ELLIOTT, J.:
Sharon Eggleston sued for the death of her husband; she settled with the underinsured driver of one of the cars involved in the accident and then sued Janet Sharp Waugh and John Shockey, the owners of the car her husband was driving. She also sought underinsured benefits from State Farm (her carrier) and from Farm Bureau (the owners' carrier). The trial court entered summary judgment in favor of all defendants on numerous grounds.
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