KLIEBERT, Chief Judge.
Summary judgment was granted in favor of Allstate Insurance Company and against plaintiff, Josephine S. Lovoi, finding that the insureds, the Lyns, had effectively waived uninsured/underinsured (UM) coverage. The facts in this case are not in dispute. On December 5, 1992, plaintiff was a guest passenger in Janice Lyn's automobile. Alleging injury, Lovoi sued 1) the colliding driver and his insurer, 2) Allstate in its two capacities as the liability...
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