BRIGHT, Circuit Judge.
This action for declaratory judgment on an insurance policy has its genesis in an automobile/tractor and trailer accident which occurred in Minnesota on October 31, 1994. At that time, a tractor and trailer owned by J & T Transport, Inc. ("J & T"), a Minnesota corporation, collided with an automobile driven by Donley Allen Carlson. The accident killed Carlson. Carlson's widow, Linda Michelle Carlson, brought a wrongful death
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