OPINION
STRINGER, Justice.
On June 15, 1988, while Maynard Neuleib was insured by the appellant Northland Insurance Company (Northland) under a policy that provided personal injury protection (PIP) no-fault benefits, he suffered a dislocated left shoulder when a large heavy pontoon fell onto his shoulder from a truck he was unloading. He received medical care and within approximately one month he resumed his work as a truck driver. Northland paid Neuleib...
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