Accident Insurance—Expiration op Policy—Time.—The insurer is not liable upon an accident insurance policy where the accident for which recovery is sought occurred on the day after the date on which the policy by its terms expired, although the expiration date was a legal holiday, as the accident does not come within the provisions of sections 10 and 11 of the Civil Code or the corresponding sections of the other codes.

Id.—Option to Renew Policy—Construction op.—The fact that an accident insurance policy contained an option to renew it and that the option continued in force by the terms of the policy until the policy’s expiration date, did not extend the policy so as to cover an accident occurring the day following its expiration, the option not having been exercised.

Contracts—Option—Nature of.—An option is a mere offer, and unless it is accepted within the time limited, it is of no force for any purpose.

Accident Insurance — Renewal of Policy — Receipt of Premium After Expiration—Waiver of Condition.—While the receipt of the premium on an accident insurance policy hy the company from its agent, after the time had expired, with knowledge of the fact that it had not been paid to the agent until after such expiration, would operate as a waiver, for the purpose of that renewal, of the condition that payment must be made in advance, it would not abrogate the condition as to future renewals.

Id.—Collection of Premium—-Custom—Waiver.—Where it was the custom of the insurer, under an accident insurance policy, to send renewal notices to its agent some time before the expiration of the current term, whereupon the agent would send a notice to the insured, and it was the agent’s habit to call at the insured’s residence to collect the renewal premium, which he had promised' to continue to do, the premium being paid sometimes only in part and the , renewal receipt delivered, the agent trusting the insured for the balance until a time beyond the current renewal term, under the circumstances no' estoppel was created against the insurer to prevent it from refusing acceptance of a renewal premium offered after the time expired, non was there a waiver of the condition as to payment in advance, the policy providing that the agent should have no power to waive any of it's conditions.