OPINION
EASTAUGH, Justice.
I. INTRODUCTION
James D. Blood was injured while riding as a passenger in an automobile operated by an uninsured driver. Blood submitted an uninsured motorist/underinsured motorist (UM/UIM) claim, but his insurer denied coverage. Blood then sued the insurer and insurance agent. We consider here whether Blood waived his right to arbitrate UM/UIM issues by seeking a declaration...
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