TUTTLE, Senior Circuit Judge:
In this appeal we are asked to construe an insurance policy issued by defendant-appellee Bellefonte Insurance Co. ("Bellefonte") to plaintiffs-appellants Colbert County Hospital Board ("Board"), doing business as Helen Keller Memorial Hospital ("Hospital"). The sole issue presented is whether a lawsuit filed against the Board by a former patient at the Hospital presented only one "claim" under the terms of the insurance policy, or three...
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