HAROLD L. LOWENSTEIN, Judge.
I. FACTUAL AND PROCEDURAL BACKGROUND
Joseph Tauvar's automobile liability policy, issued by American Family Mutual Insurance ("American Family"), provided for up to $10,000 in medical benefits in the event of an accident. Tauvar was injured in a car accident in October 1997. He subsequently filed $10,000 worth of claims for medical expenses associated with the car accident.
American Family investigated the claims, asking...
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