MacLAUGHLIN, Justice.
Plaintiff, Jerry Leegaard, brought this declaratory judgment action to determine insurance coverage against Universal Underwriters Insurance Co. (Universal). Universal brought a third-party action against State Farm Mutual Automobile Insurance Co. (State Farm), seeking to establish that Leegaard was covered by State Farm. The district court, sitting without a jury, found that Leegaard was covered under a policy with State Farm and not covered...
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