Judge Harold R. Banke.
On January 5, 1992, Beverly Merrills and her family were involved in a single-vehicle accident in Oklahoma, which resulted in the death of one of her children and injuries sustained by her husband and other children. At the time of the accident, the appellee, Horace Mann Insurance Company, insured the vehicle driven by Beverly Merrills and another vehicle the Merrills owned, on separate policies issued in Georgia.
After the Merrills...
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