OPINION
AMUNDSON, Judge.
This case arises out of the death of Xai Kong Vang on January 16, 1988. Peng Vang as trustee for the heirs and next-of-kin of Xai Kong Vang, sued Shoua Vang, the driver of the truck that hit Xai Kong Vang; Hiawatha Valley Farm Coop, which owned the truck; and Mary Ann Lavin, both individually and as personal representative of the Estate of Larry Lavin. The truck was insured by Auto Owners Insurance Company, which provided liability...
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