SWEENEY, J.
Leonard and Waneita Rees were both injured in an automobile collision on May 5, 1991. The other driver involved in the accident was Frank Romish. At the time of the accident, Mr. Romish was operating a pickup truck owned by Leroy Pitts. Mr. Pitts had $500,000 of liability insurance covering the pickup, with Transamerica Insurance Company. The policy covered permissive drivers and, therefore, Mr. Romish. Mr. Romish also carried $50,000 of liability coverage...
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