Lawrence M. Bacon, Jr. ("Bacon Jr.") was killed as a passenger in a car driven by Scott Andres into a tractor-trailer truck. Bacon Jr.'s father, plaintiff-appellee Lawrence M. Bacon, Sr. ("Bacon Sr."), was appointed administrator of his son's estate. Andres had an insurance policy with Nationwide Insurance Company ("Nationwide"), which had liability limits of $100,000 per person and $300,000 per accident...
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