DEEN, Presiding Judge.
Smith owned various trucks which he used in a garbage disposal business and insured with defendant Transamerica Insurance Co. by paying a cash down payment and financing the rest through American National Bank & Trust Co. of Chattanooga, the intervenor and loss payee. A Chevrolet garbage truck was left one morning with engine running to warm up; it "exploded" and burned on July 10, 1971, during the 1970-1971 policy period. Defendant refused...
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