LINDSAY, Judge.
The defendant, RLI Insurance Company (RLI), appeals from a trial court judgment granting partial summary judgment in favor of RLI's insured, James W. Colvin. The trial court found that RLI was bound to provide insurance coverage under the terms of an umbrella policy and had a duty to defend Mr. Colvin in an action arising out of an automobile accident. For the following reasons, we reverse the trial court judgment and remand for further proceedings...
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