OPINION
FRIEDLANDER, Judge.
Robert and Lynette Armstrong's (hereinafter referred to as the Armstrongs) nineteen-year-old daughter, Hillary, was killed in an automobile accident. After recovering the limit of available insurance coverage from the driver of the car in which Hillary was a passenger, the Armstrongs sought to collect from their own insurer, Federated Mutual Insurance Company, under its underinsured...
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