WILLIAMS, J.
Toni Smith (Mother), as guardian ad litem and natural parent for Tracie Smith (Daughter), and Jesse Cook (Grandfather) appeal the Master-in-Equity's (the Master) order finding Daughter was not entitled to recover underinsured motorist (UIM) benefits under Grandfather's insurance policies with State Farm Automobile Insurance Company (State Farm). We affirm.
FACTS
On November 3, 2001, Daughter was a passenger in a 1999 Isuzu automobile...
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