DEBORAH S. EYLER, Judge.
State Farm Mutual Automobile Insurance Company ("State Farm"), the appellant, challenges what we shall treat as a summary judgment ruling on liability, by the Circuit Court for Talbot County, on a contract claim for uninsured motorist insurance policy benefits brought by Nancy Trempe, the appellee. The parties stipulated to damages, and judgment was entered on that basis.
State Farm has raised three questions,
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