TROUT, Chief Justice.
This is an appeal from an order of the district court granting the defendant-respondent Safeco Insurance Company of America's ("Safeco") motion for summary judgment.
I.
FACTUAL AND PROCEDURAL BACKGROUND
On November 3, 1993, Betty Vincent was injured in a car accident through no fault of her own. She allegedly suffered over $100,000 in damages as a result of the accident. On December 14, 1995, Betty and her husband...
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