Collins obtained from South Carolina Insurance Co. a liability policy covering a Piper Colt airplane he owned. The policy provided that it did not cover loss sustained while the plane was being piloted by a person who did not have a valid pilot’s certificate and a valid medical examination certificate. Collins held a valid pilot’s certificate, but his medical examination certificate had expired three months before. Collins was piloting the plane when it crashed, and he was killed. The insurer denied liability because Collins did not have a valid medical certificate. It was stipulated by both parties that the crash was in no way caused by the absence of the medical certificate. Decide. [South Carolina Ins. Co. v Collins, 237 SE2d 358 (SC)]