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22 by Acts action amended and reenacted ance application for insurance attached August 21 automobile policy became effective beneficiary burden of proof certiorari claim clause comprised of R.S. covered damage defense delivery disability employee estoppel evidence excluded coverage exclusion F.Supp failure false statements fidelity bond fire policy fraud health and accident health or physical insurable interest Insurance 3015 insurance contract insurance policy insured's intent to deceive La.Ann La.App Law Institute liability insurance Liberty Mut limitation Louisiana Insurance Code Louisiana law Louisiana Revised Statutes Louisiana State Law material effect ment named insured notice of cancellation Orleans parties payment person poli policy provided premium prescriptive period Presumptions and burden prior proof of loss property insured provisions of Title rehearing denied renumbering of Title Section Statutes of 1950 Subparts surance tion Title 22 uninsured motorist vehicle void waived waiver warranty Westlaw writ denied