EXUM, Chief Justice.
On 9 February 1987 plaintiff was injured in an automobile accident allegedly caused by the negligence of Robert Lee Blackmon, who was operating a 1977 Ford pickup truck owned by his father Michael Blackmon. Nationwide had issued an automobile liability policy to Michael Blackmon and wife which contained, among other exclusions, the following: "We do not provide Liability Coverage for any person ... 8. Using a vehicle without a reasonable belief...
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