OPINION
FOLEY, Judge.
These consolidated actions were brought by Melvin Boroos and Allen and Joyce Boroos against Roseau Agency, Inc., State Farm Mutual Insurance Company (State Farm), Milbank Mutual Insurance Company (Milbank), and The Home Insurance Company (The Home) in April 1982. Plaintiffs each sought a declaration of their rights to underinsured motorists coverage and in their suits against State Farm and Milbank, seek a reformation of their individual...
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