SCHOTT, Chief Judge.
Lakeside Toyota, Inc. and its liability insurer, Motors Insurance Corporation (MIC), have appealed from three judgments in favor of Frank Gambino, his uninsured motorist (UM) insurer, State Farm Mutual Automobile Insurance Company, Jeffrey G. Trauth, and the Louisiana Insurance Guaranty Association (LIGA), the successor to Trauth's now defunct liability insurer. The issue is whether MIC's policy with limits of one million dollars affords coverage...
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