OPINION
BOOCHEVER, Circuit Judge
The parties have filed cross motions for summary judgment. At issue is whether Fireman's Fund Insurance Cos. (Fireman's Fund) is liable to Anthony Chapman under an uninsured motorist policy issued to Chapman's grandfather, William Bulen.
William Bulen obtained an insurance policy from Fireman's Fund that included uninsured motorist coverage for 13 vehicles. A separate premium was paid...
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