KLIEBERT, Judge.
This appeal raises issues as to two separate insurance carrier's exposure under liability and uninsured motorist policies for plaintiffs' personal injuries arising out of two separate accidents, and the assessment of penalties and attorney fees against the uninsured motorist carrier for failure to pay the claims.
The first accident occurred in Hancock County, Mississippi on April 8, 1985 when a vehicle owned and operated by Mario Quijano collided...
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