POPE, Judge.
Appellants, William Oscar James and his son Toby Lynn James, brought this action against appellee insurance company and Crowell & Company, Inc., the agent through which the subject policy was obtained. Appellant William Oscar James was issued an "automobile combination family policy" by appellee which was in effect for the period February 23, 1981 to August 23, 1981. Pursuant to the terms of the policy, coverage with respect to "owned automobiles...
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