COBB, Chief Judge.
The issue on this appeal concerns the availability of PIP coverage to a passenger from an insured driver operating an uninsured vehicle. Diane Williams, a passenger in a car driven by Rosalyn Thomas and owned by Horris Simmons, was injured in a collision with a third vehicle. Simmons had no insurance; Thomas had insurance on her own car; and Williams owned no vehicle and had no insurance. Williams sued Utah Home Fire Insurance Company, the carrier...
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