ERVIN, Judge.
Travelers Insurance Companies (Travelers), in its appeal from a summary final judgment entered against it, argues that the trial court erred in ruling that appellee was entitled to recover underinsured motorist (UM) benefits from it on the theory that the automobile in which appellee, Charles Chandler, was injured qualified as an uninsured or underinsured motor vehicle, as defined in Section 627.727(3)(b), Florida Statutes (1985),
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