SOGNIER, Judge.
Mr. and Mrs. Richards filed a personal injury action against Godfrey and his employer, Ashland-Warren (MacDougald Construction Company). The action arose when an Ashland-Warren vehicle driven by Godfrey collided with the Richards' vehicle. Insurance Company of North America (INA) carried Ashland-Warren's insurance on its vehicle and Commercial Union Insurance Company (Commercial) had Godfrey's personal automobile liability insurance.
INA initially...
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