TORRUELLA, Chief Judge.
In a personal injury suit stemming from a tragic accident involving Joseph Fratus, a jury previously awarded him, his wife, Stephanie Fratus, and his daughter, Carissa Fratus (collectively, "Fratus family" or "plaintiffs") over three million dollars. Republic Western Insurance Company ("Republic") — defendant in the current action — defended that suit and was liable for at least $25,000 of that judgment under a policy which indisputably...
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