BOOCHEVER, Circuit Judge:
This is a diversity suit in which United States Fidelity and Guaranty Company (USF&G) seeks a declaration of its rights under an insurance policy issued to Earl and Ray Newman, as a Montana partnership and as individuals. At issue is whether the liability provisions of the policy cover Earl's individually owned vehicle, and not listed on the policy. The automobile was driven by Earl's son, Michael. The district court,
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