Opinion by Judge ROTHENBERG.
Plaintiff, State Farm Mutual Automobile Insurance Company (State Farm), appeals from the trial court judgment confirming an arbitration award entered in favor of defendants, Renee W., Brent, Monte, Dionne, and Sarah Stein (insureds). We reverse and remand with directions.
I.
In September 1991, Joel Stein was killed when the bicycle he was riding was struck by an uninsured motorist. At the time of the accident, Joel Stein...
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