DIMOND, Senior Justice.
Tom Stacy, age 16 years, was driving Bradford Kallerson's car. He ran into the rear of a car being driven by Clyde Johnson, glanced off that car, and then struck an oncoming vehicle being driven by John Greenway. Greenway and Johnson were both injured, and commenced personal injury actions against Stacy.
Kallerson's car was covered by a liability insurance policy issued by appellee, the United States Fidelity & Guaranty Company...
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