HOUSTON, Justice.
Champion Insurance Company ("Champion") filed this declaratory judgment action against Thomas M. Wilkins, seeking a declaration that there was no collision coverage on a 1983 Toyota Cressida automobile, under a particular insurance policy issued by Champion to Wilkins, when the Toyota sustained approximately $10,500 in damage as a result of a collision.
The trial court heard ore tenus evidence and made the following findings of fact...
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