MEMORANDUM OPINION AND ORDER
BUCKLO, District Judge.
This is a case about an entity with an identity problem. Gerald Garcia, a citizen of Illinois, applied for home fire insurance with Mid-Century Insurance Company on November 1996, and was subsequently issued a policy under the name of Farmers Insurance Exchange (the "Exchange"), a firm with a Los Angeles, California, address. (The Exchange owns 80% of Mid-Century Insurance Company.) Mr. Garcia's house...
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