reason of the express provisions of the “mechanical breakdown” exclusion. The defendant has also asserted that it was error to instruct the jury that the holes or depressions in the highway were “objects” within the meaning of the collision coverage of the policy. Cf. 5 Appleman, Ins. Law & Practice, ss. 3201-2. However, it concedes that coverage for damage resulting *184from…