Justice HOFFMAN delivered the opinion of the court:
In declaratory judgment actions, Country Mutual Insurance and Pekin Insurance sought determinations that they had no obligation to defend or indemnify Greg Anderson, G. Lawrence Trucking ("Lawrence"), and Elmhurst-Chicago Stone ("Elmhurst"), in an underlying personal injury suit, because they had already paid the plaintiff the limits of their insurance policies. Elmhurst and another of its alleged insurers, Employers...
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