BREWER, J.
In October 1999, William Takano and his son, Bryan, along with the other three occupants of a vehicle owned and operated by William were injured in a traffic accident caused by the negligence of another motorist, Buss. At the time of the accident, William held an automobile insurance policy with defendant that included underinsured motorist (UIM) coverage with limits in the amount of $100,000 per person and $300,000 per accident.
William and Tamara...
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