GERRARD, Justice.
INTRODUCTION
Debra Swartzendruber (formerly Debra Croxen) was injured and her husband, Ronald Croxen, was killed when they were involved in a motor vehicle accident with Richard Girmus on August 17, 1989. Swartzendruber's automobile insurance company, Continental Western Insurance Company (Continental Western), paid Swartzendruber $8,540 for the property damage to her truck. Swartzendruber later settled the personal injury and wrongful...
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