DUFFY, Circuit Judge.
On September 23, 1962, defendant Hartford Accident and Indemnity Co. (Hartford) issued and delivered an automobile liability insurance policy to Clifford T. Koss, a resident of the State of Wisconsin, insuring him against liability for damages by reason of the negligent operation of a Buick automobile owned by him.
On October 7, 1962, Clifford T. Koss (now deceased) was operating his Buick automobile on Highway M-28 in Ontonagon County...
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