On February 28, 1994 plaintiff James E. Owen (hereinafter plaintiff), as a pedestrian, was struck by a vehicle owned by Lois Williams and Albert Williams; approximately 10 to 15 minutes after the accident plaintiff noticed a sharp pain in his lower back. On March 1, 1994, plaintiff notified defendant, his insurance carrier, of the incident and also sought medical treatment for his back pain. Notably, during the period of time in question, plaintiff...
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