SULLIVAN, Justice.
In July 2000, while riding bicycles with his four-year-old cousin, D.L.B., six-year-old Seth Baker was struck and killed by a vehicle driven by Herbert Wallace. D.L.B. was not himself physically injured but suffered from Post-Traumatic Stress Disorder as a result of witnessing his cousin's fatal injuries.
Wallace was insured by State Farm Mutual Automobile Insurance Company. The State Farm policy included bodily injury coverage in the amount...
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