CONTENTS   xi
CHAPTER 4

RIGHTS AND POWERS OF THE INSURED

SECTION   PAGE

1. Where There Is One Policy and One Interest    734

2. Where There Is One Policy and Two Interests (and Herein Subrogation) 734

(a) Vendor and Vendee   734

(b) Mortgagor and Mortgagee    751

1.  Where the Mortgagor Agrees to Insure    751

(2) Under a Simple "Loss Payable" Clause    ' "5
r~o

3. Where There Are Two or More Policies and One Interest (Blanket and
   Specific Policies—Concurrent and Coinsurance—Prorating)    799

CHAPTER 5

FACTS OPERATING TO MATURE THE POLICY

1.   Fire   .._    -----------------------------------------------------------------------------------------------------   817

1.  In General    817

2.  When is a Fire "Hostile"?   819

3.  Where Fire Causes an Explosion   822

2. Theft    830

3. Embezzlement—Oonversion    835

4. Burglary    ...... 836

5. Liability—Indemnity (Employers' and Automobile)    840

(a) Liability and Indemnity Insurance Distinguished   840

(h) Effect of Law Violation at Time of Loss    850

(c) Effect of Insurer's Negligence in Handling a Claim    853

4.  Compulsory Liability Insurance    857

5.  Miscellaneous Questions    857

6. Collision    859

7. Marine Losses   .....   . 865

8. Miscellaneous Types of Insurance    869
APPENDIX

FORMS

Application for Insurance   . 871

Life Policy    .   .   .   ...---   875

New York Standard Fire Policy    880

MORTALITY TABLE    _   884

INDEX `   `   885