OPINION
NORTON, Judge.
This is an appeal from a judgment for respondent, Jeffrey M. Denike (Denike) declaring that appellant, Western National Mutual Insurance Company (Western National) had a duty to defend Denike in a lawsuit brought against him as a result of an accident involving his automobile insured by Western National.
FACTS
In July 1984, Denike loaned his automobile to St. Luke's Lutheran Church. Denike characterized to Western...
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