OPINION
Justice LAMPKIN delivered the judgment of the court, with opinion.
¶ 1 In a declaratory judgment action, the parties filed cross-motions for summary judgment concerning whether defendant-appellant Hallmark Insurance Company (Hallmark) owed a duty to defend the estate of a deceased student pilot who had rented an aircraft from Hallmark's insured. The trial court found that Hallmark's policy provisions concerning the exclusion of coverage for...
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