OLSZEWSKI, Judge:
Appellant Patricia Kemether was involved in an automobile accident in December 1990. She alleged that she was forced off the road by a large truck approaching on her side of the road. Immediately after the accident, Patricia identified the truck as an Agway truck. After investigation, however, Patricia concluded that the vehicle was not an Agway truck, but was a "phantom" or unidentified vehicle. On this basis, Patricia and her husband notified appellee...
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