When plaintiffs moved to Minnesota in December 1987, they purchased three insurance policies issued by defendant State Farm Fire and Casualty Company (hereinafter defendant). One of these policies was an excess personal liability umbrella policy (hereinafter umbrella policy) having a policy period running from December 4, 1987 to December 4, 1988. The umbrella policy was renewed for another year in December 1988. Because plaintiffs did not pay...
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