GILBERTSON, Chief Justice
[¶ 1.] While driving a car owned by her divorced parents, Megan Wheeler was hit and severely injured by an uninsured drunk driver. Both her mother and her father had automobile insurance policies. Megan's father's policy with Progressive Insurance Company (Progressive) specifically covered Megan's car and paid Megan $100,000 in uninsured motorist benefits. However, this amount did not fully compensate
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