Court of Appeals of Kansas February 1, 2002, 86,859 (Rodarte v. Kansas Department of Transportation)

Johnson, J.:

Catherine Estrada Rodarte sustained serious injuries when she drove a vehicle off the highway and struck a guardrail. Proceeding on the theory that a phantom motorist caused the accident, Rodarte filed this lawsuit against her insurer, State Farm

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Mutual Automobile Insurance Company, under ber policy’s uninsured motorist (UM) coverage.