In this declaratory judgment action, plaintiffs sought to test the validity of Royal Indemnity's disclaimer of coverage based on late notice of claim. The alleged "occurrence" took place in 2003 when a trainee of plaintiff Doe Fund, operating an electric power utility vehicle, struck defendant Greenberg, the plaintiff in the underlying personal injury action. Greenberg was taken to a hospital by ambulance. Even though Doe Fund's chief financial officer was aware of these...
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