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The named insureds brought an action against the auto insurer to recover the limit of underinsured motorist (UIM) benefits under separate policies for an injury to their minor son as a passenger in a car driven by the tortfeasor. This case is Gearhart v. Mutual of Unumclaw Insurance Company, 378 P.3d 454 (2016).

Trent Gearhart and Tina Palmer were driving in Tina’s brother’s Impala. Trent was in the passenger seat and Tina was driving. Tina was negligent and caused an accident which left Trent with a severe brain injury. The damages suffered by Trent are in excess of $600,000.

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