Justice O'MALLEY delivered the opinion of the court:
Plaintiff-appellee and cross-appellant United States Fire Insurance Company (U.S. Fire) brought a declaratory judgment action against defendant-appellant and cross-appellee Tokio Marine and Fire Insurance Company (Tokio) seeking reimbursement of funds from Tokio's primary insurance policy which were paid from U.S. Fire's excess policy to fund a settlement in an underlying personal injury lawsuit.
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