STEWART, J.
Beverly Wilhite ("Wilhite") and her insurance carrier, National Automotive Insurance Company ("National"), and Hartford Insurance Company of the Midwest, the UM carrier of Thomas and Lila McElroy, appeal the judgment of the trial court dated June 18, 2004, finding Wilhite 100% at fault for the subject accident. For the reasons that follow, we reverse, render, and remand to the trial court for hearings consistent with this opinion.
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