MOREMEN, Justice.
Appellee, Ben VanHoose, owned a coal truck which was insured in Calvert Fire Insurance Company. The truck was seriously damaged by fire. The adjuster met with the insured. Appellee's father, who was also named Ben VanHoose, was present. The adjuster presented an instrument styled, "Loss or Damage Agreement," which was signed by Ben H. VanHoose, who is the father. This agreement, which stated that its sole purpose was to fix the total amount of the...
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