FARMER, J.
Lampkin was insured by Security National for motor vehicle liability coverage in 2002 when she rear-ended a Metro-Dade public bus with 30 passengers. Several passengers claimed injuries as a result. Lampkin's policy provided bodily injury liability coverage, policy limits of $20,000 per accident, $10,000 per person. Security National paid two claimants $10,000 each—which, it argued, exhausted policy limits and all of its duties under the policy....
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