Court Opinion

ID: 9586778
Source: CourtListenerOpinion
Date Created: 2023-08-21 23:14:56.069637+00
Date Added: 2024-06-11T17:32:51.043910
License: Public Domain

Townsend, Presiding Judge,
concurring. I agree with what is said in the opinion and would like to add simply that under the comprehensive clause of the insurance policy the insurer is obligated to' pay for all direct damage to the vehicle, of whatever nature, provided the cause is not one specifically excluded and provided that it is accidental. The allegation that the transmission exploded is an allegation of fact, not merely a conclusion. Explosion is a covered risk, provided it is accidental. There might be an explosion which was not accidental even as to the plaintiff. Automobiles, however, do not normally explode. If the plaintiff alleges that this explosion was acci*541dental, unexpected, and not the result of any act of his, the petition would set out a good cause of action. If he proves these facts on the trial-, and that automobiles do not normally explode in such cases, his proof might well be aided by the doctrine of res ipsa loquitur so as to allow a recovery even if the cause of the explosion remains unexplained.