RUFFIN, Judge.
On December 31, 1993, Havard Sinclair and Kevin Riggins suffered personal injuries in an automobile collision with Sheniqua Durham. Sinclair and Riggins were minors at the time of the collision, and the car in which they were riding was owned by Sinclair's mother, Irene Sinclair. Irene Sinclair insured the car under a policy issued by Southern Guaranty Insurance Company ("Southern"). Southern paid $1,405 in medical payments coverage under the policy...
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