MEMORANDUM OF DECISION AND ORDER ON PLAINTIFF'S MOTION FOR SUMMARY JUDGMENT
DEIN, United States Magistrate Judge.
I. INTRODUCTION
The plaintiff, Markel American Insurance Company ("Markel"), provided an "all risk" marine insurance policy to the defendant, Pajam Fishing Corporation ("Pajam"), which insured the fishing vessel "MISS SONYA" for "accidental, direct, physical loss or damages ... from an external cause or from...
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