BROGAN, Presiding Judge.
{¶ 1} This case involves a claim for underinsured-motorist ("UIM") coverage under umbrella policy No. 35-03-9984-0 issued by State Farm and Fire Casualty Company to Carol and Terence McLean. The policy was originally effective on February 21, 1989, had liability limits of $1,000,000, and was written without uninsured-motorists ("UM") or UIM coverage. As the applicant, Mr. McLean originally rejected UM/UIM coverage. Subsequently, on April...
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