Nos. 82-1625, 82-1719. Argued February 4, 1983. Decided March 24, 1983. Joseph G. Miller, Providence, R.I., with whom William T. Murphy, and Joseph G. Miller, Ltd., Providence, R.I., was on brief, for Anthony Voccio and Domenic Voccio. Peter Lawson Kennedy, Providence, R.I., with whom Adler Pollock Sheehan Incorporated, Providence, R.I., was on brief, for Reliance Insurance Companies, et al. Appeal from the United States District Court for the District of Rhode Island. Before ALDRICH and BREYER,