The facts involved in this case are well described in the dissenting opinion. Moreover, as the dissent has aptly observed, plaintiff's "flat" cancellation of the policy issued by defendant Public Service Mutual Insurance Company was valid even after the occurrence of an insurable accident since the rights of a third party had not then been adversely affected (Cosmopolitan Mut. Ins. Co. v Lumbermen's Mut. Cas. Co.,
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