OPINION
WOZNIAK, Judge.
State Farm appeals from a declaratory judgment allowing its insured to stack underinsured motorist coverage. We reverse.
FACTS
In February 1982, Robert Stenzel was injured in an automobile accident when his Oldsmobile was rear-ended near St. Joseph, Minnesota. Stenzel was a resident of South Dakota and at that time was working in Minnesota.
Stenzel is a named insured under two insurance policies with State...
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