PER CURIAM.
In 1982 Phyllis Fleischman, through the appellee Keyes, an insurance agency, purchased an automobile policy from United States Fidelity & Guaranty Company (USF & G) with $300,000 in liability coverage. It is undisputed that in 1985 Keyes unilaterally and erroneously reduced Fleischman's coverage to $50,000 when it renewed the policy. Premium renewal notices reflecting $50,000 policy limits were sent to Debra Fleischman, the insured's daughter,...
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