McMURRAY, Presiding Judge.
On May 10, 1982, Lamb Brothers Lumber Company, Inc. ("Lamb Brothers"), was covered by an automobile liability policy issued by Early American Insurance Company ("Early American") and by an umbrella policy issued by South Carolina Insurance Company ("South Carolina Insurance"). The automobile liability policy provided coverage limits of $500,000. The umbrella policy provided excess coverage of $1,000,000.
The umbrella policy contained...
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