HEFFERNAN, J.
The coverage and pertinent exclusion clauses of Western's liability policy follow:
"The Western will pay on behalf of the insured all sums which the insured shall become legally obligated to pay as damages because of
"C. bodily injury or
"D. property damage
to which this insurance applies, caused by an occurrence and arising out of the ownership, maintenance or use . . . of any automobile . . . .
"Exclusions
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