Respondent Fanselow, while operating a taxi, was involved in an accident with a motor vehicle operated by one Jefferson who was insured by Allstate. Jefferson did not report the accident to his insurer, which first learned of the matter some six months later when it received a claim letter from Fanselow's attorney. Allstate then sent Jefferson, its insured, a disclaimer letter, and its claims supervisor testified that according to office practice, a copy of the letter of...
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