IMBER, Justice.
This case involves an interpretation of the underinsured motorist coverage statute, Ark. Code Ann. § 23-89-209(a)(Supp.1997). Appellant Deborah Majors was involved in an accident with an underinsured vehicle. At the time of the accident, Ms. Majors was insured by American Premier Insurance Company. Ms. Majors filed suit against American Premier alleging that she was entitled to underinsured motorist (UIM) coverage in the amount of $25,000.00....
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