YELVERTON, Judge.
This case is a concursus. American Southern Home Insurance Company (American Southern Home) issued a mobile home insurance policy to Walter Lee Thibodeaux. Harvey Benoit, 15, while visiting in the Thibodeaux mobile home on November 8, 1990, was accidentally shot and killed.
American Southern Home's policy had liability coverage with a limit of $50,000, and medical coverage with a limit of $500. Laura
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