SMITH, J.
By stipulation of the parties, the case was submitted on the following agreed statement of facts:
"On April 1, 1960, plaintiff, Guerdon Industries, purchased from defendant, Fidelity & Casualty Company of New York, a comprehensive general and automobile liability policy and paid to the defendant $19,866 as the premium on this policy.
"Under `coverage A' of the insuring agreement, the defendant agreed `to pay on behalf of the insured all...
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