BROADFOOT, J.
The briefs that were filed with the trial court were not made a part of the record, but from the briefs and arguments in this court it is evident that the defendant, in its trial brief, raised the question of a policy defense. Under the exclusions in the policy there is a provision that the policy does not apply "while the automobile is subject to any . . . mortgage or other incumbrance not specifically declared and described in this policy."
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