SCHWARTZ, Chief Judge.
Pennsylvania National insured the Andersons' 1980 Cadillac Seville against property damage during the period in which it sustained an engine fire. After it was taken to the dealer's lot, the adjuster went to the premises and, induced in large measure by the uncanny coincidence that the two cars shared three of the last four digits of their vehicle identification numbers, inspected another, that is, the wrong 1980 fire-damaged Cadillac. Upon...
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