BANKE, Judge.
A lawsuit was filed in 1975 by Sheila Shope, a minor, and her father against Ralph Addison to recover for injuries sustained by the child in an accident on Addison's Honda CT-70 trail bike. Southern Guaranty Insurance Company, the appellee in this appeal, provided standard homeowner's coverage to Addison and filed a complaint for declaratory judgment seeking a determination that it need not defend the suit or pay any potential judgment under the policy...
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