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  5. 943 P.2d 593 (1997)
 

EMPLOYERS MUT. CAS. CO. v. MOSBY

No. 85967.

943 P.2d 593 (1997)

1997 OK 93

EMPLOYERS MUTUAL CASUALTY COMPANY, as Subrogee of Jannette Embry, Appellant, v. James MOSBY, Dennis Childers, and Country Mutual Insurance Co., d/b/a County Companies Insurance Group, Appellees.

Supreme Court of Oklahoma.

July 8, 1997.

Attorney(s) appearing for the Case

Galen L. Brittingham, Nelson J. Christiansen, Atkinson, Haskins, Nellis, Boudreaux, Phipps & Brittingham, Tulsa, for Appellant, Employers Mutual Casualty Company.

L. Richard Howard, Thomas E. Baker, Daniel, Baker & Howard, Tulsa, for Appellee, James Mosby.

HARGRAVE, Justice.

SUMMARY OF FACTS AND PROCEDURAL HISTORY

¶ 1 On May 16, 1992 Jannette Embry (insured) was involved in an automobile collision with James Mosby (tortfeasor) who was driving a car owned by Dennis Childers (owner). The insured notified both the owner's liability carrier, Country Companies Insurance Group, and the insured's UM carrier, Employers Mutual Casualty Company (insurer). The latter paid the insured $12,000.00 on November 5, 1993...

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