(insurance case involving tractor/car accident in which tractor driver was husband of car driver and died at the scene; decedent's son in car at time of accident was step-son of vehicle driver and sued step-mom through his natural mother for negligence and sought damages for mental distress caused by witnessing his father's death; in separate action decedent's estate filed wrongful death action; based on language of policy that said that bodily injury to one person included all injury and damages resulting from that bodily injury, claims arising from son's witnessing his father's death were included in policy liability limit and not entitled to separate limit - including emotional distress).
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