OPINION
BAKER, Judge.
Appellant-defendant Auto-Owners Insurance Company (Auto-Owners) appeals the denial of its motion for summary judgment in its case against appellees-plaintiffs Jon Harvey and Misty Johnson, the co-personal representatives for the estate of Brandy Nicole Harvey (Brandy). Though Auto-Owners raises five issues for appeal, we need only address one: was there an "occurrence" upon which to predicate liability coverage under the insurance policy...
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