EBERHARDT, Judge.
State Farm brought a declaratory judgment action against its insured, joining as a defendant the plaintiff in a damage suit against the insured. The action sought a declaration of non-liability to the insured under the "drive other cars" policy provision reading as follows:
"Insuring agreement II — Non-owned automobiles. Such insurance as is afforded by this policy . . . with respect to the owned automobile applies to the use of a...
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