OPINION
SHERRY RADACK, Chief Justice.
Appellants, Landmark Chevrolet Corp., Bill Heard Chevrolet Corp., and Bill Heard Enterprises, Inc. (collectively, "the dealerships"), bring this appeal from a judgment declaring that appellee, Universal Underwriters Insurance Company ("Universal"), has no duty to defend them in two, underlying class-action lawsuits brought by customers of the dealerships. We affirm.
BACKGROUND
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