OPINION
HUDSON, Judge.
Respondents Depositors Insurance Company (Depositors) and Midwest Family Mutual Insurance Company (Midwest Family) each brought declaratory-judgment actions seeking a declaration that the respective homeowner's insurance policies issued by them did not provide coverage for appellant's injuries. Appellant (Tracy Olene) and the insureds, Douglas and Mathias Schmitt, were attempting to lift Olene's car off of a flatbed trailer and move...
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