Berne v. Aetna Ins. Co782 F.2d 1026 3rd Cir.1985Check Treatment782 F.2d 1026 Bernev.Aetna Ins. Co. 85-3187 United States Court of Appeals,Third Circuit. 12/20/85 D.V.I., O'Brien, J., 604 F.Supp. 958 AFFIRMED