OPINION
REEVES, Justice.
This appeal addresses the interpretation of two insurance policies, one entitled "Accident Policy" and the other titled "Catastrophic Medical Hospital Policy." The trial court held that a child born after the issuance of the policies was not entitled to benefits under the catastrophic medical policy.
John Balderama and his wife, Dolores Balderama, (plaintiffs) contend the trial court erred:
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