MEMORANDUM OPINION
BATTEY, District Judge.
PROCEDURAL HISTORY
This case represents an underinsured motorist (UIM) coverage dispute. Defendant Northwestern National Casualty Company (NWNCC) insured a pickup truck owned by plaintiff Harold Speck (Speck). Speck was a passenger in his own pickup driven by co-plaintiff Raymond Winters (Winters). Defendant United Fire & Casualty Company (UF & CC) insured plaintiff Winters. In this declaratory...
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