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accident accidental means action affirmed agent agreement alleged amount answer appellant appellee application appraisers assignment assured Atlantic Reporter automobile beneficiary benefits cancellation cash cause certificate certiorari Circuit Court claim clause complaint condition contract of insurance County Court of Appeals damages death deceased defendant appeals defendant company defendant's directed verdict disease double indemnity effect entitled estopped estoppel evidence facts favor filed fire insurance forfeiture group policy held home office indemnity injury Insurance Company insurance policy insured's interest interpleader issuance Judge Judgment for plaintiff jury lapsed liability ment mortgage motion notice opinion paid parties payable payment physician plaintiff in error policy of insurance policy was issued property insured provisions question reason receipt recover reinstatement reinsurance rule Sanor statute subrogated suit supra Supreme Court testified testimony thereof tion total disability trial court verdict waived waiver