679 A.2d 540 ROBERT T. SHEETS, JR. et ux. v. THE BRETHREN MUTUAL INSURANCE COMPANY No. 47, September Term, 1995Court of Appeals of Maryland. Filed: July 26, 1996 Appeal from Circuit Court, Frederick County, Mary Ann Stepler, J. Page 635 [EDITORS’ NOTE: THIS PAGE CONTAINS HEADNOTES. HEADNOTES ARE NOT AN OFFICIAL PRODUCT OF THE COURT, […]