DIANE P. WOOD, Circuit Judge.
After ten years of working as an Allstate Insurance agent, Gary Hudson took a wrong turn. When his office was burgled on Christmas Day, 1991, he submitted claims for recovery both to Allstate, which had issued his homeowner's policy, and to State Farm Insurance, which had issued the policy protecting his business premises. Although Hudson initially informed each company that he had submitted the other claim, he collected for the same...
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