ADKINS, Judge.
In Queens, New York, in August 1998, a 1993 Lexus owned by Natecha Tyme, and operated at the time by Devon Guthrie, collided with a vehicle driven by Kenneth McBride. At the time of the accident, McBride's vehicle was insured by Lumbermen's Mutual Casualty Co. ("Lumbermen's"), appellee. Tyme's vehicle, on the other hand, was insured by the Maryland Automobile Liability Insurance Fund ("MAIF"), appellant. After the accident, McBride submitted a claim...
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