PER CURIAM.
On February 19, 1993, plaintiff Sarah Mortara was driving a Vineland Board of Education school bus when it collided with an automobile operated by Herminio Cordero. Royal Insurance Company insured Cordero with $50,000 maximum liability coverage. Mortara, who was seriously injured in the accident, had a personal liability insurance policy with Ohio Casualty containing $50,000 underinsured motorist ("UIM") coverage and was also insured by the school board...
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