MEMORANDUM
MUNLEY, District Judge.
Before the court for disposition are motions for summary judgment filed by the plaintiff, Selective Insurance Company of America ("Selective"), and the defendant, Gayle Jaskoloka, administratix of the estate of Linda Jaskoloka. The motions have been fully briefed and argued, and they are ripe for disposition. For the reasons that follow, plaintiff's motion will be denied and defendant's motion will be granted.
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