OPINION
SHARPNACK, Chief Judge.
Donald Ansert, by and through his legal guardian Joan Ansert, appeals the trial court's granting of summary judgment in favor of Indiana Farmers Mutual Insurance Company ("Farmers"). Farmers is seeking a declaratory judgment to determine its obligations under an insurance policy. We consolidate and restate the issues raised on appeal as:
(1) whether the insurance policy's underinsured motorist coverage should be reduced...
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