OPINION MODIFIED ON DENIAL OF REHEARING
Justice GREEN delivered the opinion of the court:
On June 3, 1991, United States Fidelity and Guaranty Company (USF & G) filed a complaint for declaratory judgment in the circuit court of Sangamon County against Amanda Crail, Country Mutual Insurance Company (Country Mutual), and Mildred Wells. The complaint sought an order declaring that USF & G had no duty to defend or indemnify Amanda Crail, under a commercial...
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