BOUTALL, Judge.
The present case comes to us on appeal from a judgment dismissing plaintiff's suit for personal injuries against an insurer on a homeowner's liability policy under the Direct Action Statute, LSA-R.S. 22:655.
The basic facts are uncontested. By the testimony of the injured plaintiff, Mrs. Masters, and corroborated by the insured homeowner, Lloyd Appel (not a party to
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