SPICER, P.J., October 25, 1988 —
FINDINGS OF FACT
For purposes of simplicity, we will refer to individuals by full names the first time. Thereafter, for individuals sharing the same last name, identification will be by first name. Otherwise, it will be by last name.
The two insurance carriers will be referred to as "Allstate" and "National Grange" respectively.
The automobile...
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