HOFFMAN, Judge.
Appellant-plaintiff Michael P. Millikan appeals the trial court's entry of summary judgment in favor of appellee-defendant United States Fidelity and Guaranty Company ("USF & G") in a complaint asking the court to declare coverage for underinsured motorists' recoveries to separate insurance policies.
On January 6, 1989, Gregory Fryzel, a member of the Franciscan Friars (Friars),
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