OPINION
MAASSEN, Justice.
I. INTRODUCTION
Garold Charles was in an accident while riding as a passenger in a vehicle belonging to Tara and Anthony Stout. Charles brought negligence claims against the Stouts and Credit Union 1, the lienholder on the Stouts' vehicle. Credit Union 1 moved for summary judgment. Charles opposed the motion, relying on testimony from Tara's deposition and contending in part that he was a third-party beneficiary...
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