OPINION
ROSE, Justice.
On December 24, 1992, appellant/cross-respondent Gayle Holderer was involved in an automobile accident on Mt. Rose Highway with another vehicle driven by Lester A. Smith. Holderer, who sustained injuries as a result of the accident, filed a civil complaint against Smith alleging that Smith's negligence caused the accident and her injuries. Holderer's underinsured motorist insurance carrier, respondent/cross-appellant Aetna Casualty...
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