BROADFOOT, J.
The insurance policy contained, among others, the following provisions:
"III. Definition of `Insured'
"With respect to the insurance for bodily injury liability and for property damage liability the unqualified word `insured' includes the named insured and also includes any person while using the automobile and any person or organization legally responsible for the use thereof. . . .
"Exclusions
"This policy does not apply...
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