SCHWARTZ, Chief Judge.
After authorizing the repair of Weiss's vehicle, his automobile carrier, the Insurance Company of the State of Pennsylvania (ICP), refused to pay for a large portion of the bill on the ground that it represented damages caused by "wear and tear" which was excluded from collision coverage. Weiss then sued ICP and its adjuster, American International Adjustment Company, to recover under the policy, for fraud and deceit, and for alleged violations...
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