MURPHY, Circuit Judge.
I. INTRODUCTION
The Defendants, Michael Meister and Independent Appliance & Refrigeration Services, Inc. appeal the Magistrate Judge's grant of summary judgment to the Plaintiff, Allstate Insurance Company ("Allstate"). The district court ruled that Meister's personal automobile insurance policy, issued by Allstate, unambiguously precluded stacking of more than two uninsured motorist coverages.
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