MATHESON, Circuit Judge. I. INTRODUCTION On December 19, 2007, a driver rear-ended Donald Etherton’s vehicle. The collision injured Mr. Etherton’s back. He filed a claim with his insurer, Owners Insurance Company (“Owners”), seeking uninsured or underinsured motorist coverage up to his policy limit. After months of back and forth, Owners offered to pay an amount significantly lower than the policy limi…
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