PETERS, J.
These consolidated cases arise from an August 10, 1997 two-vehicle accident which occurred in Lafayette, Louisiana. Sharon Renee Stevens, the driver of one of the vehicles, brought the first suit for damages against the driver of the other vehicle, Wilbert Willis, Jr., and his liability insurer, Illinois National Insurance Company (Illinois National). A second suit was filed by Mr. Willis and his wife, Vergie Willis, to recover for their personal injuries...
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