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Louk v. Isuzu Motors, Inc.
IN THE SUPREME COURT OF APPEALS OF WEST VIRGINIA
September 1996 Term
No. 23051
KEVIN LOUK, ADMINISTRATOR OF THE ESTATE OF DEBORAH L. LOUK, Plaintiff Below, Appellant,
v.
ISUZU MOTORS, INC., A CALIFORNIA CORPORATION;
GENERAL MOTORS CORPORATION, A DELAWARE CORPORATION,
HARRY GREEN CHEVROLET, INC., A WEST VIRGINIA CORPORATION,
WAL-MART STORES, INC., A DELAWARE CORPORATION,
and WILLIAM S. RITCHIE, COMMISSIONER,
and/or WEST VIRGINIA DEPARTMENT OF HIGHWAYS,
Defendants Below, Appellees,

AND

VICKI LOUK,
Plaintiff Below,

v.
WAL-MART STORES, INC., A DELAWARE CORPORATION;
FRED VAN KIRK, COMMISSIONER;
and/or WEST VIRGINIA DEPARTMENT OF HIGHWAYS,
Defendants Below

Appeal from the Circuit Court of Randolph County Honorable John L. Henning, Jr., Judge Civil Action No. 92-C-524
AFFIRMED IN PART, REVERSED IN PART, AND REMANDED
Submitted: September 25, 1996 Filed: December 6, 1996
Paul J. Harris Harris & Bush Elkins, West Virginia Attorney for the Appellant Thomas H. Vanderford, IV Pauley, Curry, Sturgeon & Vanderford Charleston, West Virginia Attorney for the Appellee, Wal-Mart Stores, Inc.
J. Benjamin Unkle, Jr.
Piper & Marbury
Baltimore, Maryland
Attorney for the Appellees,
Isuzu Motors, Inc.,
General Motors Corporation,
and Harry Green Chevrolet, Inc.

Fred Adkins
Lisa A. Green
Huddleston, Bolen, Beatty, Porter & Copen
Huntington, West Virginia
Attorneys for Gray Engineering

Jill M. Jerabek
Tammy R. Harvey
Cynthia Majestro
Charleston, West Virginia
Attorneys for the Appellee,
West Virginia Department of Highways

JUSTICE ALBRIGHT delivered the Opinion of the Court.
JUDGE RECHT sitting by temporary assignment. SYLLABUS BY THE COURT

1.
"If the terms of the applicable insurance coverage and contractual exceptions thereto acquired under W.Va. Code

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