COOK, Judge.
On February 1, 1988, seventeen-year old William Scelza ("Scelza") was riding as a passenger in a car driven by Eric Metzger ("Metzger") and owned by Metzger's brother. The car went off the road and over an embankment resulting in serious injury to Scelza and others in the car.
Each passenger first looked to the driver's insurance for recovery. The driver's two insurance policies had a combined maximum bodily injury limit of $400,000. When this...
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