OLSZEWSKI, Judge:
On July 12, 1993, Jayne Anne Craley was driving her GMC Jimmy when she was struck by an uninsured motorist and killed. Jayne Anne's son, Keith, and mother-in-law, Gloria Craley, who were passengers in the Jimmy, sustained serious personal injuries, but, thankfully, survived the crash. Jayne Anne owned her vehicle and was insured under a policy (Jayne Anne's policy) issued to her by Appellee State Farm Fire and Casualty Company (State Farm). Her husband...
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