Justice GREEN delivered the opinion of the court:
On November 21, 1994, plaintiff General Casualty Company of Illinois (General Casualty) brought suit in the circuit court of Greene County against defendants Russell E. Juhl, his son, Thomas E. Juhl, Gary K. Flatt, and Sharon Flatt. The complaint sought a declaratory judgment determining that a policy of automobile insurance issued by General Casualty to Russell did not cover any liability Russell had to the Flatts...
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