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Try CasePortal for FreeJ. Smith finds the district court improperly found the insurer owed the racing event organizer a duty to defend. The organizer sought legal defense when injured parties and estates of deceased sued after a vehicle careened into the crowd of spectators. A motor vehicle exclusion unambiguously excludes coverage for the damages at issue. The policy is not "illusory," as claimed by the organizer, as it does cover spectator slip and falls. Reversed.
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