OPINION
ROBERTSON, Judge.
United Services Automobile Association [USAA], an insurance company, appeals the judgment in favor of its insureds, Stephen B. and Bonnie Caplin in the amount of approximately $92,000.00 representing the cost to the Caplins of defending and settling a lawsuit. USAA raises two issues, but because one requires reversal, we address it only. Restated, it is:
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