ORDER

This appeal arises out of two consolidated cases litigating the proper allocation of insurance coverage for personal injury claims filed by two families after two separate automobile accidents involving hauling agents and lessors of United Van Lines, LLC (UVL). Vanliner Insurance Company appeals from the circuit court’s grant of summary judgment in favor of North American Specialty Insurance Company (North American). UVL and Unigroup, Inc. appeal from the trial court’s denial of their motion for summary judgment. We have reviewed the briefs of the parties and the record on appeal and conclude that North American is entitled to judgment as a matter of law. ITT Commercial Fin. Corp. v. Mid-Am. Marine Supply Corp. 854 S.W.2d 371, 376 (Mo.banc 1993). An extended opinion would have no prece-dential value. We have, however, provided a memorandum setting forth the reasons for our decision to the parties for their use only. We affirm the judgment pursuant to Missouri Rule of Civil Procedure 84.16(b).