JAMES R. DOWD, Chief Judge.
Louise Ryterski was insured by American Family Mutual Insurance Company when she was involved in a car accident on Aug. 13, 1997. In August 2000 she filed suit for breach of her contract of insurance, praying for $1,619.68 of unreimbursed medical payments and $5,000.00 for vexatious refusal to pay, a cause of action authorized by § 375.420 RSMo (2000). On August 9, 2000, American Family was served through the Director of Insurance...
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