Forte, J.
This appeal is from the consolidated trial of two actions arising from the same collision of two vehicle operated by Kathy Howlett ("Howlett") and by Edwin Parker, Jr. ("Parker"). The vehicle driven by Parker was owned by his employer, Minute Man Chrysler-Plymouth of Concord, Inc. ("Minute Man") and insured by Universal Underwriters Insurance Company ("Universal").
Universal brought suit against Howlett to recover the amount of Personal Injury Protection...
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