PER CURIAM.
We adopt the trial court's opinion in toto. We doubt we could do better.
"This is an action for declaratory relief filed by plaintiff to determine the applicability and coverage of two policies of automobile insurance.
"On October 8, 1978, decedents Paul Nicholson and Walter Bolton were passengers in a 1971 Ford Torino operated by Keith Kron but owned by his sister Karen Kron. A collision occurred which led to their deaths.
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