CARLEY, Judge.
Resolution of the instant case requires a recitation of the following facts: On November 18, 1977, appellant-plaintiff Auto-Owners Insurance Company (Insurer) issued an automobile policy which listed appellee-defendant Mr. Sam Smith as the named insured. On June 7, 1978, Sam Smith's teenage son, appellee-defendant Franklin Smith, "was added as a driver" under the policy and the premium that Sam Smith thereafter was charged and paid reflected this additional...
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