In settlement of the resulting claims brought by the driver's estate and the passenger, United Fire paid the combined $3 million limits of the commercial auto and umbrella policy, but denied coverage under the CGL policy based on two exclusions to the CGL Policy: the Aircraft, Auto or Watercraft ("AAW") exclusion, and the Multiple Liability Coverages Limitation ("MLCL") endorsement. High Country Paving, Inc. v. United Fire & Cas. Co. , No. CV 18-163-M-DWM, 2020 WL 42722, at **1, 3 (D. Mont. Jan. 3, 2020) (" High Country III "). United Fire argued that the injuries arose out of the use of a vehicle pulling a loaded equipment trailer, and thus arose out of the use of an "auto," precluding coverage under the CGL policy pursuant to the AAW exclusion. Id. at *3. Additionally, because coverage was provided under the commercial auto policy, United Fire argued that the CGL policy did not provide any coverage, pursuant to the MLCL endorsement.