ON REHEARING
The following opinion is substituted for the original opinion filed June 1, 1984. The parties' various motions for rehearing or clarification are otherwise denied.
NIMMONS, Judge.
This is an appeal from a summary final judgment entered in favor of Allstate Insurance Company ("Allstate") in a suit wherein the appellants ("the Caldwells") sought to recover amounts in excess of policy limits by reason of Allstate's denial
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