MEMORANDUM OF DECISION
McGLYNN, District Judge.
On July 22, 1978, a Chevrolet pick-up truck was struck by a train at a grade crossing in Elk County, Pennsylvania, and three of the truck passengers were killed. Several law suits were brought against Thomas Schwabenbauer, Jr., the owner and operator of the truck at the time of the accident. Subsequently, Schwabenbauer made a demand upon Selected Risks Insurance Co. ("Selected Risks") to defend those suits...
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