The following excerpt is from Ciberay v. L-3 Commc'n Corp. Master Life, Case No. 3:12-cv-1218-GPC-MDD (S.D. Cal. 2013):
In Kellogg v. Metropolitan Life Insurance Company, the insured crashed into a tree and later died at the hospital. 549 F.3d 818 (10th Cir. 2008). A witness who
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