CARLEY, Justice.
In order to recover damages allegedly sustained in an automobile collision in December 1991, Karen Reid filed suit in February of 1993 against Spencer Lee Parker and Bobby Parker, who were insured by State Casualty Insurance Company. State Casualty was declared insolvent in January of 1994. In March of 1995, Ms. Reid served her uninsured motorist carrier (UMC), United States Fidelity & Guaranty Company (USF&G). Ms. Reid then voluntarily dismissed...
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