McKUSICK, Chief Justice.
In this reach-and-apply action brought by the successful plaintiffs in an earlier auto negligence suit against one Dale Smith, the sole issue is whether Smith was an insured under the auto insurance policy issued by defendant United States Fidelity & Guaranty Company (USF & G) to Augusta News Company, the owner of the vehicle being driven by Smith at the time of the accident. More specifically, under the "omnibus clause" of that policy...
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