Judgment unanimously modified in accordance with the memorandum herein, and, as modified, affirmed, without costs.
Memorandum:
In a negligence action against Thomas Copfer, his parents' insurance carrier, United States Fidelity & Guaranty Co. (USF &G) disclaimed liability and refused to defend. The Copfers retained private counsel who at all times informed USF&G of the progress of the litigation and repeatedly requested it to defend the action...
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