Affirmed on authority of Coggins v. Ins. Co., 144 N. C., 7, 56 S. E., 506, which is essentially on all-fours with the case at bar.

The eases of Arnold v. Ins. Co., 152 N. C., 232, 67 S. E., 574, and Mortt v. Ins. Co., 192 N. C., 8, 133 S. E., 337, cited and relied upon by plaintiff, are readily distinguishable.

Affirmed.