DEEN, Presiding Judge.
On January 17, 1985, the appellee, Yuwanna Lowery, was injured when a vehicle in which she was a passenger ran off the road and into a culvert. The vehicle was driven by Donald Belcher and insured by the appellant, Universal Security Insurance Company. Both Belcher and Lowery claimed that driving off the road had been necessary to avoid a head on collision with another vehicle that had crossed the centerline. There was no physical contact between...
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