The following excerpt is from State Farm Mut. Auto. Ins. Co. v. Smith, 129 Misc.2d 828, 494 N.Y.S.2d 647 (N.Y. Sup. Ct. 1985):
In the Aetna v. Loy case, supra, the vehicle struck a highway cone which hit a two by four piece of wood which then hit the claimant. In the case at bar, the uncontroverted testimony is that the vehicle struck the wall of claimant's bedroom where she was asleep with her head against or very near the wall. The vehicle struck this wall. Had the wall not been there the vehicle would have struck the claimant directly.
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