RUFFIN, Judge.
On May 23, 1991, Jack Brunson was involved in a motor vehicle accident with Donna Owens. At the time of the collision, Brunson was insured under an automobile insurance policy issued by Allstate Insurance Company ("Allstate"). On August 12, 1991, Owens' attorney sent Allstate a letter reporting the incident and requesting payment for her medical bills. On August 30, 1991, Allstate sent Brunson a letter to the address listed on his policy, requesting...
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