problem with an xml/xsl transformation

Hi,
I'm having a problem with an xml/xsl transformation.
Here's my input xml:

<?ACORD version="1.1.0"?>
<ACORD>
	<ClaimsSvcRq>
		<RqUID>WD8AC682D22724742BE75ACE677BB1A94W</RqUID>
		<ClaimsNotificationAddRq>
			<RqUID>789B6D9C-8C5F-430A-95D9-533691A50E66</RqUID>
			<ClaimsParty id="W8D7A048C211A4977BD1960FEE2CED8D8W">
				<GeneralPartyInfo>
					<NameInfo>
						<CommlName>
							<CommercialName>C J Pounder III &amp; Brock Pounde</CommercialName>
						</CommlName>
					</NameInfo>
					<Addr>
						<Addr1>1525 E Kaywood Way</Addr1>
						<City>Spokane</City>
						<StateProvCd>WA</StateProvCd>
						<PostalCode>99208-</PostalCode>
					</Addr>
				</GeneralPartyInfo>
				<PersonInfo>
					<BirthDt>1955-01-03</BirthDt>
				</PersonInfo>
				<ClaimsPartyInfo>
					<ClaimsPartyRoleCd>VEH</ClaimsPartyRoleCd>
					<ClaimsPartyRoleCd>DRV</ClaimsPartyRoleCd>
					<ClaimsPartyLocCd>INSVEH</ClaimsPartyLocCd>
					<RelationshipToInsuredCd>IN</RelationshipToInsuredCd>
					<OtherOrPriorPolicy>
						<PolicyCd/>
						<LOBCd>BLANK</LOBCd>
						<InsurerName>other insurancex</InsurerName>
					</OtherOrPriorPolicy>
				</ClaimsPartyInfo>
				<ClaimsDriverInfo>
					<DriversLicense>
						<DriversLicenseNumber>DRIVERSLICNUMBERX</DriversLicenseNumber>
						<StateProvCd>WA</StateProvCd>
					</DriversLicense>
					<PurposeUse>purpose of u</PurposeUse>
					<PermissionInd>1</PermissionInd>
				</ClaimsDriverInfo>
			</ClaimsParty>
		</ClaimsNotificationAddRq>
	</ClaimsSvcRq>
</ACORD>

and my xsl:

<?xml version="1.0" encoding="UTF-8"?>
<xsl:stylesheet version="1.0" xmlns:xsl="http://www.w3.org/1999/XSL/Transform">

	<xsl:output method="xml" indent="yes"/>

	<!-- Use This To Select The Correct AutoLossInfo Aggregate For The Insured Vehicle Owner -->
	<xsl:variable name="OwnerRefID" select="ACORD/ClaimsSvcRq/ClaimsNotificationAddRq/ClaimsParty[descendant::ClaimsPartyRoleCd='VEH' and descendant::ClaimsPartyLocCd='INSVEH']/@id"/>

	<!-- Use This To Select The Driver In The Insured Vehicle -->
	<xsl:variable name="DriverInsuredVehicleID" select="ACORD/ClaimsSvcRq/ClaimsNotificationAddRq/ClaimsParty[descendant::ClaimsPartyRoleCd='DRV' and descendant::ClaimsPartyLocCd='INSVEH']/@id"/>

	<xsl:template match="*">
		<xsl:element name="UdtFNOLArray">
			<!-- Insured Vehicle - Can Be Multiple -->
			<xsl:call-template name="DoVehicleData"/>
		</xsl:element>
	</xsl:template>	
	
	<xsl:template match="ClaimsSvcRq/ClaimsNotificationAddRq/AutoLossInfo/BasicVehInfo">
		<!-- Vehicle Data -->
		<xsl:element name="VehicleYear">
			<xsl:value-of select="ModelYear"/>
		</xsl:element>
		<xsl:element name="Make">
			<xsl:value-of select="Manufacturer"/>
		</xsl:element>
		<xsl:element name="Model">
			<xsl:value-of select="Model"/>
		</xsl:element>		
		<!-- Vehicle Data -->
	</xsl:template>
	
	<xsl:template match="ClaimsSvcRq/ClaimsNotificationAddRq/ClaimsParty/ClaimsPartyInfo[descendant::ClaimsPartyRoleCd='VEH' and descendant::ClaimsPartyLocCd='INSVEH']">
		<xsl:element name="OwnerName">
			<xsl:call-template name="GetName"/>
		</xsl:element>
	</xsl:template>

	<xsl:template match="ClaimsSvcRq/ClaimsNotificationAddRq/ClaimsParty/ClaimsPartyInfo[descendant::ClaimsPartyRoleCd='DRV' and descendant::ClaimsPartyLocCd='INSVEH']">
		<xsl:element name="DriverName">
			<xsl:call-template name="GetName"/>
		</xsl:element>
	</xsl:template>

	<xsl:template name="GetName">
	   	<xsl:choose>
	   		<!-- The Following Tests If The XML Element Tag Exists Or Not -->
   			<xsl:when test="boolean(../GeneralPartyInfo/NameInfo/CommlName/CommercialName)">
				<xsl:value-of select="../GeneralPartyInfo/NameInfo/CommlName/CommercialName"/>
   			</xsl:when>
	   		<xsl:otherwise>
				<xsl:value-of select="../GeneralPartyInfo/NameInfo/PersonName/GivenName"/><xsl:text> </xsl:text>
				<xsl:value-of select="../GeneralPartyInfo/NameInfo/PersonName/OtherGivenName"/><xsl:text> </xsl:text>
				<xsl:value-of select="../GeneralPartyInfo/NameInfo/PersonName/Surname"/>
	   		</xsl:otherwise>
	   	</xsl:choose>
	</xsl:template>
	
	<xsl:template name="DoVehicleData">
		<xsl:element name="VehicleData">
			<xsl:apply-templates select="ClaimsSvcRq/ClaimsNotificationAddRq/AutoLossInfo[@OwnerRef=$OwnerRefID]/BasicVehInfo"/>

		   	<xsl:choose>
	   			<xsl:when test="$OwnerRefID=$DriverInsuredVehicleID">
	   				<!-- Vehicle Owner Is Same As Vehicle Driver -->
					<xsl:apply-templates select="ClaimsSvcRq/ClaimsNotificationAddRq/ClaimsParty/ClaimsPartyInfo[descendant::ClaimsPartyRoleCd='VEH' and descendant::ClaimsPartyLocCd='INSVEH']"/>
					<xsl:apply-templates select="ClaimsSvcRq/ClaimsNotificationAddRq/ClaimsParty/ClaimsPartyInfo[descendant::ClaimsPartyRoleCd='DRV' and descendant::ClaimsPartyLocCd='INSVEH']"/>
	   			</xsl:when>
		   		<xsl:otherwise>
					<xsl:apply-templates select="ClaimsSvcRq/ClaimsNotificationAddRq/ClaimsParty[@id=$OwnerRefID]/ClaimsPartyInfo"/>
		   		</xsl:otherwise>
		   	</xsl:choose>

		</xsl:element>
	</xsl:template>

</xsl:stylesheet>

what the transform looks like:

<?xml version="1.0" encoding="UTF-8"?>
<UdtFNOLArray>
	<VehicleData>
		<DriverName>C J Pounder III &amp; Brock Pounde</DriverName>
		<DriverName>C J Pounder III &amp; Brock Pounde</DriverName>
	</VehicleData>
</UdtFNOLArray>

and what it should look like:

<?xml version="1.0" encoding="UTF-8"?>
<UdtFNOLArray>
	<VehicleData>
		<OwnerName>C J Pounder III &amp; Brock Pounde</DriverName>
		<DriverName>C J Pounder III &amp; Brock Pounde</DriverName>
	</VehicleData>
</UdtFNOLArray>

The Driver element gets repeated. If I switch locations of the Owner and Driver xsl sections, the Owner gets repeated. I'm thinking this is do to similar templates having only the "descendant::ClaimsPartyRoleCd='VEH'" being different and the last one "wins". But I'm having difficulty coming up with a different method that works.
Any help would be appreciated.
thanks!  gary