MONTGOMERY, Presiding Judge.
The sole issue in this case is whether Lonny Chamberlain (Lonny) was driving a 1989 Mercury Topaz with permission of the owner, Timothy Davis (Timothy), on June 17, 1989. The trial court, sitting without a jury, found that Lonny was a permissive user of the automobile and was a "covered person" under Timothy's insurance policy with the Automobile Club Inter-Insurance Exchange (Auto Club). The Auto Club appeals.
On June 17, 1989...
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