RUFFIN, Judge.
Jeffrey and Amy Cross sued furniture retailer Kelly and Cohen, Inc. ("K & C") for damages they allegedly sustained when a K & C employee misappropriated Amy Cross's credit information and used the information to establish a false identity, obtain a bank loan and purchase goods and services from other establishments. K & C filed a third party complaint for declaratory relief against its liability insurer, Utica Mutual Insurance Company (...
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