WALTERS, Chief Judge.
State Farm Mutual Automobile Insurance Co. (State Farm) instituted this declaratory relief action against Wickliffe Newell, Leilani Eddy, Thomas Smith, Barbara Smith, and Mike Lynn Smith. The trial court determined that State Farm was not liable to any of the defendants under an auto insurance policy issued to the Smiths. In a consolidated appeal, Newell and Eddy and the Smiths allege that, under the terms of the policy, State Farm is liable...
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