DAVIS, Justice:
The plaintiff below and appellant herein, Bobby Bailey, as administrator of the estate of James Michael Bailey [hereinafter Michael Bailey or decedent], appeals from an order of summary judgment entered by the Circuit Court of McDowell County on July 31, 1996. The circuit court, ruling in favor of the defendant below and appellee herein, Kentucky National Insurance Company [hereinafter Kentucky National], held that Kentucky National had effectively...
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