NEELY, Justice:
In May, 1982, the plaintiff, Evelyn R. Jones, bought an automobile liability insurance policy from the defendant, Motorists Mutual Insurance Company. Mrs. Jones had a teenage son named Dale whom she agreed to exclude from the automobile policy's coverage. Although the record before us is silent about why she excluded Dale, the briefs of counsel point out that insurance companies view teenage drivers as "high risk" insureds and charge lower rates when...
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