QUINN-BRINTNALL, J.
¶ 1 On July 1, 2005, Ki Sin Kim was injured when a car driven by an uninsured motorist crossed the center line and collided head-on with her car. On July 21, 2005, Kim filed claims requesting coverage for her medical bills and wage loss under the personal injury protection (PIP) and uninsured motorist (UIM) provisions of her Allstate Insurance Company, Inc. insurance policy. Allstate investigated and, on January 31, 2006, denied coverage because...
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