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The decedent was killed instantly in a head-on collision with an underinsured tort feasor. The family’s underinsurance carrier previously settled for policy limits of $500,000. Counsel prevailed in establishing underinsured motorist coverage in decedent’s husband’s farm policy consistent with Goettenmoeller vs. Meridian Mutual Ins. Co., Case No. 362089 (Franklin Cty. 6/25/96), unreported.