THOMPSON, Judge.
Quality Casualty Insurance Company ("Quality Casualty") filed a declaratory-judgment action against Otis J. Ruben ("Otis"), Diane Ruben ("Diane"), Christopher J. Ruben ("Christopher"), and Donald Young. In that action, Quality Casualty sought a determination that it was not obligated to defend, indemnify, or provide benefits under an insurance policy it had issued to Otis and Diane. As a basis for its action, Quality Casualty alleged that Otis had...
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