OPINION
KLAPHAKE, Judge
Respondent Colonial Insurance Company, the tortfeasor's insurer, brought this declaratory judgment action to determine the issue of coverage. The district court granted summary judgment based on collateral estoppel. Appellants Miles Tvinnereim and Dwayne Stottler, Tvinnereim's guardian, challenge the entry of summary judgment, claiming they were denied a full and fair opportunity to be heard. We reverse.
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