Justice FROSSARD delivered the opinion of the court:
Plaintiff, American Service Insurance Company, appeals the trial court's finding that it owed defendant, Leslaw Olszewski, a duty to defend and to indemnify him in two lawsuits. On December 31, 1997, defendant was involved in a motor vehicle accident. Defendant had purchased motor vehicle insurance from plaintiff and sought coverage under that policy. Plaintiff responded that the policy had lapsed, without renewal...
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