Respondent purchased a policy of automobile insurance from petitioner with liability limits of $100,000/300,000 for bodily injury, $25,000 property damage, and $10,000/20,000 uninsured motorist coverage. After an accident with another vehicle that was minimally insured, respondent settled with that vehicle's insurer for the $10,000 limit of that policy, and then served a demand upon petitioner for arbitration of an underinsured motorist claim in the amount of $100,000.
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