Justice HOPKINS delivered the opinion of the court:
The plaintiff, Farmers Automobile Insurance Association (Farmers), filed its complaint for a declaratory judgment in the circuit court of St. Clair County, seeking a declaration that it was not required to pay underinsured-motorist-coverage benefits to the defendant, Linda S. Kraemer. The circuit court construed a release that Kraemer had executed, determined that she did not intend to release Farmers, and entered...
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