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  5. 729 S.W.2d 251 (1987)
 

KANSAS FIRE AND CAS. CO. v. KOELLING

No. 51964.

729 S.W.2d 251 (1987)

KANSAS FIRE AND CASUALTY COMPANY, Appellant, v. Dennis A. KOELLING, Ronald E. Kautz, Charles Bulen, the Benefit Trust Life Insurance Company, and the Missouri Pacific Employees Hospital Association, Respondents.

Missouri Court of Appeals, Eastern District, Division One.

May 19, 1987.

Attorney(s) appearing for the Case

Duane Edward Schreimann, Jefferson City, Michael E. Waldeck, Thomas B. Alleman, Niewald, Waldeck, Norris & Brown, Kansas City, for appellant.

Walter D. McQuie, Montgomery City, for Koelling.

P. Dennis Barks, Hermann, for Kautz.

George Dale Reesman, Boonville, for Bulen.

Donald K. Althauser, Hermann, for Benefit Trust.

William Arnold Hellmich, Chesterfield, for Missouri Pacific.

CRIST, Judge.

Kansas Fire and Casualty (insurer) appeals from an adverse ruling in an action it brought for declaratory judgment. Insurer brought declaratory judgment and interpleader actions to determine and pay the amount it owed to the victims of an accident that was caused by its insured. The trial court found there were two accidents, not one as insurer claimed, and insurer was required to pay twice its maximum amount of liability for an individual accident....

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