On April 26, 1982, plaintiffs' automobile was involved in an accident in New York State with a vehicle owned by Pyramid Roofing, Inc. (Pyramid) and operated by Richard Stearn. Pyramid is a New Jersey corporation and Stearn a resident of that State. Plaintiffs' automobile was insured by Hartford Insurance Company (Hartford), which paid plaintiffs' property damage claim of $495.33 less the $200 deductible...
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