SUBSTITUTE OPINION
EVA M. GUZMAN, Justice.
We overrule appellee's motion for rehearing, withdraw our previous opinion, and issue this substitute opinion in its place.
In this insurance coverage dispute, the insurer filed suit seeking a declaration that it had no duty to reimburse its insured and two other carriers for the costs they incurred in settling a personal injury suit. The insurer moved for traditional summary judgment on the grounds that...
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