OPINION
TOUSSAINT, Chief Judge.
Illinois Farmers Insurance Company (Farmers) argues in its appeal that Jamie Heinen, a named insured under his own automobile insurance policy, is not entitled to underinsured motorist coverage under his parents' automobile insurance policy. Because respondent's automobile insurance policy is closer to the risk, we reverse and remand.
FACTS
The parties agree that Heinen (1) received severe personal injuries...
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