ADJUDICATION
VAN ANTWERPEN, District Judge.
In the instant matter, plaintiff seeks to recover from an insurance carrier who denied payment on a claim. At the non-jury trial on January 25, 1989, the parties stipulated to the following undisputed facts:
1. Plaintiff Drexelbrook Engineering Company ("Drexelbrook") is the assignee of the claims of one Robert E. Hay against defendants with respect to medical expenses incurred by Mr. Hay from January 31...
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