MEMORANDUM OPINION AND ORDER
JOSEPH M. HOOD, Senior District Judge.
Defendant Allstate Insurance Company has filed a Motion for Summary Judgment [Record No. 40]. Plaintiffs have filed a Response [Record No. 43]. This Court being sufficiently advised, Defendant's motion is now ripe for decision.
I. PROCEDURAL AND FACTUAL HISTORY
On December 20, 2008, Michelle Moses was a twenty-one-year-old college student at the University of Florida on...
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