Affirmed. Messrs. Sam R. Watt and Rufus M. Ward, of Spartanburg, for Appellant, cite: As to the evidence adduced beinginsufficient to show the existence of an oral contract of insurance: 172 S.C. 525, 527, 174 S.E. 466. As to there beingno liability on insurer for loss occurring before the policywas effected: 3 S.C.L. (1 Brev.) 213. As to there beinginsufficient evidence as to the existence of a binder: 203 S.C. 471, 477, 27 S.E.2d 809; (S.C.) 49 S.E.2d 577. Messrs. Warren N. Martin and Mann Arnold, of Greenville, for Respondent, cite: As to no appeal lying fromorder granting a new trial when the order is based on factsor law and facts: 212 S.C. 26, 46 S.E.2d 176; 211 S.C. 526, 46 S.E.2d 152. As to the facts proved beingsufficient to support the finding that an oral contract of insuranceexisted: 206 S.C. 213, 33 S.E.2d 498; 207 S.C. 236, 36 S.E.2d 380, 386; 203 S.C. 471, 27 S.E.2d 809.