Gordon & Rees, Dave C. Capell and Dawn N. Valentine for Complex Insurance Claims Litigation Association and America Insurance Association as Amici Curiae on behalf of Real Party in Interest.
OPINION
CANTIL-SAKAUYE, C. J. —
We granted review to consider whether Insurance Code section 520—a statute tracing back to 1872, which was not cited to or considered by this court when we decided Henkel Corp. v. Hartford Accident & Indemnity Co. (2003) 29 Cal.4th 934 [
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