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Calling someone a “douche” may be bad manners but it does not give an insurance company grounds to disavow a policy protecting against defamation claims, a state judge has ruled. Manhattan Supreme Court Justice Judith J. Gische ruled that because calling someone a “douche” or “douche bag” is an opinion, not a statement of provable fact, the Graphic Arts Mutual Insurance Co. must pay the legal costs of public relations firm owner Drew Kerr, who was sued by a rival.

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