OWENS, Chief Judge:
The court held a nonjury trial on May 18, 1994, in this declaratory judgment action initiated by Allstate Insurance Company ("Allstate") against their policy holders John and Margaret Dillard (collectively the "Dillards") and the injured party Michael Troy Griffin, Jr. ("Michael Griffin, Jr." or "Griffin"), by and through his parents Michael and Elsie Griffin (the "Griffins"). The Dillards brought a claim under their deluxe mobilehome owner's policy...
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