Ruggles Ex Rel. Estate of Mayer v. Grow

OPINION

MATTHEWS, Chief Justice.

I. INTRODUCTION

This case is here for the second time. The historical and most of the procedural facts are set forth in our prior opinion, Grow v. *511Ruggles,1 We recite only the facts necessary to understand the issues in this appeal.

II. FACTS AND PROCEEDINGS

Carolyn Ruggles was injured in an automobile accident involving Monte Grow. Allstate Insurance Company insured both parties.2 Ruggles sued Grow, who was defended by Allstate. Allstate paid Ruggles’s medical expenses from the medical payments coverage of her policy.3 Allstate requested Rug-gles not to include…