PERRETTA, J.
On July 3, 1989, Cheryl McAlpine was in an automobile accident which was caused by the negligence of an uninsured motorist. She was the sole named insured on a policy, issued to her by Commercial Union Insurance Company (Commercial), effective December 11, 1988, through December 11, 1989. Commercial paid her the full limit, $10,000, of her uninsured motorist coverage. At the time of the accident, McAlpine resided with her mother, Beatrice Cate, who had...
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