Justice PATRICIA O. COTTER delivered the Opinion of the Court.
¶ 1 Heath Freyer, his wife, Vail, and their daughter, Alicia, were involved in an automobile accident in October 2003. Heath was killed and Alicia was injured in the accident. Frank Freyer, Heath's father, was appointed personal representative of Heath's estate and conservator of Alicia's estate. Frank made a claim for benefits under Heath and Vail's State Farm policy. State Farm paid benefits in...
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