TAYLOR, Justice.
Whitney Martin was seriously injured when a car she and her husband owned was in an accident caused by the negligent driving of Annette Failes. Mr. and Mrs. Martin and Annette Failes carried virtually identical liability insurance through Farmers Insurance Exchange. Paying Whitney Martin the full $100,000.00 on Annette Failes' policy, Farmers Insurance Exchange relied upon a "household exemption" to limit recovery to $25,000.00 under Mr. and Mrs....
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