OPINION
LUTTIG, Circuit Judge:
The Liberty Corporation brought an action for reimbursement against the personal representative of John W. Bristow's estate, NCNB National Bank of South Carolina, after paying the medical expenses incurred by Bristow following an automobile accident. The district court granted NCNB's motion for summary judgment. We affirm.
I.
On October 21, 1989, Bristow's automobile was struck by a dump truck in Charlotte...
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