MARVIN, Chief Judge.
The daughter of decedent, as administrator of his succession, and decedent's employer's worker's compensation insurer who paid benefits including medical expenses, appeal a judgment rejecting their respective demands for benefits provided in the defendant's major medical policy that became effective at 12:01 a.m. July 26, 1986.
The issues are primarily factual: Did the decedent's injury that resulted in his death about ten months later...
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