Farmers Mutual Hail Insurance Co. of Iowa v. Stansbury

MASSEY, Chief Justice.

Quare: Where a policyholder’s standard form automobile insurance policy is for “comprehensive” coverage on a trailer, and during a period in which it is being moved from place to place a trailer wheel comes off its axle solely as the result of mechanical breakdown or failure, and the wheel and trailer come together so that the wheel enters the trailer, damaging the same and its interior, is the insurance company liable for the policyholder’s loss?

Answer: No.

The provisions relative to “comprehensive” automobile insurance curréntly in use and approved by the Insurance…