BANKE, Chief Judge.
The appellee's decedent was killed in an automobile accident on July 2, 1983. That very morning, the decedent had made a written application for automobile insurance at the office of Edward L. Turner, an independent insurance agent, and had paid Turner a premium for six months' coverage. Turner retained two carbon copies of the application, one of which he signed and mailed that same afternoon, along with the premium payment, to appellant Overseas...
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