Opinion of the Court by MOON, C.J.
The instant appeals arise out of a declaratory judgment action initiated by plaintiff-appellant/cross-appellee Fireman's Fund Insurance Company (Fireman's Fund). Therein, Fireman's Fund, the assignee and insurer of Outrigger Hotels Hawai`i (Outrigger), sought a declaration that defendant-appellee/cross-appellant AIG Hawai`i Insurance Co., Inc. (AIG Hawai`i) had a duty to defend Outrigger in two personal injury lawsuits:
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