Byron Miller, Ader Miller, Plaintiffs- Counter-Defendants v. Harco National Insurance Company, Counter-Claimant, Galo Moya, D.B.A. Shippers Services Express, Shippers Services Express, Byron Miller, Ader Miller, Plaintiffs- Counter-Defendants v. Harco National Insurance Company, Defendant- Counter-Claimant, Galo Moya, Galo Moya, D.B.A. Shippers Services Express, Shippers Services Express, 241 F.3d 1331