MEMORANDUM OPINION AND ORDER
CARROLL, United States Magistrate Judge.
I. PROCEDURAL HISTORY AND FACTS
American Motorists Insurance Company filed a complaint for declaratory judgment on August 26, 1998 seeking a declaration that it owed neither a defense or indemnity to the defendants, Southern Security, Sue Ann Gassett, Christopher Bennett and Elois Bennett, in two lawsuits filed in the Circuit Court of Lowndes County, Alabama, by Eva Mae Howard...
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