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1955 standard policy 1956 standard family accident occurred Action Against Company adverse judgment agent alleging Appeals affirmed Appeals reversed attorney auto Bodily Injury Liability brought action brought this action canceled Chevrolet claim collision Court entered judgment Court found Court of Appeals declaratory judgment defend driving Employee Exclusion endorsement evidence fense Financial Responsibility Laws Ford hereof holding injured Injury Liability coverage insurer appealed insurer brought insurer issued insurer then brought insurer to recover insurer's issued its policy jury ment mission mobile motor vehicle N Y S2d named insured NE2d negligence Notice of Accident omnibus clause opinion owner paid passenger permission person policy covered policy limit policy provisions pertaining premium recovered a judgment settlement standard family automobile standard policy provisions Standard Provisions section statute Subrogation Supreme Court affirmed Supreme Court reversed surer taxicab testified tion trial court trip truck United States District unloading verdict wife