SWEENEY, A.C.J.
In this personal injury protection (PIP) claim, Safeco Insurance Company of Illinois, Karen Solnicka's PIP insurer, paid a portion of her medical bills but refused to pay the balance of those bills because it concluded the treatment was for injuries not caused by the accident. The question here is whether Safeco's refusal to pay the balance of Ms. Solnicka's medical expenses amounted to a "denial of coverage" thereby invoking the Olympic S.S.
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