The opinion of the court was delivered by
DAVIS, J.:
Lindsay Cannon and her passenger Adam Hipp were injured in a one-car accident allegedly caused by the negligent driver of a phantom vehicle. Farmers Insurance Company, Inc. (Farmers) settled with Hipp on his liability claim against Cannon. However, Farmers denied Cannon's uninsured motorist claim based on a policy exclusion preventing Hipp, as one having a claim from the same accident, from verifying the...
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