MOON, Chief Justice.
Two-year old Jessica Pinto (Jessica) was killed in a single-vehicle accident while a passenger in a vehicle owned and operated by her grandfather, Roy Kaiama. Sonia Kaiama (Kaiama), Jessica's mother and special administrator of Jessica's estate, made a claim for underinsured motorist (UIM) benefits under a policy issued to Roy Kaiama by defendant-appellant AIG Hawai`i Insurance Company, Inc. (AIG). AIG denied UIM coverage on the ground that the...
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