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George Souran, as Personal Representative of the Estate of Linda Rebstock Von Bergen, George Souran, Individually v. Travelers Insurance Company, George Souran, as Personal Representative of the Estate of Linda Rebstock Von Bergen, and George Souran, Individually, R. Ronald Fraley, Peter J. Kelly, Richard M. Zabak, Daniel P. Mitchell v. Travelers Insurance Company, 982 F.2d 1497