BUTZNER, Senior Circuit Judge:
Joseph C. Bray appeals from a judgment denying him underinsured motorist coverage on a semi-trailer he was hauling when he was injured in an accident. We reverse because Virginia law entitles Bray to underinsurance coverage, although the policy issued to the owner of the semi-trailer did not on its face purport to afford this coverage.
I
Bray, a resident of Virginia, was driving a tractor-trailer in Seaford, Delaware...
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