BECK, Judge:
The sole issue in this declaratory judgment action is whether the appellee/defendant David Margerum was an "insured" person within the meaning of the automobile insurance policy that appellant/plaintiff, General Accident Company of America ("General Accident") issued to Margerum's employer, Peter Hricko. Margerum was driving Hricko's van when he had an accident resulting in the death of a pedestrian. The pedestrian's estate brought suit.
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