American Fire & Casualty Co. v. Standridge

Frankum, Judge.

Under an insurance policy whereby, for a stipulated consideration, the insurer is obligated to pay to the insured owner of a specified automobile “. . . for direct and accidental . . . damage to the automobile, . . . except loss caused by collision . . . or by upset . . .” and which policy provides, “[bjreakage of glass and loss caused by missiles, falling objects, fire, theft, explosion, earthquake, windstorm, hail, water, flood, malicious mischief or vandalism, riot or civil commotion shall not be deemed loss by collision or upset”, the insurer is obligated to pay the insured…