OPINION
TOMLJANOVICH, Justice.
This appeal arises out of an accident that occurred on August 13, 1988 which injured Crystal Hanks, the minor daughter of respondents Ralph Hanks and Brenda Bauman who were divorced in 1984. Crystal lives with her mother. At the time of the accident, Crystal was visiting her father at his farm pursuant to court-ordered visitation. Appellant Reinsurance Association of Minnesota (RAM) insured Ralph Hanks under a farm multi-peril...
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