Per Curiam Opinion; Partial Concurrence and Partial Dissent by Judge NORRIS.
PER CURIAM:
Denise Bevard made a claim against her insurer, Farmers Insurance Exchange, but Farmers denied coverage. After Bevard filed suit in federal court, Farmers made an $8,001 offer of judgment pursuant to Fed. R.Civ.P. 68. The offer included "recoverable
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