RANDOLPH, Justice, for the Court:
¶ 1. Hal Wayne Deaton, an Allstate Insurance Company insured, was injured by Caresha Nichols, an uninsured motorist. Deaton was acting in the course and scope of his employment with Gregory L. Carr when injured. Carr's vehicles were insured by Mississippi Farm Bureau Casualty Insurance Company. Deaton, a Class II insured, presented a claim to Farm Bureau seeking to stack the "Uninsured Motorist Bodily Injury" ("UMBI") benefits...
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