WILLIAM RAY PRICE, JR., Chief Justice.
I. Introduction
Mark Karscig appeals the trial court's entry of summary judgment in favor of American Family Mutual Insurance Company in his suit seeking $25,000 in liability coverage from an automobile policy issued to Jennifer McConville, the negligent motorist who injured him. Jennifer was driving a car owned by her parents and insured under a separate policy issued to them. No one contests that $25,000 of coverage...
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