RICHARD L. HOLMES, Retired Appellate Judge.
In March 1989, Carl Johnson purchased a 1989 Ford Escort automobile and obtained financing for the vehicle from Ford Motor Credit Company (FMCC). Johnson executed an agreement to obtain insurance coverage on the vehicle and to name FMCC as the loss payee on the vehicle.
Johnson applied for insurance coverage with State Farm Insurance Company (State Farm) through Kris Mullins, the local State Farm agent. The application...
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