Rutberg, J.
Jeffrey Vanskyhawk, the appellee [hereinafter "Vanskyhawk"], was injured in a motor vehicle accident and he attempted to obtain Personal Injury Protection [hereinafter "PIP"] benefits due him from Arbella Mutual Insurance Company, the appellant [hereinafter "Arbella"]. Arbella paid Vanskyhawk $3,677.50 toward his claimed medical expenses but denied the balance of $37,453.47, as Arbella believed Vanskyhawk had to coordinate his benefits from other sources...
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