EASTERBROOK, Circuit Judge.
A trucking mishap has produced a dispute about insurance coverage. Walter Ragland, doing business as Ragland Trucking, owned the offending truck; Daniel Donnelly was driving the truck at the time; Ragland had leased the truck to Illinois Cargo, Inc. American Interinsurance Exchange insured Cargo; Occidental Fire & Casualty Co. insured Ragland. American's policy covers a leased truck "while [it] is being used exclusively in [Cargo's...
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