GUIDRY, Judge.
This suit arises as a result of an automobile accident which occurred on January 19, 1988. Plaintiffs, Raymond Rosenthal and Carol Wilson, filed this suit naming as defendants Robert Smith; Mid-American Indemnity Company (hereafter Mid-American), insurer of the vehicle owned by Ellen Thomas and being driven by Robert Smith; Champion Insurance Company (hereafter Champion), liability insurer of Robert Smith
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