OPINION
NAJAM, Judge.
STATEMENT OF THE CASE
In 1992, Gregg and Susan Fischer sued Tipmont Rural Electric Membership Corporation ("REMC") alleging damages caused by stray voltage on their dairy farm. During the eleven-year period that damages occurred, REMC was insured first by National Farmers Union Property and Casualty Company ("NFU"), and thereafter by Federated Rural Electric Insurance Exchange ("Federated"). Federated and NFU's policies shared...
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