On Certiorari to the Utah Court of Appeals
STEWART, Justice:
¶ 1 Nancy Wall was in an auto accident in August 1992 with Lana Waters. Wall's insurer, Bear River Mutual Insurance Company, paid her personal injury protection ("PIP") benefits. Wall sued Waters. Wall, Waters, and Waters' insurer entered into a settlement that released Waters and her insurer from any further liability. Thereafter, Wall requested additional PIP benefits from
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