SEYMOUR, Circuit Judge.
Cezer Morris ("Mr. Morris") filed this action against Travelers Indemnity Company of America ("Travelers") for failure to pay insurance benefits he claims Travelers owed him for injuries arising out of an accident involving a car insured by Travelers. The district court granted summary judgment in favor of Travelers. Mr. Morris appeals, and we reverse.
I
On January 23, 2002, Mr. Morris was involved in an automobile accident...
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