The opinion of the court was delivered by BROCHIN, J.S.C. (temporarily assigned).
JoAnn Hamel was injured in an automobile accident. She and her husband, Richard P. Hamel, asserted a claim against William Snee, the driver of the other car involved in the accident.
Mr. Snee's automobile liability insurer was Allstate Insurance Company. The limit of his relevant coverage was $15,000, and,
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