LIACOS, C.J.
In this case, we answer four reported questions involving underinsured motorist coverage under two separate automobile insurance policies.
The parties have stipulated to the following facts. On May 11, 1985, Gregory A. Santos, II, the four year old son of Gregory A. Santos and Renee Santos, while riding a three wheel "big-wheel" bike, was struck and killed by a 1977 Ford Granada automobile owned and operated by Anna A. Durling. Durling's insurance...
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