Supreme Court Nos. S-11416 / 11445. February 22, 2006. Appeal from the Superior Court of the State of Alaska, Third Judicial District, Kenai, Harold M. Brown, Judge. Superior Court No. 3KN-97-964 Civil. Murphy L. Clark, Anchorage, for Appellants/Cross-Appellees. Gary A. Zipkin, Guess Rudd P.C., Anchorage, for Appellee/Cross-Appellant Progressive Northwestern Insurance Company. Before: Bryner, Chief Justice, Matthews, Eastaugh, Fabe, and Carpeneti, Justices. MEMORANDUM OPINION AND JUDGMENT Entered