HAYMOND, Judge.
This is a declaratory judgment action instituted in the Circuit Court of Kanawha County in which the plaintiff, Nationwide Mutual Insurance Company, a corporation, herein sometimes referred to as Nationwide or the company, seeks to have determined the relative rights and duties of the plaintiff and the defendants, Glenn L. Smith and Carolyn J. Smith, herein sometimes referred to as the Smiths, in two policies of liability insurance issued to Glenn...
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