MEMORANDUM OF DECISION
WILLIAM G. YOUNG, District Judge.
I. INTRODUCTION
The current dispute arises out of an accident on March 25, 2005, in Collierville, Tennessee, where the driver of a 1990 Mack MR6 truck with an attached tree spade allegedly disregarded a red light and struck the driver's side of DeShon Ewan's car, causing her severe injuries. Hartford Casualty Insurance Company ("Hartford Casualty") and Hartford Underwriters Insurance Company...
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