355 F.3d 593 MOTORISTS MUTUAL INSURANCE COMPANY, Plaintiff-Appellee,v.Vakisha L. HAMMOND, as Mother and Legal Guardian of Vaniqua Hammond, a minor, Defendant-Appellant. No. 02-5577. United States Court of Appeals, Sixth Circuit. Argued December 12, 2003. Decided and Filed January 15, 2004. Appeal from the United States District Court for the Western District of Kentucky, Thomas B. […]