While riding her bicycle on September 10, 1987, defendant Winney was struck by a motor vehicle driven by defendant Dominelli and owned by defendant Konopka. The plaintiff Utica Mutual Insurance Company (hereinafter called Utica Mutual) had issued a liability policy to defendant Dominelli. The defendant Preferred Mutual Insurance Company (hereinafter called Preferred Mutual) had issued a liability policy to defendant Konopka.
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