Defendants' letter to plaintiff, in which they admit that plaintiff's underlying property damage action was not timely commenced and state that they will "willingly compensate [him] for all actual damages subject to proof and interest since the time of the loss," constitutes an admission of defendants' negligence and that it was the proximate cause of plaintiff's loss (see Marchi Jaffe Cohen Crystal Rosner & Katz v All-Star Video Corp.,
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