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accident action Acts agent Amended and reenacted amount ance application association assured authority automobile beneficiary benefits bond cancellation cause certificate claim clause commission commissioner of insurance compensation condition Construction contained contract corporation court coverage covered damages death defendant denied deposit direct disability effect entitled evidence examination fact failure fees filing fire insurance fire policy foreign give ground held History and Source Industrial injuries Insurance Code insurance company insurance policy insured's interest issued judgment Law Source liability liability insurer license limit loss Louisiana Marine ment named Note notice organization Orleans owner paid parties payment penalty person plaintiff premium prior proceeds proof provisions reasonable received recover reenacted Acts 1958 references refused risk securities Source of Law standard statement statute substituted suit surance sured surer surety tion written York