King, Senior Judge:
On June 5, 2009, Lawrence A. Hubb was injured when Gregg Mutter's vehicle rear-ended Hubb's vehicle in Montgomery County, Maryland. At the time of the collision, State Farm Automobile Insurance Company covered Hubb's vehicle and Erie Insurance Company covered Mutter's vehicle. Soon after the accident, Hubb claimed no-fault personal injury protection ("PIP") benefits under his State Farm policy. Hubb's PIP policy with State Farm read:
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