COOPER, Judge.
Appellant is a policyholder and member of appellee, a "mutual" insurance company. Appellant brought a putative class action against appellee, alleging that appellee breached various duties it owed to its policyholders with respect to use of income in excess of the amount required for payment of claims, operating costs, and the maintenance of a reasonable reserve. She appeals from the trial court's denial of her motion for default judgment, the grant...
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