WOLLMAN, Circuit Judge.
American Family Mutual Insurance Company (American Family) appeals from the district court's judgment, which requires American Family to pay Richard Wibbenmeyer (Richard) the maximum underinsured motorist coverage on each of the two policies issued to Richard's parents. We reverse.
As stipulated by the parties, the facts reveal that on March 2, 1988, Richard was seriously injured while riding as a passenger in an automobile owned by...
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