OPINION
WILKINS, Judge:
Universal Underwriters Insurance Company (Universal Underwriters) appeals the trial court's order granting summary judgment in favor of State Farm Mutual Automobile Insurance Company (State Farm). We affirm.
BACKGROUND
Universal Underwriters and State Farm formally stipulated to the facts in this case, and we recite them accordingly.
This case arose from two October 1993 car accidents. The first accident...
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