SANBORN, District Judge.
In May, 1921, James P. Newell lived in Chicago, Ill. He had a sixteen year old son, David, an automobile, and a policy of casualty insurance written by the Preferred Accident Insurance Company of New York, No. A. D. 538044. This policy contained the following provisions:
"The Preferred Accident Insurance Company of New York Does Hereby Agree
"(1) To indemnify, within the limits of liability expressed in Condition `L' hereof...
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