ARMSTRONG, J.
On December 1, 1989, Jason Fedele drove his parents' automobile head-on into another vehicle, killing himself and seriously injuring the driver of the other vehicle, Kevin M. Connors. Liability was established, and Connors was paid $455,000 from the Fedeles' automobile insurance liability coverage — an amount that apparently fell short of Connors' actual damages. For further recovery, Connors looks to an umbrella liability policy issued by Commercial...
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