GREENBERG, J.
At the time of his injury — caused by an automobile accident — the plaintiff, Michael Lighter, had a standard Massachusetts automobile insurance policy, issued by Arbella Insurance Company (Arbella) that had underinsurance motorist coverage (UIMC) with a per person limit of $10,000. His father, Albert Lighter, had a similar policy issued by Lumbermens Mutual Casualty Insurance Company (Lumbermens), that had a higher per person limit of...
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