Released for Publication by Order of the Court of Appeals of Oklahoma, Division No. 1.
MEMORANDUM OPINION
CARL B. JONES, Judge:
Appellant Richard Kramer was injured in a collision with an uninsured motorist on September 13, 1993. At the time of the accident, Kramer was insured by Appellee Allstate Insurance Company ["Allstate"] under an automobile insurance policy which included uninsured motorist ["UM"] coverage. Kramer insured three vehicles...
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