ROY L. RICHTER, Judge.
I. Background
Driver was involved in an automobile accident with Deandreis Dowell ("Dowell") on April 4, 2012. Driver was driving a 2002 Chevrolet Impala, which was titled in his mother's name, Pam Carter, and which was insured by Shelter under Policy No. 24-1-3761928-1 ("the Impala Policy"). Driver's mother also...
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