OPINION OF THE COURT
GREENBERG, Circuit Judge.
I. FACTS AND PROCEEDINGS
A. The Accident
This matter comes before this court on appeal from an order entered September 18, 1998, in this insurance coverage declaratory judgment action. The case arises from a motor vehicle accident in Warren County, Pennsylvania, on July 9, 1992, in which Iva L. Clover was seriously and permanently injured. As a result of the accident, Clover is now...
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