MESCHKE, Justice.
Margaret Ertelt appeals a summary judgment for EMCASCO Insurance Company denying her no-fault auto insurance claim for death of her husband. We affirm.
In August 1990, John Ertelt drove his wife's (Margaret) car into his grain field, located across I-94 from his son's (Jack) residence. Somehow, the car caught on fire. John ran about three-eighths of a mile to Jack's to summon help. Upon arrival,
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