The plaintiff-appellant, Ralph Dominguez [hereinafter referred to as "operator"], was injured in an automobile accident on March 23, 1994, while operating a motor vehicle owned by his mother and insured by the defendant-appellee automobile liability insurer, Liberty Mutual Insurance Company [hereinafter referred to as "insurer"] under a standard Massachusetts automobile policy. As a result of the accident, the operator incurred medical expenses totalling $3,295. Upon the...
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