Lahtinen, J.
In July 2004, respondent allegedly sustained personal injuries in an automobile accident and was eventually paid $25,000, the limits of the other driver's insurance policy. He also submitted a claim for underinsurance benefits to the local office of petitioner (his insurance company) and, thereafter, had communications regarding the matter with petitioner's offices in Saratoga and Monroe Counties. Petitioner reserved its right to deny coverage and, eventually...
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