FRANKUM, Judge.
Under an insurance policy whereby, for a stipulated consideration, the insurer is obligated to pay to the insured owner of a specified automobile ". . . for direct and accidental . . . damage to the automobile, . . . except loss caused by collision . . . or by upset . . ." and which policy provides, "[b]reakage of glass and loss caused by missiles, falling objects, fire, theft, explosion, earthquake, windstorm, hail, water, flood, malicious mischief...
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