Wood v. Merchants Insurance

Defendant company insured plaintiff against loss occasioned by damage to his automobile in accidental collision or upset, but not while “used as a public or livery conveyance for carrying passengers for compensation.”

In October, 1937, and for some time before that, plaintiff, who was a minor, attended school at Bay City and used his automobile in going to and from school, a distance of about seven miles. October 4, 1937, while so driving, there was a collision, causing damage to his automobile. It had been plaintiff’s practice to carry other students, each of whom voluntarily paid him 75…