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It may seem like putting the cart before the horse to discuss appellate court systems before exploring litigation mechanics, but if the cart is appellate decisions that become law, then the horse has to observe the cart if it is to make correct decisions. When rulings regarding insurance claims are reviewed, most do not involve issues of negligence, agency, statutes or contractual matters. Rather, they involve insurance coverage issues. What did the policy say and what did those words mean?

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