OPINION
NOEL L. HILLMAN, District Judge.
This matter comes before the Court by way of cross motions [Doc. Nos. 14, 15] for summary judgment pursuant to Federal Rule of Civil Procedure 56 brought by Defendant Universal North America Insurance Company ("Universal" or "Defendant") and by Plaintiffs Robert and Anna Tripodi. The Court has considered the parties' submissions and decides this matter pursuant to Federal Rule of Civil Procedure 78.
For the...
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