Since it appears that Mrs. Rosenthal [wife of the insured] was wearing the watch at the time of the accident, it is obvious that there are only two ways in which its loss can be accounted for, to wit, that it fell off her arm because of the impact of the collision and the overturn of the car, or that it was stolen between the time she came out of the car and the time she discovered its loss in the ambulance...
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