Plaintiff insurance company issued a standard automobile liability policy to defendant Richard J. Holck (Holck) insuring his 1982 Dodge. Under the policy, coverage extended to any person using the vehicle, but it excluded any such person "using [the] vehicle without a reasonable belief that that person is entitled to do so". On August 7, 1984, the vehicle was being driven by Holck's daughter, defendant Kathleen A. Holck (Kathleen). Her friend...
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