The underlying underinsured motorist (SUM) claim has its origins in a November 12, 1991 motor vehicle accident in which respondent Nettie Roth was injured. Her lawsuit against the alleged tortfeasor for personal injuries, as well as her respondent husband's claim for loss of services, was settled for $100,000, the full limit of the tortfeasor's automobile liability policy. At the time in question, respondents had an automobile policy with petitioner with a $300,000 single...
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