两个法律决定。
以下法律决策很有趣，对一些读者来说可能是有用的。首先是指西方人熟悉的“龙卷风保险”，它决定了政策改革的价值和不放弃其条件。
“On January 20, 1896, the Texas Supreme court, in the case of the German Insurance Company v. Daniels, where a tornado policy was written on a fire insurance blank,the word fire’being erased and ‘tornado’ substituted, and by agreement with the agent payment was to be made on the first of the following month; but the policy provided that it should be void until the premium was paid, while tinder a clause in a regular tornado policy the peyment could be postponed till a future day'. Neither of the parties had seen a tornado blank, and the first blank was used because the agent had no tornado blanks. The court held the evidence insufficient to warrant a reformation of the contract so that the provisions in the tornado blank would apply instead of the provisions in the fire blank as 'o payment of p e liiums. And, as the plaintiff did not plead a waiver of file condition in the policy requiring payment of the premium before loss, he cannot be competent to prove such a waiver.”
