OXBERGER, Chief Judge.
On July 29, 1986 eighteen-year-old Michelle Anne Pipho was a passenger in a car driven by Tracy Ann Holman which left the traveled portion of the road and stuck a berm, causing severe injury to Pipho.
Pipho's past medical expenses were approximately $19,000. Of this amount, $11,778.67 was paid by Cedar Valley Health Plan (CVHP), a health insurer which provided coverage for Pipho through her father's employment.
After trial, a...
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