OPINION
BROOKSHIRE, Justice.
The Appellee pleaded that he was in the employment of Hydro Carbon Field Service ["Hydro Carbon"] and he sustained a severe, total, permanent, and disabling personal injury on December 20, 1984, while a policy of accident insurance was in full force. Hydro Carbon arranged for an insurance policy to pay disability benefits for employees who might receive injuries while in its employment. The policy was issued by American Teachers...
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