GARRARD, Judge.
On July 24, 1986 William P. Lowe, John D. Ream and Donald B. Drake were returning from a camping trip in an automobile owned by Ream's father. While Lowe was driving, the automobile collided with a truck driven by Kelly Kirk and owned by Thomas Brill. Drake died of injuries received in the collision. Multiple lawsuits ensued naming Lowe and the Reams as defendants. Lowe was insured by State Farm Mutual and Reams were insured by Safeco.
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