WYNN, Judge.
This appeal arises out of an accident involving an automobile owned by Warden Motors, but driven by Sanford E. Isenhour ("Isenhour"). At the time of the accident, plaintiff United Services Automobile Association ("USAA"), insured Isenhour while defendant Universal Underwriters Insurance Company ("UNIVERSAL") provided coverage for Warden Motors. USAA instituted this declaratory judgment action
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