WIGGINS, Circuit Judge:
Nationwide Insurance Company appeals the district court's declaratory judgment following a bench trial that Nationwide must indemnify Joe David Hunley, a permissive user of a car insured under a Nationwide policy issued to Michael Travis. We have jurisdiction under 28 U.S.C. § 1291 (1982). We reverse and remand.
BACKGROUND
The district court found the following facts:
Nationwide issued an insurance policy to Travis...
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