ADAMS, Justice.
State Farm Fire and Casualty Company appeals a declaratory judgment holding it obligated to defend a civil action against Robert D. Erwin, Jr., and to pay any judgments to the extent of its coverage. Erwin had boat owner's liability insurance coverage on his boat and motor with State Farm. He brought the declaratory judgment action when State Farm refused to defend a suit for personal injuries against Erwin arising out of an automobile accident.
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