OPINION
BOYCE F. MARTIN, JR., Circuit Judge.
The legal issue in this case is whether an insurance company, Universal, must indemnify its insured, Crum Motor Sales, against a settlement that Crum Motor Sales entered into with a third party, Martin County Coal Corporation, to settle a personal-injury lawsuit that Crum Motor Sales and one of its employees, Philip Crum, brought against Martin County Coal for injuries Crum suffered while on Martin County Coal...
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