GREENE, Judge.
The defendants appeal the trial court's judgment filed 21 February 1990 granting the plaintiff's motion for summary judgment and denying the defendants' motion for summary judgment.
The dispositive facts of this case are as follows: In July 1983, the defendants issued a comprehensive all risk insurance policy to North Carolina Baptist Hospitals [NCBH]. The insurance policy does not list the plaintiff by name or otherwise as an insured or a beneficiary...
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