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Anyone who understands the realities of business and our legal system knows that insurance is an indispensable part of our economy. As a mirror image of risk, insurance pervades every facet of our professional and personal experience. No responsible medical practice or other business can operate without it. Indeed, even insurance companies need to insure (called reinsurance) the riskiest forms of coverage offered to insureds. In this environment, critical elements of every dispute — who was involved; what happened, where and when; and how much is available to settle claims and pay lawyers — implicate the existence and form of identifiable insurance.

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