Uninsured and Underin-sured Motorist Insurance 2d § 44.2 n. 2 (1995); see also Ky.Rev.Stat. Ann. § 304.39-320 (Lexis Supp.2000) S.D. Codified Laws § 58-11-9.5 (Lexis 2000). 25 . 223 N.J.Super. 174, 538 A2d 414 (App.Div. 1988). 26 . - Id. at 418 (emphasis added). 27 . Webster's Third New International Dictionary 796 (1966) (emphasis added). 28 . See supra note 19; see also Progressive Ins. Co. v. Simmons, 953 P.2d 510, 519 (Alaska 1998). 29 . See, eg., Farmers Ins. Exch. v. Hurley, 76 Cal.App.4th 797, 90 Cal.Rptr.2d 697, 701 (1999) (statutes may be inva (Iowa 1989) (declining to enforce a UIM exhaustion requirement which conditioned coverage on the injured insured's actual receipt of the full liability limits); Brown v. USAA Cas. Ins. Co., 17 Kan.App.2d 547, 840 P.2d 1203, 1205 (1992) (<HOLDING>); Schmidt v. Clothier, 338 NW2d 256, 261
holding exhaustion requirement inapplicable when requiring exhaustion would be futile holding the statutory notification requirement unenforceable recognizing that issue exhaustion requirement and requirement exhaustion of remedies are different holding exhaustion requirement void and unenforceable because not included in a statutory list of permissible exclusions holding that issue exhaustion is mandatory even if not a statutory jurisdictional requirement