CIACCIO, Judge.
The original plaintiffs, Dave Williams, Jacob D. Harrison and Norine Gibson, filed suit to recover damages sustained in an automobile collision against Earl Lenard and his insurer, New York Fire & Marine Insurance Co. Before trial Mr. Lenard died and plaintiffs substituted as defendant, his wife, Agnes Garlbaldi Lenard, the administrator of his estate. Mrs. Lenard discovered that New York Fire & Marine had not renewed a previously issued insurance...
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