CRAWLEY, Judge.
In May 1996, Shirley M. Morgan sued Cory Shane Jones, Allstate Insurance Company ("Allstate"), and State Farm Mutual Automobile Insurance Company ("State Farm"), alleging that Jones had negligently and/or wantonly caused his truck to collide with a car in which she was a passenger. Morgan requested underinsured-motorist coverage from Allstate, the insurer of the driver of the car in which she was a passenger, and from State Farm, her own insurer. State...
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