BEATTY, Justice.
The questions in these lawsuits are whether World Insurance Company ("World") improperly refused to pay claims submitted by the plaintiff, Dianne Burkett, for the cost of medical treatment for her daughter, Kathryn Burkett, and whether Willis Burkett, the agent who sold the plaintiff the policy, fraudulently misrepresented to her that she and Kathryn were fully insured, when Kathryn's coverage was subject to an exclusion for gastroenteritis.
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