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An insurer is liable:
   (a) Where the thing insured is rescued from a peril insured
against, and which would otherwise have caused a loss, if, in the
course of such rescue, the thing is exposed to a peril not insured
against, and which permanently deprives the insured of its
possession, in whole or in part.
   (b) If a loss is caused by efforts to rescue the thing insured
from a peril insured against.