OPINION
SUSANO, Judge.
This appeal involves a coverage question under the uninsured motorist (UM) provisions of the appellants' automobile insurance policy. In their original complaint, the appellants, Sanders K. Whaley and his wife, Della Whaley (Whaleys), sued Christopher S. Underwood and Robert S. Underwood (Underwoods) for damages arising out of an automobile accident. Almost four years later, the Whaleys joined their insurer, Preferred Risk Mutual...
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