CARTER, C.J.
This suit arises out of a fatal automobile accident. Defendants/appellees, Fidelity and Casualty Company of New York (Fidelity) and St. Paul Insurance Company (St.Paul), insured the automobile in which decedent, Ronald Lorraine (Lorraine), was riding at the time of the accident. The trial court granted defendants/appellees' motions for summary judgment on the issue of insurance
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