MEMORANDUM OPINION
SENTER, Chief Judge.
In this diversity suit, plaintiff Thelma Wilson alleges that the Nationwide Insurance Company has improperly denied her application for insurance proceeds under the terms of her automobile liability insurance policy and Mississippi law. A bench trial was held in this cause on November 5-6, 1986. Pursuant to Rule 52(a), the court now proceeds to make the following findings of fact and conclusions of law.
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