Harleysville Mutual Insurance Company Huron Insurance Company v. Kimberly Laws Packer, Terry Wayne Packer, Guardian for the Foregoing, and Terry Wayne Packer, Individually and as Guardian for Kimberly Laws Packer and Guardian Ad Litem for Stephanie Packer Willard Ray Faircloth Gladystine Faircloth Jonathan Keith Thornton Oscar Mitchell Carter Lawrence Michael Brush Ervin I. Baer, Administrator of the Estate of Sidney Ray Sheppard, Jr. Phillip J. Sheppard John C.W. Gardner Betty C. Brown, of the Estate of John H. Brown, D/B/A Sheppard Associates, a Partnership H. David Swain, Individually and D/B/A Swain Associates Stephanie Packer, Terry Wayne Packer, Guardian Ad Litem for the Foregoing, Harleysville Mutual Insurance Company Huron Insurance Company v. H. David Swain, Individually and D/B/A Swain Associates, and Terry Wayne Packer, Individually and as Guardian for Kimberly Laws Packer and Guardian Ad Litem for Stephanie Packer Willard Ray Faircloth Gladystine Faircloth Jonathan Keith Thornton Oscar Mitchell Carter Lawrence Michael Brush Ervin I. Baer, Administrator of the Estate of Sidney Ray Sheppard, Jr. Phillip J. Sheppard John C.W. Gardner Betty C. Brown, of the Estate of John H. Brown, D/B/A Sheppard Associates, a Partnership Kimberly Laws Packer, Terry Wayne Packer, Guardian for the Foregoing Stephanie Packer, Terry Wayne Packer, Guardian Ad Litem for the Foregoing

Court of Appeals for the Fourth Circuit