TIREY, Justice.
Appellee brought this suit against appellant to recover under policy of insurance for disability resulting from an accident alleged to have occurred to him on July 4, 1952. Absent the burden of proof clause, the court submitted the cause to the jury substantially in the following manner:
1. Do you find that plaintiff sustained, directly and independently of all other causes, bodily injuries on July 4, 1952? Answer: Yes.
2. Do you find...
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