Justice MURRAY delivered the opinion of the court:
The plaintiffs filed this declaratory action seeking liability coverage under a personal liability umbrella policy issued to the plaintiff, Gilbert C. Librizzi (Gilbert), by State Farm Fire and Casualty Company (State Farm Fire) for injuries arising out of a two-car accident that took place on September 1, 1988. On cross-motions for summary judgment the trial court denied the plaintiffs' summary judgment motion and...
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