OPINION
WEISBERG, Judge.
¶ 1 Ramundo De Luna was killed in a motor vehicle accident. His widow and children ("appellants") filed a declaratory action against defendant, Miller's Mutual Fire Insurance Company of Texas ("Miller's Mutual"), seeking underinsured motorist insurance ("UIM") coverage. The trial court granted summary judgment to Miller's Mutual. For the reasons discussed below, we reverse.
FACTS AND PROCEDURAL HISTORY
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