ENTRY ON CROSS-MOTIONS FOR SUMMARY JUDGMENT
BAKER, United States Magistrate Judge.
I. Introduction.
Allstate Insurance Company ("Allstate") brought this declaratory judgment action to determine the rights and obligations of the parties under an automobile insurance policy issued by Allstate to Defendants John and Georgette Tozer, under which Lindsay C. Tozer (collectively, "the Tozers") was an insured person. Allstate and Defendants Eric Keltner...
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