The opinion of the court was delivered by
KLEINER, J.A.D.
On May 20, 1995, Shannon Kay Wittkopp ("Shannon"), then age fourteen, was a pedestrian on County Road 620 in Shamong Township when she was struck and killed by an insured driver, Robert A. Kinsel, Jr. Kinsel's automobile liability insurance carrier provided him with $100,000 comprehensive liability coverage.
Shannon's natural parents were divorced in either 1985 or 1986.
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