MEMORANDUM OPINION
DOWD, District Judge.
This matter is before the Court on cross motions for summary judgment filed by Plaintiffs Margaret and Kenneth Martin (Doc. No. 59) and Defendant Midwestern Indemnity Company/Indiana Insurance Company ("Defendant" or "Midwestern," Doc. No. 62). Plaintiffs responded to Defendant's motion (Doc. No. 70), but no reply was filed. Despite the fact that no response was filed to Plaintiffs' motion, Plaintiffs filed...
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