OPINION
HELEN G. BERRIGAN, District Judge.
This trial before the Court without a jury was submitted on the briefs and evidence on May 24, 2010. Having considered the record, the evidence and the memoranda of counsel, the Court finds in favor of the plaintiff, Merlin S. Campo ("Campo") and against Allstate Insurance Company ("Allstate") for the following reasons.
I. BACKGROUND
The plaintiff is suing Allstate as a Write-Your-Own carrier...
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