MEMORANDUM OPINION
CHARLES R. SIMPSON III, District Judge.
This matter is before the court on cross motions for summary judgment between the plaintiff, Philadelphia Indemnity Insurance Company ("Philadelphia Indemnity") and defendant Youth Alive, Inc. ("Youth Alive"), (DNs 60, 62).
The facts in this case are undisputed. This action arose out of a car crash which killed four children who participated in a youth...
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