On September 18, 1988 in the Town of Orangetown, Rockland County, the automobile operated by Frank Valerio in which respondent was a passenger collided with an automobile owned and operated by Adeline Ferrantello. Allstate Insurance Company, the liability insurance carrier for Ferrantello, offered to settle respondent's personal injury action against its insured for $100,000, the full amount of its policy. Respondent requested that petitioner...
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