The underlying actions were brought against the driver of a rental car. By virtue of the lease, the rental company is an additional insured under the driver's policy with Nationwide; the rental company is also separately insured under a much larger policy with Firemen's. Nationwide does not dispute that it is the primary insurer and that Firemen's is the excess insurer, and that a primary insurer is generally obligated to defend without entitlement to contribution from an...
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