LYNCH, Chief Judge.
Melanie Landry, a resident of Maine, was involved in a car accident in New Brunswick, Canada, on November 28, 2003 in which Keith Savoie, a resident of New Brunswick, was injured. Landry was driving a vehicle owned by Rollin H. Small, Jr. when she hit Savoie's pickup truck, which was owned by Savoie's father, from the rear.
Landry was insured for the accident under a policy which was issued by Bristol West ("BW") for the six-month period...
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