KELLY, Justice.
One of these actions was brought by Carole A. Shuck to recover for personal injuries sustained in an automobile accident involving a vehicle owned by defendant Hertz Rent-A-Car and driven by defendant David Means, age 18. A second action was brought by United Services Automobile Association for declaratory judgment that an insurance policy it had issued to Means' father did not provide coverage for David Means, who in turn filed a third-party complaint...
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