GEORGE, J.
Appellee, Lee Reeder, and defendant, Harriet Cetnarowski, lived together in the same residence for over ten years, but were not married. On February 11, 1984, Harriet operated an automobile owned by Lee without obtaining his permission. Harriet collided with a building causing damage to Lee's automobile. At the time of the collision, Harriet had automobile liability insurance through appellant, Beacon Insurance Company of America ("Beacon").
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