OPINION
HOWELL, Justice.
This is a suit on an insurance policy. The plaintiffs, David and Joan Schachar ("Policyholders" or "Holders"), sought to recover for the theft of their automobile from their insurance carrier, Northern Assurance Company of America ("Carrier"), and from the broker selling the policy to them. The trial court granted summary judgment to Carrier and its broker in response to an assertion that the policy had expired for non-payment of...
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