GALLAGHER, Associate Judge.
While proceeding to a dental appointment in a car owned by her employer, the American Red Cross, appellee was involved in an accident. The Red Cross was a self-insurer of its vehicles as to collision and required appellee to pay the property damage to the vehicle amounting to $644.12. Appellee then demanded reimbursement from appellant, her insurance carrier, under her policy's collision coverage for "non-owned" automobiles. In relevant...
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