SWOFFORD, Judge.
The appellant issued its Automobile Policy (Auto-Rite) to Nadine Bailey, being Policy No. 30AD111749, wherein it agreed, among other things, to pay reasonable medical expense incurred within one year from the date of an accident for bodily injuries caused by such accident and sustained by the named insured or a relative. By rider designated "Auto-Rite SP-25-Amendment of Medical Expense Coverage", the policy provided:
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