GRIFFEN, Judge.
In this appeal, American Underwriters Insurance Company challenges the trial court's decision that it was not entitled to subrogation according to its insurance contract with Gail Turner for the costs of medical expenses paid under Turner's first-party coverage, despite the fact that Turner settled a tort claim against a third party for $25,000. Appellant also challenges the trial court's decision awarding $13,941.73 for statutory penalty, interest...
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