TODD, Justice.
Respondent, Jean Jernigan Rosenberger (Rosenberger), was injured in an accident involving two uninsured motorcycles. Rosenberger owned an automobile but had failed to obtain the mandatory insurance coverages. Rosenberger filed a claim with appellant, American Family Mutual Insurance Company (American Family), her stepfather's automobile insurer, for uninsured motorist benefits. American Family denied the claim, contending that Rosenberger was not a...
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