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accepted accident action Acts agent alleged amended amount ance application association assured authorized automobile beneficiary benefits cause certificate claim clause Code condition constitute Construction contained contract corporation court covered damage death defendant disability effect employee entitled evidence examination extended fact failed failure fees fire policy force forfeiture fraternal give given ground held History and Source indemnity industrial injury insurance company insurance policy insured's interest issued judgment La.App lapse liability limited Lodge loss Louisiana Marine means ment Mutual named Note notice officer operation organization Orleans owner paid parties payable payment penalty period person plaintiff premiums prior proceeds proof reasonable received recover recovery reserve result risk Secretary society Source of Law statement statute sufficient suit sured thereof tion unless vessel written York