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Home My WebLink About95-02730 i ~ ..J " , J ~ ~ J -~ (2) The partnership and individual defendants conduct no business In Cumberland County; (3) The agreement In question was made in Luzerne County, Wayne County, and Wyoming County; (4) The described activity of plaintiffs' agent is Insufficient to place venue in Cumberland County; (5) It is apparent from the nature of the claim that whatever services were performed by the defendants, namely, the defense of the action in the worker's compensation proceeding, were performed In Lackawanna and Wayne counties; (6) No proceedings related to the claim took place In Cumberland County, For the aforementioned reasons, we conclude that venue Is not properly laid In Cumberland County and hereby order the case transferred to Northampton County, where the defendants regularly conduct business, By the Court, Michael I. Levin, Esquire Willow Grove Plaza ',' , , , I I Suite 2000 102 York Road Willow Grove, PA 19090 For the Plaintiffs J. Joseph J, Heston, Esquire Dougherty, Leventhal, Price & Saba 459 Wyoming Avenue Kingston, PA 18704 For the Defendants , . ~ tl' 7 ' J f' , \ I . I N:E....Ul:E:.!: I a~ UlO I I ....8O~t-'t-' [~ I lJ1 I\.J ,t-'~ I ~~o<r;~11> n eS r t-" ....~ -.J ~N .... .-. en l ,~;o;Dp' .... !~ N ... 09.... I- I -J U' K ' If\" ' . N . Q) f1l III r I,.., ~f . 'tl ~ 18 - H ~ ~!' ....ijl I .... OJ I~ [[ ijl ~ .., E Ii' ~ ~ 0 .., . 0 , Ea U r . ~. Q . a ~ SHERIFF'S DEPARTMENT WAYNE COUNTY, PENNSYLVANIA 318 TENTH STREET, HONESDALE, PA 18431 SHERIFF'S RETURN OF SERVICE I'la..e 01 Origin. ('lII.l",r!.II"I""lIII1Y, I'A ('our I Numhl'f1 2/ 30-1: I viI-I 'Ilj) Typl' 01 Wrll ur ('omplallll' SlImmOIlS 1'1 alII II II I s I. Defendanl fsf, Old Ilfopuhl\< IllS. ('0. alltl S",oul Boaflls IllS, Co, LId, DOllghl'rlY, l.t'vl'lIlhal ,",,1 Prill' Cal A. LI''''lIlhal, !'sq. Mlchal'l I. I ('ViII, Esq. 1'1.11111111 Ally, Name or Enl I II' lu Serve. Place 01 Service. Dale and lime ur Service. 1~)lIgllf'r II', I t'vI'lIlhal alld Price HIll, 11m 2061 , Itonesdale, PA 18431 May 24, 1995 3.211 I'M I hereby CERTIFY and IlEnmN Ihal I have servl'd person In charge, Cal A, Levenlhal, Esq.. Partner, the "rll or complaint described UpOIl the above named Individual, company, corporation, t~IC" al the place ul service shown above, (krr I' Vander".,) I, Jr., I~,plll Pennsylvania Ihls 7th day 01 June, Witness my hand and seal 01 offill' .11 I"~r M'W," ""17"' "'''''. , ,/~t1.kJLid~tL. (()J '/P~:T11c:nf :_";J~~"'L"p WIII!.,m M. Illllff TJ7 SIII'I II f 01 WaYIII' COlin I I' Sworn to and SlIh'lf I hed "dOT<' m,' Ihls llay 01 I'J'n Nolary I., Tne Court CT C.::mmC~i ." t rl=::S :;r C:J:.......;:tti:::nd c..:.:w:.;a:;/ ?E:1r:~y ('/:::-: i:: Old Hvpulllll' Jllullrdllt". ('0. 1.. ~;I':ll)IJl Illldldli I'HHI! IIIH'(' Ct)l11pdny, 1.'1'1) VS. Douqlu'lt\', I.I'Vt'1l1 hcl I dlld PIII'(' ~lc. . IJ ,) - ,,'" to c' i v I 1'11'1~ 1111 ...---.'-.--..---...., .... ,..-.-. ,. 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It'. ,l-/ if I (' I v I I ...-.----...-.---.-..-..-...., :If.~~~_. ,. w Md\' If' .;u , . _ _ :9~ !t s:~.:::?..:::: 0: C::~,13Z7.!..A;1:) cc~~r~~t ?A~ ::0 ~=:)"( C::;:UC tb !h:::"5 0/ Wd\'III' _ C"u::r, ::J :.."::-:'..n: :::i1 'IV:-::" ~ ~u=::.cn ;t.i...'li -...:1,.,: u ';..~ ~u=:1t :..::.u ~ .Jt :...-:e ?!:e.::.-t. ,'#', , f'~ '';:'" '" Sht..~ :ot '=-==erw:d '=~u::tJ. ?:1. Aiiidavit or Sem~ ~OWI 'll .. ...---.,. .... o'.:!cciL ',[,l::-.-d ~! W1 t1:1n '.IF'''Q 11 ':y :.u:ci.bc 10 1 c:pr ci :;:, or:r'.:uJ .' 1.lld ~ Cawtl :0 :.!a .:=::n~:::s ~~:::-:t. So J..r.swen. llu:r4 0/ CO....!T. r.. 3wom 1.lld l~tSC";be:i WCrt CCST3 SE..'1VlCZ __..__._.__ J ~m.L\GE "___'__'_'_ =e ~ _. ri1v J{ _..______._______ 19___ .\:"'fIDA vr7 .. .._---_._---~-_._._---~_._------~-_..---- _~_~.._~....~_u._.....u..... s ,..- '~I I , ~ , I , N:(~Ul:(~ III Ii' UlO , ......~. 0 C..... . In n f- , a.r- , UI~N ...... ~ 8~ , I rt .... n'f.l. , "'~O<l1>~ , '" 0 l1> :.... III l1> "'11> , ...J t1 N ........ ,< ..." 'E , r I 1(1);"a~ I~ " ~~ , ... a H " ,< , Ul ~ :;:0 . 'i'; , . >' ~~~ ~~ JI I" fufu - 18 < < H ." t,7!1 11> l1> ~ffi " " " N 0 Ii ,-1" r""t ~ ~ I ,- III gg , S' 1 '"' ~' 1 III a ...... III " I oD .0 . " n I a , !;,1B. n 11> l1> I .0 If r , ." I " ..' n l1> os. ~ '. , ~~ II!' no r; Z? au .:1.1 " 'h. I,} , , , , ';j,1O COMMONWEALTH OF l'ENNSYINANIA COUNTY OF CUMBllRl.AND OLD REPUBLIC INSURANCE COMPANY and SCHOOL BOARDS INSURANCB COMPANY. I.1'D., Plaintiffs, CI VII. ACTION ' I.T\W Jl!RY_~illill -v- DOUGIIERTY. LEVBNTHAI, AND PRICE R.R. 2, BOX 2061 HONES DALE , PA 18341 CAL A. LEVENTHAL, ESQUIRE DOUGHERTY, LEVENTHAL & PRICE R.R. 2, BOX 2061 HONESDALE, PA 18431, Defendants. NO, 95-2730-CIVIL TERM . ;E TO TIlE PROl1IONOTARY: Dear Sir/Madam: Please enter the appearance of the undersigned on behalf of the Defendants, DOUGHERTY, I_EVENTUAL & PRICI~ Ilnd CAI_ A, . LEVEN'fHAl" ESQUIRE, relative to the above-captloned matter. OOUGIIFJtTY ,1.EVEN11IA1_, PRICE" SABA B~"1t~;KiiQ\lIRR Attorney I,n. 115I11 459 Wyoming Avenue Klnptoo, ItA 18704 (717) 288-1417 AttorneYII for nefcndantll COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERI,f\ND OLD RRPIJIll,I C 1 NSIJRANCE COMPANY and SCIlOOl, 1l0ARI>:J INSURANCE COMPANY, 1,111., Plaint i Us, CI VII. ACTION - LAW JURY TRIAL DEMANDED ,v- DOIJGIlERTY, I,EVENTHAI, AND PRICE R.R. 7., BOX 2061 HONESDAI,Il, I'A 16341 CAL A. LEVENTHAL, ESQUIRE DOUGIlERTY, LEVENTHAL (. PRICE R.R. 2, BOX 2061 HONllSDALE, PA 16431, DefendalltB, I NO, 95-2730-CIVIL TERM TO Tim PROTIIONOTARY: near Sir: I"ease Issue a Rule upon PlalntilT to me a Complaint wit bin twenty (20) days or suITer judgment of non Ilros, OOUGI1EK1Y, LEVEN11IA1., PRICE. SABA "-~~\& '2~- ~ PATRlC .I)OU It, ~ Attorney for llefi Bl1LE 1'0 11tE 1'I.AlNTJII1lN: ANI) NOW, this 1J.L day of tu ( IU~( , 1995, you are hereby ordered to me a Complaint In the above 'tlon wllhln twenty (20) days hen'of or HulTer judgment of nOIl Ilroli. BY i'l1tE PIl011t~OTAKY: ~Bt' J\~/~~j:lL~_ -. ),. '_,~ I . , COMMONWEAlml OF PENNSYINlINIA COUNTY OF CUMBERLAND OLD REPUBLIC INSURANCE COMPANY and SCHOOL BOARDS INSURANCE COMPANY, LTD.. PlaintiffS, CIVIl, ACTION - LAW JURY TRIAL DEMANDED -v- DOUGHERTY, LEVENTHAL AND PRICE R.R. 2, BOX 2061 HONESDALE, PA 18341 CAL A. LEVENTHAL, ESQUIRE DOUGHERTY, LEVENTHAL & PRICE R.R. 2, BOX 2061 HONESDALE, PA 18431, Defendants. CERTIFICATE OF SERVIC~ NO, 95-2730-CIVIL TERM I, PATRICK E, DOUGHERTY, ESQUIRE, certify that I have served true and correct copy of the following a documentation I a.) praecipe for Entry of Appearance, and b,) praceipe and Rule to File a Complaint directed to the plaintiff. upon counsel for the plaintiff, Michael I. Levin, Esquire, willow Grove Plaza, suite 200, 102 York Road, Willow Grove, PA 19090, by placing the same in the United States Mail, RW n-~st . Class, ~, 1995, postage pre-paid, this day of DOUGIIERTY, I.EVENTIIAL, PRICE' SABA C~ BYI PAT lCK E. DOUGlIERTY, ESQ 1.0. 115812 -- ATTORNEY FOR DEFENDANTS E COURT OF COMMON PI.EAS OF CUMIlEIIlJ\NIJ cOUN'rY CIVIL ACTION - LAW OLD REPUIlLIC INSURANCE COMPANY and SCHOOL BOARDS INSURANCE COMPANY, !}I'D" Plaintiffs NO, 95-2730 CIVIL 'I'ERH ,JURY TRIAL DEMANDED V. DOUGHERTY, MUNDY, LEVENTHAL and PRICE, DOUGHERTY, LEVENTHAL and PRICE, DOUGHERTY, LEVENTHAL, PRICE and SABA and CAL A. LEVENTHAL, ESQUIRE, Defendants HOTICI You have been sued in court. If you wish to defend aqainat the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering written appearance personally or by attorney and filinq in writing with the court your defenses or objections to the claims set forth against you, You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested !by the plaintiff, You may lose money or property rights important to you, YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE, H' YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO '1'0 OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAl, Iml.p, court Administrator Fourth Floor cumberland county courthouse Carlisle, pennsylvania (717) 240-6200 MICHAEL I, LEVIN and ASSOCIATES Michael I, Levin, Esquire Attorney I, D. No. 21232 Willow Grove Plaza, suite 2000 102 York Road Willow Grove, PA 19090 (215) 657-4528 COURT OF COMMON PLEAS OF CUMBERLAND COUNTY CIVIL ACTION - LAW OLD REPUBLIC INSURANCE COMPANY and SCHOOL BOARDS INSURANCE COMPANY, LTD" plaintiffs NO. 95-2730 CIVIL TERM JURY TRIAL DEMANDED V. DOUGHERTY, MUNDY, LEVENTHAL and PRICE, DOUGHERTY, LEVENTHAL and PRICE, DOUGHERTY, LEVENTHAL, PRICE and SABA and CAL A. LEVENTHAL, ESQUIRE, llefendants COIIPLAtllT AND NOW, come the Plaintiffs, Old Republic Insurance Company and School Boards Insurance Company, Ltd" by and through their attorneys, Michael I, Levin and Associates, who file this Complaint and who, in support thereof, alloge the following: 1, The Plaintiff, Old Republic Insurance company (hereinafter referred to as "Old Republic") is an insurance company licensed to writs workers' compensation insurance in the commonwealth of Pennsylvania. old Republic has offices located at 445 S. Moorland Road, Brookfield, Wisconsin, 53005. 2, The Plaintiff, school Boards Insurance company, Ltd" (hereinafter referred to as "SBIC") is an insurance company domiciled in Bermuda with offices located at 41 Cedar Avenue, Hamilton HM 12, Bermuda. 3. The Defendant Cal Leventhal, (hereinafter referred to individually as "Leventhal") is an adult individual and an attorney licensed to practice law in the commonwealth of Pennsylvania. His offices are located at R,D, 2, Box 2061, Honesdale, Pennsylvania, 18431, It is belisved and therefore averred that Leventhal is a partner in Dougherty, Leventhal and Price and Saba, 4, The Defendant, Dougherty, Lsventhal and Price, upon bslief, is or was a partnership, practicing law in the commonwealth of Pennsylvania with offices located at R,D, 2, Box 2061, Honesdale, Pennsylvania, I 5. The Defendant Dougherty, Leventhal, Price and Saba, upon belief, is a partnership and successor to the firm of Uougherty, Leventhal and Price, practicing law in the commonwealth of Pennsylvana with offices located at R.D, 2, Box 2062, Honesdale, Pennsylvania. 6, The Defendant, Dougherty, Mundy, Leventhal and price, upon belief, was a partnership and a predecessor to Dougherty, 2 Leventhal, Price and Saba, practicing law In the Commonwealth of Pennsylvania with offices located at R,D. 2, Box 2061, lIonesdale, Pennsylvania, 7, old Republic has been a client of the Defendants and the Defendants have represented Old Republic In various miltters through and until at least in or about August, 1994, and Defendants continue to represent Old Republic with respect to at least one matter, B. SOIC provides reinsurance to Old Republic with respect to certain insurance policies issued by Old Republic, including the policy relevant to this matter. A copy of the relevant. portions of the Reinsurance Agreement is attached hereto as Exhibit "A" and incorporated herein by reference as if fully set forth herein, 9. Claims Management Servicss, Inc" (hereinafter referred to as "CHS") is a third party administrator and agent of old Republic who procssses and administers certain workers' compsnsation claims for and on behalf of Old Republic, Including the worker's compensation claim relevant to this aotion, At all times relevant hereto, CMB has had offices located in cumberlan1 County, Pennsylvania, at 26 South ~'ront street, Wormlesburg, Pennsylvania, 17043, 10, All, or virtually all, communications between CMS, as agent for old RepUblic, and the Defendants were either to or from CMS's office In Cumberland County, CMS, as agent for Old Ilepublic, retained the sel"vlces of the Defendants out of its offices in Cumberland County, Ileports were made to CMS, as agent tor old 3 I Republic, by the Defendants to CMS's offices in Cumberland County, COUNT I - TRBBPABB 11. Paragraphs 1 through 10 hereof are incorporated herein by reference as if fully set forth herein, 12, Old Republic, through its agent, CMS, assigned to the Defendants the defense of a petition for worker's compensation benefits filed by or on behalf of Martha Fisk (hereinafter referred to as "Fisk"). By letter dated May 9, 1990, a copy of which is attached hereto as Exhibit "B" and incorporated herein by reference as if fully set forth herein, the Defendants were asked to "protect the interests of our client," The Defendants, by and through their actions agreed to provide legal representation to Old Republic and its insured, Tunkhannock Area School District, (hereinafter referred to as the "School District"), as exemplified by the following I a, The Defendants filed an Answer on behalf of Old Republic and the School District; b, The Defendants acknowledged receipt of the file and acceptance of the case by letter dated May 9, 1990, a copy of which is attached hereto as Exhibit "C" and incorporated herein by reference as if fully set forth herein; c. The Defendants undertook the Bole and complete legal representation and defense of Old Republic's interest with respect to the petition filed by Fisk; and d, The Defendants billed for and accepted payment for legal 4 services they provided and performed with respect to the Fisk matter. 13. As a result of eMS's assignment of the defense of the Fisk matter to the Defendants and the Defendants' acceptance of that assignment, an attorney-client relationship existed between Old Republic and the Defendants, 14, As a result of the attorney-client relationship between Old Republic and the Defendants, Defendants had a duty to represent Old Republic with the reasonable care, skill and diligence possessed and exercised by the ordinary attorney in similar circumstances. 15. The Defendants breached their duty to exercise reasonable care, skill and diligence on behalf of Old Republic in the following waysl a, Failing to obtain all relevant medical records in a timely fashion, b, Failing to request that Dr, Byron express opinions on all relevant issues; I c, Failing to obtain clarification from Dr, Byron in d, response to Dr, Byron's report; Failing to call or present any witnesses, inclUding the failure to call and present Dr, Byron as a witness, in defense of the claim; Failing to obtain all of the medical bills incurred by e. Fisk and advising the Plaintiffs of same; f. Failing to cross-examine Fisk's medical experts with 5 respect to the medical bills Incurred by Fisk; g, Failing to take tho action necessary to ensure that the judqe would havo reqult'od t"isk to meot the burden of proof as to the reasonableness, necessity and relatedness of her medical bills to her injury of November 6, 1989; and h. Failing to preserve on appeal issues pertaining to the reasonableness, necessity and relatedness of new medical bills incurred by Fisk to treat her reflex sympathetic dystrophy condition, 16. 1 t is believed and therefore averred that had the Defendants not breached their duty to the Plaintiffs, as alleged in paragraph 15, the school district and Old Republic would have prevailed in the litigation with rellpeot to the medical bills inourred by Fisk to treat her reflex sympathetIo dystrophy. 17. Bolely as a result of the neqligence of Defendants, the Plaintiffs were required to pay for medioal bills incurred by Fisk that were caused by and related to Fisk's reflex sympathetio ,dystrophy in an amount in excess of Twenty Fivs Thousand Dollars ($25,000) that the Plaintiffs would not have had to pay and which would have remained the respondbil i ty of another insurance carrier, Amsrican t"ire and casualty company, had the Defendants properly repressnted the Plaintiffs' interesta, WIIEREFORE, it is respectful 1 y requested that judgment be entered in favor of the Plaintiffs and againat the Defendants in an amount in eKcess of Twenty Five 1~ou8and Dollars ($25,000), plus Ii interest and costs of suit, COUNT II - ASSUMPSIT 10, Paragraphs 1 through 17 hereof are incorporated herein by reference as if fully set forth herein, 19, By letter dated May 23, 1990, a copy of which is attached heretn as Exhibit "D" and incorporated herein by reference, the Defendants promieed to schedule an independent medical examination after they had gathered all of the medical records, 20. By letter dated June 26, 1990, a copy of which is attached hereto ae Exhibit "E" and incorporated herein by reference, the Defendants represented that they were collecting the medical records pertaining to Fisk, 21. By letter dated November 15, 1990, a copy of which is attached hereto as Exhibit "1'" and incorporated herein by reference, the Defendants represented that Fisk's doctors had not responded to the Defendants' subpoenas, 22. It is believed and therefore averred that in breach of their promises and representations, that the Defendants took little i or no action to obtain Fisk's medical records until on or after November 15, 1995, 23, By letter dated November 28, 1990, a copy of which is attached hereto as Exhibit "G" and incorporated herein by reference, the Defendants (a) represented to CMS, as Old RepUblic'S agent, who understood the Defendants to mean, that they may be able to successfully defend against at leaet some of the medical bills that were being incurred by Fisk; and (b) represented that the 7 Defendants would try to have Dr, Ilyron focus in on an attempt to relate Fisk's problems to her 1985 work-related injury, 24. Ily letter dated May 24, 1991, a copy of which is attached hereto as Exhibit "II" and incorporated herein by reference, the Defendants represented that they were" in a much better posture" to have the School District's prior insurance carrier maintain responsibility for certain medical bills incurred by Fisk. 25. As a result of the promises and representations made by the Defendants as alleged in paragraphs 19 through 24 hereof, the Plaintiffs reasonably relied on the Defendants to exercise reasonable care, skill and diligence to defsnd Fisk's claims and to protect the Plaintiffs from having to pay certain medical bills, 26, It is believed and therefore averred that a contractual relationship existed between Old Republic and ths Defendants, 27, In breach of its contractual commitments, promises, representations and duties, it is believed and thsrefore averred that the Defendants failed to take the actions necessary to protect the plaintiffs from having to pay certain medical expenses incurred , by Fisk, inoludingl a. Failing to obtain all relevant medical records in a timely fashion; b. Failing to request that Dr. nyron express opinions on all relevant issues; c, Failing to obtain clarification from Dr, Ilyron in response to Dr, Ilyron's report; d, Failing to call or present any witnesses, including the 8 failure to call anrt present Dr, Byron as a witness in defense of the claim, e, Failing to obtain all of the medical bills incurred by Fisk and advising the Plaintiffs of same; f. Failing to cross-examine Fisk's medical experts with respect to the medical bills, g, Failing to take the action necessary to ensure that the judge would have required Fisk to meet the burden of proof as to the reasonableness, necessity and relatedness of her medical bills to her injury of November 6, 1989, and h. Failing to preserve on appeal issues pertaining to the reasonableness, necessity and relatedness of new medical bills incurred by Fisk to treat her reflex sympathetic dystrophy condition. 28, As a direct result of Defendants' breach of their contract, promises, representations and duties to the Plaintiffs, the Defendants were required to pay medical bills that were caused , by and related to Fisk's reflex sympathetic dystrophy in an amount in excess of Twenty Five Thousand Dollars ($25,000) that they would not have had to pay and which would have remained the responsibility of American Fire and casualty Company had the Defendants not breached their contract, representations and duties to the Plaintiffs. 29. The Defendants charged and accepted payment for their services in the amount of Three Thousand, Two Hundred, Sixty Three 9 Dollars and 1'welve Cents ($J,211J,ln, It iIll.Jollovod 611d thur%l'o avsrred that the Defendante WOrD nul entitled to said reeD duo to breaches of their profoesionld l"oeponsil.Jil1tlee to the I'laintlffe, WIlEllEFORE, it le l'espocttu II y roquusted thal judgment be entered in favor or the PIaintifre and against tho Defendants In an amount in oxcess of 'fwenty rive Thnuaand lloIlIIro ($25,000), plus interest and costs of suit, COUNT III - TRESPASS 29, Paragraphs 1 through 27 hereof are incorporated herein by reference as if fully set forth herein, 30. The Defendants knew or should have known of SBIC's interest in Fisk's claims against Old llepublic, 31. SOIC would not have had to pay the medical expenses inourred with respect to .'1sk' s reflex sympathetio dystrophy had the Defendants not breached their contract, representations, promises and duties as alleged in this Complaint. WHEREFORE, it is respsotfully requested that judgment be entered in favor of the Plaintiffs and against the Defendants in an . amount in excess of Twenty Five Thousand Dollars ($25,000), plus interest and costs of suit, COUNT IV - ASSUMPsIT 32. Paragraphs 1 through 30 heroof are incorporated herein by referenoe liS if fully set forth heroin. 33, The Defendants knew or should have known of SBIC's interest in Fisk's olaims against Old Republi~, 34, SlUe would not have had to pay the med leal expenses 10 .,. 'UJ YllII'ICA'l'IOII I, 0." Dellor....U.' hIIve re.4 the fOI'.1", ea.plalnt ant! "i'llit' that the OOl'l,....u thereof are tru. an4 ClOU.at, I unQl'.tanll that anr fel.. .tate......t11 ""111 .... .... .@~eot to tIM peMltl.. of 1. ...C." '6104 re1.t.int to WUIVOl'Il fala1f1oatloae to authoI'Ltle.. ',1'."1' ;1,."..~ RUD-21-1995 15125 FROM f"".>M (".uranee lieru OC, TO atlllB1lJAII~ Acttl!KEM MIOf'n. E LEVltl P,B2 RECEIVED AUG t 2 _ ,I nTICLt rAGl coVPAllE 1 1 'lUll AXIl c;dC~nOIl 11 2 mOlTS AJlll I.!Ill'fU,JICn 111 3 LOSIlI!8 n 4 Il1llElt rmml v 4 CUIMB IOVICU VI 5 IJHAIIIIIl rUHtUK AllD OUTIlTAIlUIIIC LOll IESElVES . Vll 6 orr~ltt or ,AHO\lII'l'S nlll vIII 10 ACCUI ~ UCOIJlI II 10 1U0IIl AlID C1KlBIlO.I X 10 I.IOL.IIlCT n 10 wnlAnOIl nl 12 lunCl or I1llt nIl 13 1.011 "'dLE IDOUDtDIt Xl' 14 Exhibit "A" fU:HlI-I!J'J'S Ul'as rRlJ1 f'5lr\ In.u,."ce llorv OC. m MIOm. [ lLVlH 1',04 t\. ,.i...,., 'Jr... Ih.t It. r..p.CI1.I ,.rtieip.ti~o' uDd., tllit 'au...t .b.n b. .0~j.CI ia .11 reep.cU t~ tb. .- lDt.rpr.t.tl.... t...., ,.l.., cDD41ti~D' ,04 v.I..,., .P4 lo tbl ._ .UIllItloo.. .1L.lltloDe. .04 uoulletlo"., II tbe u'pICII.. pollel... bi04.r.. .,rtl,lc.t.. or otb.r ..id.ocI. of lo.ur.oc. ~f tb. C~.a,. tb. true iDl.ot of Lbl. "r..-eot b.lol lb.t tb. ,.Io..r.r .b.ll to ..." .... to vbleb tbl. ..r....t .ppli.. '0' iD tb. p.'c.ot.... .,.elfled be,eiD. follow lh. forlul.. of tb. C~plD'. loan C1.l 11 - nil! A1IlI CIoIICt1.U.T1Oll TIll. Alr''''lt .b.l1 t.k. .If.ct .. ~f 12\01...,. IL,0'.r4 Ji.. OD tb. polle, ioc.,tlol d.t. (.,p..riol ou Icbedul. A .tl.,bad), .t tb. pl'c, 0' illuaac. of tb. ,Olicle. .ad viii Dot b. t.rataltt4 .. lOll II tit. poUch. _tilled b ,thh ..,,_ot or naIVd' tb.uof r.-aiD la f.rel, ~...",. r..,.ct. cl.l... Ibl. Alr....ot .b.ll r...lI La fort' .otil .11 cl.t.a .rl.III u,'.r tb. t.lDlur.' tolicl.. .rt ,d' or _Ill undaeted '" ..ltu.l Iln_ol ".t.... tb. CIIIIpIID' ... tll. lIta1an'. n. adDl.,t, 'Irtll tllat Lb. CUlIpallJ .., 11 tll. ....t tll.t aa, II" of tI" t.Uowl.. '..cri"" c LI'CQltlDUI occur 'urloa tll. dM 01 tblt cODtract. ..... c"Loa .., furtbar bu.1D.I. ,".r till clltr'ct ... e.D..l Illll eODt,.ct '" ..rll, .iy1al 00,1.. to tll. a.ia...., of it. llt~tiol to '0 '0' 11 tll. ,.1..u,., (1) r,U. co Uubu.. h. oUi,.tha. ulUl.r tb. &Garnetl lb. C~"7 viii II.. tb. r'"l..,.rt . t.. (10) d., Dot1cI of it. lottllt to 1.11.1 .boul' t~. r.1D'u, , f.ll to lorr.at It. p.rloralDCe of eoot~.etuel obll,.tioa., (2) c..... '0 ..rry OD lb. ,.rti.ul., el... of buela... or ha. th. ,.rforal'" of it r.Dd.r.d ill.,.l by .D, .ub..qu.nt 1.. of rlavlathul . . . I"',hill-l9'35 161i5 FlU'I I".im In.uranc. l>eru OC, TO P,05 (S) I.c~. la.ol..ot, .u.p.... p.~at of d.bt., CODY'O" a ...ti.. of cre4itor., Of baa a rlc.l..r appolote4 pur.D.ot to a fetitioo pnnot" for ita co.puhorJ U'l"idaHoll, Dr a f'AIllutloD it p...e4for it. .DUDtar} liquid.tloo; (4) pa.ae. uod.r tbl cootfol of or 1. ...ll...tld with an, oth.r cODC'ro, otb.r thaa PIlla.,I.aaia 5cl~ol lo.rda ID.urauc. Trult Of ,0Da of lu aull.ldlnl.. or h ll.tlollaUnd Dr b'c~' coatrolled b, It. loverD..ot or c..... to b..a · a.parat. ..1Ir.oCI. At,ncu: III --- atPDlTI AJlIl IIIl1'J'UllCZB 10 coo.id.r.cioll of tbl' Alr....at' tb. C~aa, .hall p., to tb. ..lu.urer, ill a ~athly .ccouat; th. 'Iia.urlr'a' proportiOD of ib. Dlt wrin.. pr.lu.. reulY" by tba CllWIfaay. na Ca.pall, .bd1 rec.i.., .a co.p.oa.tioo for bu.iae.. c"ld to the I.iaaur.r b.reu".r, ~i..loa' at .arlou. r.t.. alld a. .peclfi.. iD ~. Icb"lIl1 " of t.bla .'.-1It, of tb. olt vdtUII pr.u.uu, nl un' "lilt ..lUd pr.l_" a. !l.ed b.rab .bell .IU lro.. ,r.lua. writt.., 1'" r.tarD pr.lu..'aa4 c.llcll1.tioo.. fro. tbe o,t pr..l.., 1,.. .o.e.tic r.to.ar.ac. pr..lu.a ao' aaJ otber it... ...-..,' ,.,. .. " '.c.nia" to be ..lid ta. 'eductioo., tbere .bal1 b. .educl" a 11 '''aral tiel.' ta., All pa,..at. b.rtua'lr .b.ll b. .... iD ~Dit", ... . ., ......... . . ,.. ...... ......... Itat.a carrdO,. Tb. compaay viII r..lt waDer' du. tbl a.iDaar.r I' ,," ......., ". .. . .... ......... .. ....... . .006 .. praetlcal but aot lat.r tbaD C'II (10) 'ay. aft.r rlc,ipt. .... ".' ....... . lb. co.paoy aar'" to ..~. eY'r} r.a'DOIbl1 ,ffort to coll.ct pr..lu" due 011 .ay policil' wbicb ar' .ubj.ct to tbi. .If....ot. lowIYet, ia tb. eylUt th.t aoy .ucb premiu.. .b.ll b. uDcollecc.bl. frClll\ our al.ot(a) or io.ar"(') Dr tl.1 Pellu.ylnnla Bchool lou'a A..oclati~o for uy r.aaoo, tbl r.io.urer blr.by 'Ire.. tbat auy .u~h uncoll.ctable -,- .j AUB-21-1995 15126 rRDN PSDA In.uronc~ Geru QC, 10 "10m.. E U:VIH P,lIG preaiv. will DOl ~. .~" 9ViDl. or p.y.~l' to aai. raiDaur.r ua'ar lbe terae of tbia '1Ie~l. aDd lbat DO cedi.. eo.aia.iOP ahall bl dUI. oviaa Dr p'J.ble 10 lbl eoapa.J DD aucb uDcollacled pr..iua, F.ilull of tb. toapeoJ to collecl aDY aueb premiu.. .h.ll Dot. uadar aDJ tireu..l.oe... r.li.YI tbe rllo.urar froa aDJ Dr all oflt. liabiliti.. ta tb. eoap.aJ ua'.r lb. t.~ of tbi. .Cr....at, AlTlCU IV ----- LOISES .1011 lOll lillI_au ..dabJ tbl CO"''''J, vbathtr ulld.r lb. .triet polieJ eOPditiDaa, Dr bJ v'J of e..,roaia., ab.ll b. bio'i.. opoa tb. l.ia.ur.r ia proportiDa to it. partieipatioo aD' tb. l.~.ur.r .h.l1 b.a.fit proportioD.t.IJ 10 .11 ..1....., ..rti.i,.tio. bJ tbe l.i..ur.r .h.ll ioelu" ,uJ puoitiv. Dr ....pl.ry ....... ........ ...iD.l tbl CoaplDJ, vitb tb. ..e.,tioo 0' tbD.. ........ oa accouot of .ir.ct .et. 0' ol.lil'u.' by tb. C....oJ. bJ , ju.....t or .ett1..-at lYaD tbou.h 10 1'.1" of thl pol ie, tiDlt. ..t fOltb iD 'c"'ul1 . .tt..bed. AlTlCU V X1lJUI'l I'VIIIlI , ! 'I'll. ada_n, upou r..u.n fl'D11 tbe C"""IDJ. vlll fWld .u ~re.t Ae.DUDl <lIcrow raDA) to be u." for tb. p.,.aut of 10.... , ' lIIld lOll ..,.D.... 1a tb. 1Y1D1 tb. ..i. ,aD4a .n .....' lalu'flciwat iD tb. .01. d.l.~I..tioo of tbl Coap.a" tb. CoaPI.' ,will withhold locb tuDd. .. .rl aee....ry. io It. 41..r.tioD, lO rl,lenl.b tbl lapr..t Accoaat to, 10 a,r." opoa l.v.l. . '- fUl'21-1~ ISIi/6 FIU1 PulP Inluranee 5o!rv DC. o lU MIOm. I! lEVlH P.O? Alncu; VI CUUII I0V1C~5 ID r..p.ct to .11 10...1 tbe aein.urer viII b. full, r..poo.ibl. co p., lh. Cu.p.o, or DO b.h.lf of tbe Coap.o, ill proportlonate .har. of .11 10.... .0' cl.i. '.P'O'" 10tlu'101, but ooL l111il.4 to, .11 1...1 I... locurred iD cl.i. .ettl...ol', 10 con.id.r.tioD of Lb. Coap.o, .t cb. ..io.urer'. r.qu,"t, 'OL'lina loco. cootr.ctu.l ..r....ot vitll Cl.~ Hao.....ut aerric.., 10c. of r.nn.,l..oi. or .D, .ub..q..ot cl.i.. contr.ctor lor cl,I.. .lreicI' .uch cODtrect, III.iD' b... pr...lolll, 'fI"lewed .11' .pprond b, t\1e aeio.uru, tbl .dluare&" h.r.vitb .,r"1 tb.t It viII hold h.rmle.. .ad 4er.04 th. C~.n, for '0' 0..11...e.. .rror. o.l..loD or dll., (whltb.r .ucb clll. b. l,uriouI 'or DOC) .rllio. out 01 cbl p.rfo~oc' of f.ilur. to ,.rlora Ill. cl.1II ..rYlee. b, Cb~ HaDI,_Ot h"leu, loc, of hDol,.l..lli. or .0' IUb",'lot cl.i.. cootr.cLor, It 11 hartll., v"ultolHl cb.1" Ihou 14 tbl COIIJIlIlr bee_ .ulljact to aD,. .ddltoo.l 10.. or cl.l. exPIOI.. 4u. to la.1I111c, or r.tu..l 01 tb. tl.t.. CODcr'CLor LO cootiou. to pro"id. cl.1.. "rYlc.. I' ouLllo.. io Lbl cl.~ cODtr.ct or lDcur Id.itlonal '."0" 'UI to teraioltloo ,royleloo. of tll. cl.~ cootr.ct tb.t tb. .,iDavrer .hal1 II. lUll, 1'1"00111111 co p., to the Coap.o" or os lI~hllr Dr tII. C....o,. lc. ,ropertl,Dlce .bar. of lucb .d.lcioD.l 10" IDd cl.i.. ....n.. '" .b.11 b. lo.urr.'. a.1D.ur.r .., ...... Ch.~~~~~f tbl 'IOO.,lVllll. Icbool 1011'" ~.ocl.tlOD 10Iur,Dc. Tf9lt to p.rlora '0' of tbl dutll' vhich tbl allo.or.r clllia.t.. ltllll '0 plrlora uDdlr thl. ..r....DL, hov...r .ucb loa""'Ot .blll iD DO v., ,II.ct tbe lie~ilit1 of tbe alinaurer to the Coap,oJ. 1Ul-21-1995 151:16 FlU1 f'S1ll Inluranc.. Geru OC, HIQR:l.. E LEVIN T1J AIlnCLE VIt UllUllII3l .UllIIJII AIIIl O\lTlITAIl1l11lG LOSS ltSERVts 1. EsclPt II otbervil" covered by depolit. ia a tr..t, tru.l or co.tod(ll .CCDUDt ..tlbli.h.d pur'u.Dt to tbe l.tolurloce Trelt, Tru.t Alr....ot batwe.o the parti.. hereto, the aeia.ur.r do.. herlby .Ir.. to lecur. 4e1igetJ to the CoapaoJ of . cl"aa ittnoc.bl. 1.tt.r(.) of ~edit 00 . Uoit.d Btate. Chart.r.d II ok Icc.ptlble to tb. Co.p,oJ, for 10 ..ouat aot,l... tblo l25~~~Jbe total of the r...tv'" 'for pralll.' uouro..~^ou::t:~~::'~;;' aod lOll ~d ult...t If~ upeo,,, ceded 'uodar tbb AlII..ot, The T.rIl~t.uodiol. o..~ 'f "-1. I" .ball ioclud. . prDVi.ioa for 10"'" iocurred but oot , . l.ported (tIWl). The provi.ioa for 11"1 10.. ..auat. .hal1 ,. d.teraiaed b, fa~lal ..tlbli.'ed bJ tha Coep,oJ, (a) l....i.t.l' UpOD .ff.otiol tbi. Alr....ot tbe Reia.ur.r beteb7 air..' to a,,17 for lad a.ollr. delivll1 to tb. coaplay of.a Letter of C'edit purau.ot to p.talra,b (b) hlrlof .odlor to depo.it ....t. in . trult 'CDoUDt ,"r'~lPt to p.r'lr.pb (c) hereof ia aD. . . ....r...t. ...vat .'0.1 to tb. ..iaaor.r'. proportioa of ..id r....rwe.. (h) .., Lltt.r of Credit deliver'd hereuoder .bail be a cl.... itt....oc.lIle Lltt" of Crill it h ,ueel ia fnor of tbe COIIp'o, b7 a ,. acceptable to tha eo."oJ vbich i. .utbori.ed to i..u. Lltt.r. of Credit .D4 which i, . ...b,r of the Uoit.d Btac.. 'ed.ral l...~a S,.t.., .aid Litter of credit .ball be re.criceed 0017 b7 lba follllWiol wordlJlcl (i) .. ha.. "l,bll.bed cbl. 1rrIV00,bl. Letter of Credit 10 10~ f..or for dr..lol' op to D,S. . eff.ctiv. t..Idiately .ad ..,ir101 It our (bank "dr..') wltb ollr clo.. of bu.iol" 00 . (iU v. beub, OOh-~~: p~~~:;~oocrr 701lr 'labc draftCa) drtnnl 00 U'. ~dal our Credit liD. , for all or an, part of cbi. Credit if pr~'eated a' (baek addre,.) on or b.for. tb~ ~~piry data or In, autoe.llcall1 .lltopd.d datt, ' , P,Oll . '-i" .", ~..' nu) fUl-21-19'J5 15'27 FRl't I'5M In,uranc. Goro OC. m NIDAl. I: lLVlH P,OO '. (b) CvO (.) Ia..,t .1 .t.t.o her.iD, lbil uDd.rta~iD' il Dot lub'.at to .0' aouhioD of qualUicltiOD, The obH.etioo 01 Ih. 'aD~ uDd.r lbil L.tl.r 0' Crodil Ihal1 b. tb, IDdlvldu.1 obl1..tioo of th. ..O~ 10 00 VI) CODIIOI'DI UpoD r.l~r'....t witb r,"p..t tb.r.to, It i. . coDditioD of tbi, ~.tt.r ., Credit tb.t il Iblll b. ....14 .ulo.&tl..l11 'It.oded vitbuut ...Dd..Dt for 00' ,.ar froa tb. ..,iry d.t. b.r.o', or .0' 'utur. .-plr.tloo '.t., UD1.11 30 d.,1 prior to .0' 'Iplt.tioo d.u '" Ib.ll DOtU, ,0" 1>7 lalhltred Hail th.t we .hct Dot to CODlld.r tbi. L.tl.r 0' Credit r...... 'or .0, lucb .'dltloo&l p.rlae, Th. L.tt.r 0' Credit ~.t It.t. vb.tb.r it II lubj..t to .Dd lovlroed b,. tb. Lav. 0' tb. II.t. of "ow lDr~ or tb. oDlfono C...t... &0' 'r.ctlcl for DOt....Dt.ry Credit. (1"3 IITI.loD1Df the IDt.roatlooll Ch..ber of C....r.. (Publi..tloD 4001. aDd all draft. 'r~ th,rouDd.r ~II be pr..eotablt .t . b.Dk officI 10 thl Onltad .tat.I, If th. Lett.r of Credit il ~de ,ubject to tbl U.lfDf8 .Cult... .Dd 'ra.tlc. for DDCU.eot.ry Cr.dlte (1"~ ...leloD) of tb. IDt.ro.tloo.l eh..l>.r of C~rc. ('ubllc.tloD 400), tb.o tbl Latt.r of Credit .ult Iptelfleell, "'r'll 10' ..bl prowl.loo for .0 .,t..lloo 0' tl.. to drev .,.Iolt tb. Lett.r of Credit 10 lb. ...ot tb.t 00. or .... of tho octur.DC'" ,plcl'l,d 10 Artlc}, I' of 'ubll..tloo 400 occur, 6.ld lAtt,r of Cr"lt Ih.l1 to~l,. vlth th. req..lt...otl of Clt.ular Latttr "0, 1', .epteab.r IS, 1"3, of the "IV Torb lO.ut.DCt IlepnUltot. ec) AD aD 11t.ro.tl.. to .11 or p.tt of euch L.tt.ra of Credit. the l'Io.ur.r ..,. oot.r.Ioto . truat .,f....ot vlth th. c~.o, ... I baok 1..epUbh co tbe C~ao, which 11 . _lIfr of tilt Uolud t.d.r.l ....rr. "It.. for tb. purpo.. of .It.bllblul . tru.1 .c....t for the ..cluel.. b,D.flt 'Dd ua. uf tb. Cu.pao,. lueb .tcOUDt .b.l1 cOD.l.t .01.1, of ca.b (UDit.. 'tat.1 lea.1 t.od.r). c.rtificat.1 of '.po.lt (l..u.' b, a Ulfted 't.t.1 baRk .nd p.,.bl. 10 Unit" ac.t'l It,al ttG'.r). &Di 10~"~Dt. of th. tlP" 'p.clfl.d la 'Ubl'CtioDl (1), (1), (,) ODd (11) of l,ctlOD 1'04 of tb. M.. TOI~ 10Iur.oc. L.., prOYi..d cblt .nlh lttvl.t.-otl ar. p.~lttt4 uft"r tb. i.lur.Dc. l..a of tb. C....nw..ltb of '''ol,I~.oil 'Dd Ir. i.lu.' b, ID iD.titutioD tbat II ,. i ~lA f1LA,I-c,l lJ^, ,la-c.( H.u1 .A.,)1J1 tnlUr6l1CC ~ru L.A._ IU I'll UH:!.. I:. L.l:.V Hi t-'.lU oot tbe parIDt, lub.ldiar" or Iffilllte of lith.r tbl aliolurer or tht C~aD', The fru.t a,rl-.cDt .ball c~l, yitb thl r.quir...at. of titlt 11, rart 126, of tbt 'IY York Code of avl.. lad a'lUlativu. (lDlvrapee alrulatioD 10. 114), 'rior to dlpo.itin& a...t. yith tbt Tru.tta, tht alioeartr .ball ealeutl a..ian-wot., ~dor'e.eDt. io blaok, or trao.flr l.&al titlt to tbe Tru.tl. of all .barl., oblilltioa. or other a..ttl rlqairin& 1..ilD..at' .0 that'tbe Co-paD,. or tbl Tru.te. vpoo tb. dirlctioa of tbl ClI1IJ'lJIJ, .., ybutnr, Denner, Dllothte all' eueb a..eu vithout eOD.aat or .1IDltur. froa the leiD.urer or aDJ other elltit" The, ....t. dlPo.ited to .ucb tru.t accooDt,aball be .alued, for tbe purpo.e of detlrataiDI tb' e.tlllt tberaof, .ccordiDI to thlir curreut fair ..rklt ,.1uI OD tbl d.tl I' of ybich .ueb .elo.tioll i. to bl , ..dl, All ..ttle.rat. of 'CCOUDt b.tY..D tb, co.p.a, aad tbl laill,urn .bllt bl ..de iD cllh or iu Iquhl1lllt, Th. Illa.ur.r ., from tl.. to ti.. Ybil. tblre i. DO dlficl.ac, i.. tile taln IICOlIal r..uut thl CDllpIIl" to vitb4uv fro- the tnlt Iceouat .11 or .., ,.rt of tb. ....t. cOPt.iD.d tblr,ia, 'Dd tb. eo.pao, .blll d.li,er .... to tbl a.la.vr.r or to it. ord.r, if it 'fir't repllc" tbl _itb4rlWP ....t. vitb otblr qualifild ....t. of ....1 ,.101 'PPTVYed bJ tb. Co.paay '0 tb.t .t .11 ti... tbl ..rkat v.lul of tbl trult eccouat i. Dot II" tblD tbl .-ovat rlquirld to bl on 4lpo.lt, The C....aT .ball Dot aural.oaabl, or .rbitrarilY vit~ld it. 1"toYal. &0 10Dl a. tblre i. 00 defici,"c, 10 the tru.t leeouat, tbl lll...urlr .ball b..1 tbl full IDd uDqu.lifi.d rilbt to vOtl lad ....uta COO.lDt. witb r"plat to ..., .barl. of IOtiDl .toek depo.ited aad .b.11 bl IDtitl~ to rlc.lve from ti.. to ti.. froa the tru.t.. pa,..at. of eo, dl,idlDd., ia\er..t or otblr iacu. lIpoa Ill, .h..... of Itock or obUI.tluD' inclvded i" th.tl1ut .nwot, .,~. ,!III,,, . fUj-21-1995 15129 FlllJ1 psm In.urance Ger" OC, TO MIOro.. E LEVIN (d) th. Co.paD1 or it. .ucee..or io ioterelt .., drew UpoD aDY LItter of Credit or .itb'rev ""et" fro. tho t~.t .ccouot It 'DY tia. 'Dd fr~ tl.. to tiae, oorwitb.t.Ddiol anr otber provi.lOD' iD P,ll thi. Aaf.caeut, aDd .ucb fUD'" Ih.ll b. Ipplied .ltbout dL.loutioo bec.u.. of ID,ol.'Dt, 00 tb. plrt of th. Co.p.oy or tb. a.iDlur.r for DO. or aor, of tbe followiol purpo.., Daly. (1) to r.i~r,. the C~IDY for thl l.iolur.r'. .hare of tb. pr..loea r.tUrDed to tb. oyoer. of polici.. r.iolured uDd.r tbe Aar....ot 00 .ceouDt of caocall.tlOD' of .ucb polici..; (ii) to r.Labur.. the C~'oY for cb. 1.10.urer'l Ib.r. of .urread.r. aod b.o.fit. Dr 10.... p.id by the Compaoy und.r' the te,.. aDd pro.LllOOI of tbe policial r.iDlured uDd.r tbe "re..eot I UB) , to IUD' .11 .ccouot "itb tb. Co.paDY in '11 ..ouot It le..t .qu.l to tbl dlductioD for r.iD.uraDc. c.d.d lroe tb. Coapao,'. li.bilLtle. for pOlicL.. c.ded uDder tb. 4&r.....t. .ucb '~UDt to iIlClu'., Lf ,pplicabl.. (bat Dot b. llaited to) e.ouot. for pulic, r,",rw.., cl.~, 10' 10.... {Pcurr.d "betber reporud Dr DOt 'lId/or "IUI" aDd/or 10.... r.l,rY.' .od/or 10.. "ju.r.eot espeD.I. aDd/ Dr lIDa.rned pr_LIIII nlln..; (1.) to p., aoy other ..ouotl tbl Cv.p.DY cl.L.. .re due uDd.r tbe Aare_lI (v) witb r'.p.et to . tru.t .ccouot. to ,.r.it tb. .uh.titotioo of ....t. ,.reu'Dt to ,.r.rr.pb (c) .bova. (.) Tha '..iaaatl' bank .b.ll baY' DO r..poo.ibilit, "b.t.o...r io coaoectioa with th. propriet, of vLtbdr...I.'..d. DO the Lett.r of Credit or frva th. tr..t eCCOuDt. .. the c....., he. or.tha dapo'itioo of fRD" withdrawa. .ac'pt to .a. that vitbdr...l. .r. .... ouly opoa tba Or'.r h1 pr...atatioo of li,be 'raft. by prop.rl, .utburlaed r'praleot.tl..1 of tb. Co.p.o" (I) Vbar...r. L.tt.r of Crldit Dr . tru.t eccOUDt sblll bl requir~d uDd.r tbil Atr.e.tat, tbl a.iDlurlr Ib.ll caule ao Icelptabl. L.tt.r of Credit to b. i..ued, 10 place alld .ff.ctiv., or Ib.ll sak. tb. r..uir.d truet .eeouDt d.po.it, DO later th.a the IfflCtiYI d.t. of tbil ..r....ot. AUQ-21-1995 15128 FROH PSDA In.urancr Grrv DC, m MIOro. E LEVIH P,IOl AIlncu VIl1 ---- OFF-GET OF AIIomm; Dl1E The .olaourer or t~e Coapau, .., off..t aaf b.l.ucr vbethar aD accouat" of pr_1W11, c_laaLOIU. 111.... or 10" or claia o.pono dllo fro. ODO portJ to the otb.r IIDder t~i. Aar....nt nr IIDder laf otbor rola.aroDce I,r..-eat herotofore or ~or.after oat.red iDtO botwooa tb. lela.aret aad tbo Coapaaf. v~other IcLlal II .1.\la1al reiDlllrer OT cecllDI eowpaD', AlTICLE 11 ---...---- ACetll '1'0 ltCOJD8 Th. CoapaDJ .holl .aka 1~lillble, It it. braDcb offic' ia Kllvollk.., VlocOD.ia. for iDlp.ctioa IDd pl.eo lD the c1i.po.al of th. l.ia.ur.r It III rel.oaabl. tl... III rleordl of tbe Coap.a, r.l.tlDI to thi. Asr....Dt or claL.. ia oODa.ctloD t~orlVitb, AIlncu: X ZIIOIS AXD OKt'I~OII ~o to.d..tteat deIIJ. orror ar oal..loD .boll reli... .ithot partJ h.rlto from .aJ ll.bilitf whicb wQ\lld ott.ah to ! it hetlO".r if lacb d'l." .rror or ..l..ioa hod Dot bien ..dl, proYid.d'lach d.l'f, .~ar or ..i.oioD i. rectifi.d I' '000 .. po..ibl. after e1ilco.,ry. AlnCLtn ----- IJl&OLVII'CT Ia t~. event of tbe lD,ol.eDc, of tb. CoapaDJ tbl. r,la.utaacI .b.ll b. p.,abl, dir.ct17 to tbl Comp,of, or to iL. liqllldlLor, receiver, coaletv.tor or .t.Latory .lIcce..or aD Lb. bl.i. of L~I HU>-.".-.,,~ lb'o<\j ~kU't I-'bIH Inlurance berv 1).... IU MIUtti. " LalIN P.13 11.bilil, of tb. Coapan, without 'u-inurion b.t.ua. of tb. ioaol~DC' of tb. C..,ao, Of b.caua. tba liquidator, f.c.lv.r, cooa.rvator or atetutU17 auoeenor of tb. Coeap.o, ba. hU.. to po, all Or . portioll of 00' ~1.l., It i. alT..', bowever, tbat tba liquidator, r.caiv.r, con..rvator or atatulor, autceaaor of lb. Coupon, abal1 liv. wriltaD aotica to tba .eioaurar of tho r.Ddeac, of . clai. a..iD.t tho Co.pao, ia'ic.tiDI tba polic, or boa' r.io.ured vbicb claim would Lavol.e a po..ibl. liabilit, 00 the part of the I.io.urer vi thin . r.a.oaabl. ti.. .ft.r .ucb cl.i. 1. fil,'. io lbe cooa.rv.tlou Or liquidatioo prota.dioa or ia lba r.o.iv.r.hip, aDd that duriDI tb. pendeoc, uf aIlcb d.l. tho Iduurer ma, bU'Ullte .utb clau- .nd inlupolI, It it. vwo ..pao.., in the prot...ioS vb.re .ucb cl.i. i. to b. adju'icated .D, daf.II.. or d.fell..a that it .., d... .v.ilabl. to tb. eo.pao, Dr it. liquidator, rat.iv.r, coo.etv.tor or .t.tntoCT .\lce..,or. ~. akp.D.a thu. iDcurr.d b, tb. l.iDaur.r .h.l1 b. cb.rl..ble .ubj.ct to tb. .pprov.1 of tb. Coort, .1.iD.t the CO-P'II, a. part of tb. ....0.. of cODa.re.tioD of liqui'atioD to tb. ..ceat of a pro rat. .har. uf the b..afit which .., .ccru. to tba Ceap.o, 001.17 .. . r.aalt of tb. ..fao.. UDd.rtakeD by tbe ..in.urer. !b. r.iD,or.Dt. .h.ll b. p.,.bl. b, tb. leiDaur.r to tb. eo.,a., or ita Ilquidltor, r.o.lver, coo'.rY.tor or at.~tory auco.,.or, .ac.pt .. provided b7 e.cti.. 4111 of tb. Mev lork lDaur.Dc. Law ..cept (.) wh.r. tbi. ..r....ot apetificall, provid.. .Doth.r po,.. of aacb reiD.ur.nc. iD the ..eDt of the in.ol..DC7 of the Coapao" IUd (b) vb.r. tb. a.1D.ur.r vitb tbe COD..ut of the dir.ct iD.ur", b.. ...v_.. .v~b polic, oblie.tlon. at tb. CoaP'D7 .. dir.cr ohlil.tioD. of tbe aeiD.ur.r to tb. pa7'.' uD'.r ,uoh poliei.. .nd ia .ub.ti~utioo for tb. obli,.tioD' of th. C""D, to .ucb p.,..., .. fUj-21-1995 15129 FRCJ1 PSm In.uranc~ Soru 0:;, TO MIOm.. E lBJlH OTl CU; XI 1 WItllATlOIC <.) At. eoDditioo pr.c.deat to .oy rilbt of .ctioo b.rauDd.~, &Oy di.put. arillo. out of tbll Alr....ol Ib.l1 b. lub=Itted to tbe deciliop of a board oC .rbitratloo co.po.ed of t~o arbit~alor' a04 .0 u.pir., ..etlaa 10 tb"eit, of Chica.o, 111iooia ual.I' otbervlle .cr ead. 'b) Tbe ...b.r. of tb. tbe board of .rbier.tloD .hall ba .cti.1 or r.tired dlaiot.r'lt.d offici.la of iDlur.aca or r.iDauraoce compaol.. other th.o tbe partle. or eb.ir afflllatel. ~.cb part, .hall appolot itl arbltr.tor, aad the two .rbitr.tora ab.ll cbooae ao uaplr. b.Ior. iOltltutiol tbe baarlne. If tba r..poDdeot faila to do 10 by the cl,i..at, the l.ttlr ab.ll .1ao .ppolat tha aeeoad arbitr.tor,' If the two .rbltr.tor. fall to acraa upoo the .ppolot..ot of .0 u.plre within four weeka .fter tbair ao=luatlooa, a.cb of tbaa aball 0'" tbr... of wbu. tbe othar aball daelioe two,aad ,tbo dlcialoo aball ba .... b, drawiol lata. (c) Tba cI.1a.ot ahall ,u"lt It. laiti.l .t.tem.ot .ithiD 20 da,. frma .ppo1D~t of tbl o~lr., lb. r..pood.ot .b.ll .ubeit It~. .t.t....t. aod tbe ela1a.at ..y .ubmit . r.pl, .tat...ot vltbiD 10 da,.. after recl1pt of till .....poohat 'a atlt~t, (eU Iba \>0...-. ablU ..ke III dlei.aIOt:l witb rllard to tba cult.. lad 0.1.. of tbe iD.orlace aad r.laluraae. bo.iDell. Tbl bocrd Ib.ll lalol it. decl.loo 10 vrltloC upoo ..ldIOCI latroduced It . b.ltia& or by otber melDI of .ubaittiol IYIdeacI io Which Itrlet rulea of rrideoea Oled aot b. followed. but 10 wbich crOll ....Io.t{oo and r.butt.l .hll1 ba allowed if r.queated, Thl bo.rd Ib.l1 mak. itl .Iciaioo witbiD 45 d.ya lollovial tb. tersia.tloa of tba haarinca uole'l tb. plrtlel coalaut to IU l.tIDlloa. Thl ~Ijorlll d.cl.Ioo 01 -1'''' P,14 HUU"c.&.-.&.:I:FJ .&.:>Ic:'z' t-kU1 ~ In.uranc~ berv u... IU \bI bo.rd .ball'be fl~l .-' b~iDl UpOb ell pertl.. to proceed ice. Jud~t.., be eDterR4 upoa tbe ..erd of tb. bo.rd In eo, court beviDl juri.dictioD tber.of, eel If .ur. tbla 00' Teia.orer i. lovolved ia tbe .... di.pute, .11 .ucb reiD.urer. Iblll coo.itutt lad let I' oat p.rt, for purpD.e. of tbil cllule lad c~aic.tiao. .blll bt ..d. b1 the C~pla, to .Icb of tbe rtialur.act cODltitutlae tb. ODe pert" prDvidtd, hov..er, thlt oDtbiDe thereio Ihlll i.plir tbl rlehtl of lucb reialurer. to ....rt ",,"r.l, rltber tb.a joiat, def,ol" Dr cl'U-', oor be CDDotrotd t' cb'DeiDl tb. li.bilit, oftbt rliolurerl under tbe tt~ of thi. Alre..tot froc .tverel to joiot, (f) lIcb p.rty .h.ll be.r tbe eapea,.'of it. ~ erbitr.tor eod .h.ll joiotly .ad Iqu.ll, beer .ith tbe Dtblr p.rt, th. .apea.. of tbl u.pire.. Th, r..-iaial CO.tl of tbe Irbitretion prDceedincl .blll bl .lloclted b, the bo.rd, unCLE lIlt ---- lunCr; Of Il7lT Bubject to provi.iao' of ~ticl. XlI, it i. 'creed tb.t ia tbl 'nlOt of .tb. hUun o~ tile ..ei..unr to p., '0' IIIIO\IDt claillld to be dUI blreuudlr, th, I.eioeurer .ill .ub.lt aDd coa.eat to tbl I juri.diction of 10' Court of CompltlDt JUTildiccioa .itbio tbe Daited Itlt.. .ud .ill compl, .itb ell re~ir"lat. alcel..ry to Ii.. .ucb Court Juriediccioa ead ell ..ttlr. .ri.i.. bereundlr .bell be dlt.rmiaed ia Iceordlacl vitb lbl law eod pr.ctiel' of .ucb Court, tt i..furtber ..r.ed tbat ..rviee of procI.' ia .ucb .uit '" be apou Director of loeuranee 'erYiee., p.an.,l..ai. Icbool 101rd. A..oci.tioD. tac., 412 ~, 2ad It.,,"rri.bur., PA 17101 'Dd that iD eu, .uit ia.tilul" eelialt it upon tbi. -%3- .......'''1 .'J<J;> 1:"-'11 I kU1 1'b1t1 In.ur."cI l>Iru u... IU MIUU,j L I.LVlIl P,I6 . ""_IlL, tb. blAnnr vlll Ibid. bJ tb. H..al IIlrhio.. ...d julla-e>>t ..f .ur.h Court ..f of '0' App.ll.tl Court i.. tbt ,,"..t ..f .0 ."ul, Th. .bo.. DIa.1I i. .utbori... I..d dir.'te4 to "'.pt .troi,. of pro.... 0" blb.U of tbe "Io.unr iP 'Ul:b .ult l..lllor uJ>Oo lht r.....t of the CoaP'''J to &i.. vritteD u..dlrtlkill, to tb. Cu.p.nJ tbat tb., viiI ...t.r . &....r.l 'PP.lr.llee ou bth.lf of at~lI.ur.r I.. tbl ..."t .ueh . .ult .b.ll b. ill.lltat.d, turtb.r, pur.u...t to 'lI' .t.tute of .", "Itl, tlrritor, or di.trlct of tbl Unitld &t.l.. vblch ..k.. pro.i.lo,. th,ttfort, tb. l.ill.ur.r ".r.o.. btrtbJ d..lreat.. tb. &up.rlJltlPd...t, co.mi..loo.r or Dlr.tlOr of lo.ur'lIc, of otb.r ofllc.r ,pleifl.1I for that purpo.. ill tb. It.tut., or bl. .uee...or or .uoe...or. ill offlo., .. It. tru. 1..11 levful .ttOrD., OpOIl wbo. .,roic. of proc..' ai' h. llVfullJ .... i. ..., .ctiOD, .ult or proc..dlo, ill.titu," h1 or 00 hab.lf of th. Caapa., or 10' b.lI.fici.t} b.reuDdar .rl.lot out of thi. Aar.,....t, .011 bere'" ...i...te. tb, lboY~d Dir.ctor h1 1..ur.o.. larolc.. .. tb. 10'1,1,..1 to wboa tb. a.l. offlc.r 1. ..tboria" to ..il .uob pro.... or . tl'1l. con tb.nof, oncLI Xl" --- I 1.011 UUILa a1IDOUDIZllT th. l.lo.ur.. .ar... to 'uroi.h tb. Ca.p'1I1 . 10" p'Jlbll ... ..." ~or.....t vu III 'a,rl,.t. or ...... policl.. .tt.lo.1I fto. p.rti.. oth., thlD ,.rtl.. '0 thi. cODtrDot lo..ri..& the hu.i..D.' r.i...vr" b"du, tJ VI,..II VlllIor, tb. plrtl.. b.r.'o h... ,.u..1I thl. Alr,.....t to b. ..,cut.1I io 'u,lie"1 b1 t~.lr dul, .utheri... r.,rennttthu, -II.. II! : ~ s . .J B . J . ... . 0 ~$J IJ .. I ~ JJ~ 81 II ~ ~ ... !!. k j ... ... ..il f! o 0 .. !l ~ :~-J M 0 M ,~ ft f!~ J I' .4B! j ( . ae,A' ,; :it II I: I!J~E:: I]i: b ! !j sj B iH if I a I Ji t If ii i:;~f Ii I BUd I J ~. r: .i . 8 .Ii ;1 , I t alE ~ gA'A'"~ a !' I '1 II !J.f J j~=Jj B . 1~~jR t HiB hi J I Ij .. ~~~JA' I. . j A A;::: iii pM i B... f H I ~i~! l- f J j HI' ;51 H I I 0: 0 J !H ,ii ~. i ~! to j.. I_I k I Ii ! i I: ~hj ;11 ~ .. . ze'd Hln31 J ~IJI~ 01 ':JO n"os .ouv"nlUI WSJ I-lI1lJ 1l1lS1 !i661-IZ-lJl:l [0 . d "}jlOi .. i I !H~ ! ~ ~ . ~ , if , I ' J i .~fj& i .' I.. J . . f f ~tiiiJ: J J .. 11 I - Ii ~!'J i i' - i I ~ f; ~ I t J I II 11 I Ii if; I ~ j B J I if- Iilis il I, , j f . s~ ;~I! !~! ~J " , " ;1 f: 1:11 :1 ~! ! ~ ! ~.G J ~ ! ! a M - · ~ .: : ..' .. ' [U'd tjl()~, ~ "=MUll" ill':JU nJ~ ""UIIJIlIUI WSd 1.(J!j~ 1'01!il !i661-1~-<<l.l Re: Martha Fisk May 9, 1990 PAge 2 Please file I1l1 Ansller to this petition to protect the Interests of our client. If further Infort:ll1t1on Is needed, please let me knOll, Very truly ;lours, C-\ -'1 ~l,,\l', t.. ~-.....c~c\ Daw E, Reed Claims Representative DER I h11 Enclosures CCI Gary DeFlorentlsl paBA Insurance Trult ~/ ....... .Af1IICll DOUaHUn H\lOH, NUlfD' CAL A UYIHTlfAl lOll." Q P11ICI Ion." I HutOH QUGen 0 allss IUDITH QAJDMla nlCI :JlOaall SAIA rJ IIAN' Jo4rOOHOUGH 'AJ04UM 'Nlr.-U II 1I1t:IITY, MUNIlY, U:VENTIIAJ. 8"d .1l~E RR 2 BOX 2061 1l0NESOALE, PENNSYLVANIA 18431 ..t W'OMIHU AYlHUI lIHU"O" 'lHH1'flYAHIA 11t04 lfIu,uun (717) 253.3161 FAX (71712539<93 V ~'.IlVED MAl 2 'UITI tw CONNlll IUILOIHQ I" N WASHINGtoN AVlNUl 9 19901(..0100 .. .."', '111114'.011 May 23, 1990 PLEAS[ Rtl'L Y TO, HO/lJ:SDAI.[ ... . Dawn Reed Cla~s Representative CLADlS MAIJll.-.........- 51RVICES, INC. .-__ P.O. BoX 2130 "- Leaoyne. PA 17043-0230 j RI: cla~ Ro.: 8921111 cla1aant:~ 5. islt XDsured: TuDkh_oclt Area 011: 89 Scbool District Dear .... Reed: ftanlt you for the infonation contained in your letter of May 11. 1990. cla~aot .ay well try to eventually arvue an a~vravation of a preex1stin9 condition. ODce I accuaulate all of the .edicals. I will set up the appropriate nm and keep you closely advised. " . -. ," Ny best re\lards.. r / ' I / , I / , . , -4 f. CAL A. LEVENTWU., ./ ISQtnRE CAL/Its L Ellhlbl t "0" i. (jJ'V-:'\ LV...., -. ( . '.~.' - , . III .,...TY, MUNIIY, I.EVENThAl. alld. Rft 2 BOX 2061 1I0NESOALE, PENNSYLVANIA 18431 .~~. ,"fNCl, DOUUKUfl HUGH' WUND' CAL A UYUf11tAL lour" Q raICI toeIPH I HIlTON 01100I' 0 GWI MM11I GAaDIfU "ICI 0101011 1A1A. ,. IW. MtDOfK)UUH lAl4d M wmu ," WYOMING AYIH\J1 lDulSTON 'lJfNnLYAHtA Ilrot UUIl" un (7171 253.J161 FAX (7171 25.U49J 1utT11OD COHNW IUlU>U4Q In N WoUHlHGTON AYlH\lI IClAHTOH tA IIIIU t1I11kl1011 June 26, 1990 PIJ:AI[ IIULY TO, HOra:sDAI.E Ms. Dawn Reed Claim Representative CLAIMS MANAGEMEN1' SERVICES, INC. P.O. Box 230 Lemoyne, PA 17043-0230 ~,,-- RE: Claim No,: Claimant: lnsured: 0;1 : 8921111 Martha . Fisk Tunkh nock Area School District 89 Dear Ms. Reedl There was a pretrial hearing ill front of Referee William J. Hall in this case on June 25, 1990. Claimant attended and presented an appearence of extreme disability as she was essentially led by relatives in and out of the hearing room. I have no medical to explain that at the present ti~e. I am collecting the same and then will see to an approp~iate examination. I will keep you advised of developments. I CAL/cjl ,. ~ best/regards, / ) / " , /. ~./LEVENTIlAL .,T' .':) bhlblt "Il" (LLP'-'0, V\~....: 110 .iEllTY, MUNUY,1.EVENTHAL 811111 .~ECEIVEO NaV 2 6 1900 PAnlCll ;K;UGHlJIn MUG", MUND' CAL A LlVDtTK.AL :our" a lltel IOIUH I tllSTCN QIIQQlf' 0&:11 l'U'DITH GAlDHU 'Riel 01010& I IAU. :1 IUH, McDOHOl.'GH IAMU W wtTnJI MlCtLUl W ITNeN :n Ms. Dawn Reed Claim Representative CLAIMS MANAGEMENT SERVICES, P,Q. Box 230 Lemoyrie, PA 17043-0230 Rft 2 BOX 2061 HONESOALE, PENNSYLVANIA 18431 (711)253.3161 f Al 1717) 2SJ.Il4V3 November 15, 199 INC. (1 C 1 a 11u NO.:( Clalmant: ' Insuredl o II RE: Dear Ms. Reedl d. wtCNlHQ AYlH\I1 IlHam::N 'IIfNIYLYAJf1A II"" 'fa"'''I.'' ~ lum IOD COHHDJ. luu.DtNQ In If WAIKlNQT'OH AYtHUl ICUJfTO" Pol IItOJ tU'ISC' tOil PLEAlE IIEPL Y TO, HOIfEliDAU: School District We do have a hearing in this matter set for November 28, 1990, The doctors have not responded to my Subpoenas. I have asked Claimant's counsel a number of times for the medical reports. I refuse to have the Claimant examined until I have all of the medical reports 50 we can differentiate between what may have happened to the Claimant on the date of this injury and her prior problems. This will be discudsed at the time of the hearing with the Referee. I will keep you advised as to what the claimant~s testlmony is. , I CAL/nk ~>vb~.st regards, / /, -' L---'C~ '/~ . .' ./ I.. . (;.;"'1) 'L ,. Exhlbl t "F" November 28, 1990 H., Dawn Reed Claim Representative CLAIMS MANAGEHENT SERVICES, INC. P,O, Box 230 Lemoyne, PA 17043-0230 REI Claim No. I Claimantl Insured. 0/11 8921111 Martha S. Fi.k Tunkhannock Area School Di.triat 11/6/89 Dear loIs. Reedl Plea8e be advised that there was a full hearing in thi. matter before Referee William Hall on November 28, 1990. The only witne.. pre8ent was the Claimant. MI. Pisk, who live. with her parente, appeared to be in extreme dietre.. during the hearing. She teltified initially a8 to her 1973 auto accident which re.ulted in a cervical fusion and then her 1985 Workmen'. cOmpen..tion injury where aE.!-1el~.w~~le in.truoting .ome a~ta._frOll a e....U-aflll P11"led approlCima te 1 y thue YA. r" nf ,_ woll~ When .he returned to the school di.triot in 1988, she did ao .~ liqht duty. B..ic~lly, she. did not_have to perform any typa of activitie. with tba children_that would involve a lot of bending_.C?r:.~wJ.~_~!ruu--.!.tP. At all ..tiJpltL'4.nce .tAC un inc ide nt_ up-through the November of 1989 incendent, which i. our concern, ,. ahe wa. on pain killera, . (; Sh; ha. ai~~-'b;;;-~nd~~ the can of her family phy81c1an, o/r> \ .enner, frea MoDtroae aince 1985. The Chi.ant .tated that in Septealber of lllU~ .he tel-Lv.U." enough to perto1"ll her full dut~e._.. a ~..aher.--1IliiJ.:-than .s.aarthed__th'__ln~r4.n~- lr(J!ovDlber of 'itlt when a Itudent ran. into tha back of her. 8he did hot .ctuAllY- fall down but Hili ~p.c~waa harG tnouljIh where .he telt ~diate .evere pain 1n her low back which gradually radiated up to her neck, The Chi.ant 8ia.ad about 'g\ll' dAra. aml_ returned to work under ,_tr..e paln.. Tha ClaIiAnt had explained how .he wanted to make avery att_pt to continua wcrkinv and tinieh out the yur hoping that the .u..er otf would \live her enough time to recuperate. UnfortunatelY, ahe on~de it to A~ril vhen the pain became .0 .evere that eha could notcontTnue, ----. I:~hlull "U" H.. Davn Reed November 28, 1990 Page 2 Her medical hi.tory is ve11 documented ln the r.cord. and .he w.. operated on by Dr. Wl111am Black ln October who pertormed a 1amlnectomy at her lover ~.ok. She ha. had mln1ma1 rellef from that QperAtion. She artite pre.ent-HJlle 1. golng to .ventually undergo a pump implant ln her cervical .pln. which vl11 glve h.r constant doso. of morphine to cut down on the paln. The Claimant made a good impre.slon vltb the Ret.ree as be1ng honest and sincere. Her p.rent. v.r. ln attend.nc. at the hearing. My croes-examinatlon hammered at the fact th.t ehe va. never pain-froe from 1985 lnjury and, ln faot, .h. va. .tl11 under the care of Dr, Benner. 1 .bt:Q.!!.!lbt out l:_b. .t~(1t that she was even scheduled to eee Dr, Sennar be fore- the Nov.mber'lnC-~dent for her prlor problems which ex~m WAI to take place cafter 'tii.f'- lncld.nt..-- Thus, there- Was toO-be a continuation of treatment"even be~our incident. Ohlo CasuAl ty cut off thILC1a1m4nt! a- 1Il&d1cala entirely after our inclaent deepltethe-fact that some of the exama were scheduled after ou-r--'incldent even lu1!OU--QUC- ineident.. took place. - '- C1alii1anf i-cciunliel--fi-gOing to U1e a Petition for'il"lnstatement againet Ohlo Casualty. At thi. junctuce, I do not feel we're gOing to be able to resi.t the expo.ure on this ca.e. The Claimant was able to work ~lbeit with pain in November of 1989 and slmply could not continue atter April of 1990. A. I reterred to previously, the diagnostlc test. do .hov .ome further damage at the lumbar area. The Clalmant al.o te.tfied that .he hat pain ln both arms and legs, hips, and ehoulder., vhere before the November lncident her complalnts were .c.tly right arm and left leg. Thue, ehe has increaeed .yapto.atology that are more diveree than betore our incldent. What I would 11ke to try to ea1vage out ot the case 1. to .Iintaln .oaa re.ponllbllltr for at leaet the medical bl11s of DC. A_nn_r fq[ ~e 1'15 lncldent. The ca.e wll1 now b. at a etand.tlll untl1 Ohlo Caeualty le for.ally joined, I felt lt wa. .cre etf.ctive to have Claimant'a counlll jOlD th.. on a aelnstatement Petition then for me to file a Petitlon for Jolnder. A. you are aware, we do have an 1MB .at wlth Dr. Byron ln rebruary and I wlll let you know what hla te.llng. are. I'd HI, DI"n Reed Novamber 28, 1990 Pave J like him to try to focul in on an attempt to relate her proble.. to the 1985 incident although that is goinV to be diffioult. Hy belt revard., CAL A. LEVBNTHAL CAL/llk '. 'UllICII COUGHlan HVOIt' NUJIIP' CAL A uvpmtAL IOU,H Q 'aiel Olcatill IAIA lJ IO.UM I HutoN OlIGO" P QlJU ,UDmt l1AADNlI ,Illel ,UN' W,DOHOVGH ,""'U N WntU MICHAlL A IUD' Il,' .IIEIITY, MUNIlY.I.EVENTlJAl.and ICt: ftA 2 BOX 2061 1I0NEsOALE, PENNSYhV ANIA 18431 -~.~ .'.. I:".,~ ....., 1".1 4" WlONUta AVDfUl lJH<UtoN PUfHlnVAHtA 11104 l'm_uI! 1717) 2U3161 FAX (717)2539<U Jln .tILl IYILDINU f14IJD nOll. ," .,auel "1ll1l lCaAIfTOM rA lito! tlll1)411011 May 14. 1991 PILAU IID'L Y TO, HONtlDALE Ms. Kay Shuey Claim Represelltative CLAIMS MANAGEMENT SERVICES. INC, P.O. Box 230 Lemoyne, PA 17043-0230 REI Claim No. Claimantl Insuredl 0111 8921111 Martha . Fisk nnock Area School District 11/6/89 Dear Ms. Shuey: please be advised that the undersigned is assisting Attorney Leventhal with regard to the litigation in the above captioned case. Most recently, I attellded the deposition of Or, Black which wss taken by Claimant's counsel on May 8, 1991. Or. Plack testified that he first saw the Claimant on March 23, 1990 an a consult for Dr. Ranieri. Or. Black testified that prior to his seeing the Claimant, she was suffering with long-standing reflexive sympathetic dystrophy, In fact, he related her symptoms of pain with radiation to the left knee as part of her symptoms of RSO. When he saw the patient, he stated that her current complaints were pain in her back bilaterally radiating in her legs to the feet. lie also stated that she had chronic pain syndrome with depression and sleep disturbance. "is recomm,oded course of treatment was for the Claimant to undergo surgery on her low back and the Claimant did eventually undergo an operation during October of 1990. She had a lumbar laminectomy with biloteral disc removal. On October 21, 1990, the date of discharge, Dr. Black felt thet her prognosis for lumbar surgery should be excellellt. Ilowever, her prognosis from her chronic reflexive sympathetic dystrophy remains guarded. Clearly, the doctor establiahed on the record that they are two separate injuriea, lie tied the reflexive sympathetic dratrOPhY to the 1985 injury for which the ohio Casualty Company ,on the rlak. Although the prognosis after the laminectomy was excellent, the Claimant had ,uffered a setback when she developed all irritation of the meninges seal aurrounding her spinal cord. The doctor stated that moat likely this irritatioll resulted because of the Claimant', sensitivity devaluped by her RSO. lie anticipates that she will be undergoing surgery in the near fut;.ure to correct the disturbance to her meningos Beal. hh I \Jl t "I\" .1. ,dtl.I&11 .' Ms. Kay Shuey May 14, 1991 Page 2 He cOllcluded that she is currently ~otally disabled and unable to work and he stated that he would not be able to determille the extent of her disability until the meninges seal surgery was completed. Finally, Or, Black was very adamant about the fact that he is not treating this patient for RSO and he refuses to treat her for that condition. lie stated that patiellts who suffer from that condition require very extensive and long ongoill9 care which he is not willing to provide. lie stated that her RSO is being treated by Or. Rallieri. As Attorney Leventhal advised you through his correspondence of November 28, 1990, we cannot resist the exposure on this case. Clearly, Or. Black has established a new injury as of November, 1989. However, with the doctor's testimony, I think that we are in a much better posture to have the Ohio Casualty Company maintain responsibility for the medical bills of Or. Benner and Or. Ranieri regarding the 1985 incident. It is my understanding that the ohio Casualty Company has cut off the Claimant's medical entirely after the incident of November, 1989. If push comes to shove, it will be necessary for us to file a Petition to Review the medicals in this case so that a Referee can make a final determination as to the responsibility on continuing medical treatment. We will proceed in this matter by accumulating all medical records and carefully reviewing the same. We will also forward to you as Boon as possible the report of Or. Thomas W. Byron following the independent medical examination scheduled for June ,.7,1991. If you should have any questions at all, please do not hesitate to contact me. Sincerely, pltrAcu~ MICHAEL A, BRADY MAB/cjl . OLD RBPUBLIC INSURANCB and SCHOOL BOAJWS INSURANCB COMPANY. LTD.. P1ainti,ff8, V8. OOUGHBRTY, MUNDY, LBVENTHAL and PRICB, DOUGHBRTY, LKVKNTHAL and PRICK, DOUGHBRTY, LBVBNTBAL, PRICB , SABA, and CAL A. LIVINTBAL, BSQUIRB Defendant8, I IN TUB COURT OF COIOlON PLIAS I COIIBBRLAND COUNTY I I I CIVIL ACTION - LAW I JURY TRIAL DEMANDBD I I I I I I NO. g5-2730 CIVIL TBRM I I I I I I DIFKNDANTS' PRELIMINARY OBJICTIQHS TO PLAINTIFFS' COMPLAINT Defendants by and thl'ough theil' counsel. Dougherty, Leventhal, Price " Baba, preliminarily object to plaintiffs' complaint as tollows I 1. This action has been instituted in CUmberland County. 2. The detendant, Doughe1'lY, Leventhal, Price " Saba (formerly Dougherty. Mundy, Leventhal and Price and also formerly Dougherty, I,eventhal " Pl'ice) ill It partnership engaged in the practice at law, duly organized and exillting under the laws of the Conunonwealth of Pennsylvania, and maintains offices and places of husinollu in Kingslon. I,uzenw County, BCI-anton, Lackawanna County and Iloncsdale, Wayne County. J. The individual defendant Cal 1\. Levenlhal, is a resident of Wayno Counl.y ami ill a part Ilf!! in t he law finn Dougherty, I,uvelllhal. Price /. Uaua !lnd maintains an office in 1I0nesdale, Wayne ('Ollnty, 4. The venue of thiu action iu improper in Cumberland County, since under Pa. R.C.P. 2130 plaintiffu may only bring this action against a defendallt pal"tnership in the county where the cause of action arose. where defendants registered office 01" principal place of business ~tJ located, where it l"egularly conducts business or where a transaction or OCCUITence took place out of which the cause of action aroue. 5. Defendants' offices and places of business are located in Luzerne County, Lackawanna County and Wayne County, Pennsylvania. 6. Neither the defendant law firm no l' the individual defendant has an office or place of business in Cumberland County. 7. Defendants do not and have not conducted any business in Cumberland County. B. Plaintiffs allege in their complaint that an attorney- client relationship existed between the plaintiff Old Republic Insurance and the defendants pertaining to a workers' compensation proceeding filed by one Martha S. Fisk against her employer, the Tunkhannock Area School District and that the defendants breached their duty of representation to the plaintiffs resulting in damage to the plaintiffs. 9. All proceedings related to the above workers' compensation claim were held before the Administrative Law Judge and the Workers' Compensation Appeal Board in Lackawanna County. 2 2. That the partnert;hip maintains offices and places of businees at the following locations: Luzern" County I Dough! " Leventhal, Price '" Saba 459 WYOloing Avenue Kingston, Pa. 18704 Lackawanna County I Dougherty. Leventhal, Price", Saba 425 Spruce Street 3rd Floor Scranton, Pa. 18503 Wayne countYI Dougherty, Leventhal, Price'" Saba R.D. 2, Box 2061 Honesdale, Pa. 18431 3. That the law firm has no office or place of business in Cumberland County. 4. That the law firm is presently not doing business in Cumberland County and in the past, has not conducted any business in Cumberland County. ? ! '-.._--~ Sworn and subscri d to before me this day of September, 1995 ealth of Pa. I flmAnl^lSEAL I E1....r\INE U rUflC:O '~o'''ry Pubtic klfll,l,.:\111 I.U:-I!!'/ltJ County -~.t.~2~~!.'..t~!~!""Hrh 15. 1998 ". That all eervices perfonned by him and hie etaff pertaining to the Workere Compeneation claim of Martha Fiek againet the Tunkhannock Area School Diet rict wet'e perfOl1l1ed in I,ackawanna County. Wayne county and Wyoming County; ~, That the agreement to retain the servicee of the defendant law firm wae entered into in Luzerne County. /,/ sworn~and subscribed to before me thi.s .-1L- day of September, 1995. Notary of the Commo lth of Pa, t NOTARIAL SEAL EL,.lINE 'J cuneo UOI"ry PubliC Kmqo;.'Qf\ Lu:e'ne Ccunly 2::!~.f.9~~f.J.'~i~.~~~ ~ 1996 \ OLD REPUBLIC INSURANCB and SCHOOL BOARDS INSURANCE COMPANY, LTD., Plaintiffs, vs. DOUGHBRTY, MUNDY, LEVENTHAL and PRICB, DOUGHERTY, LEVENTHAL and PRICE, DOUGHBRTY, LEVENTHAL, PRICE ~ SABA, and CAL A, LEVENTUAL, BSQUIRB Defendants. I IN THE COURT OF COIOlON PLEAS I CUMBBRLAND COUNTY I I I CIVIL ACTION - LAW I JURY TRIAL DEMANDBD I I I I NO. 95-2730 CIVIL TERM I CERTIFICATE OF SERVICE I, PATRICK E. DOUGHERTY, ESQUIRE, hereby certify that I served a true and correct copy of Notice to Plead and Defendants' preliminary Objections to Plaintiffs' Complaint by United States first class mail, postage pre-paid, this 12th day of September, 1995 upon the following: Michael I. Levin, Esquire Michael I. Levin and Associates Willow Grove Plaza suite 2000 102 York Road willow Grove, Pa. 19090 Attorney for Plaintiffs ~~~ PATRICK E. OOUGIIE DOUGHERTY, LEV HAL, ICB & SABA 459 Wyoming 8Utl Kingston, PA 18704 Attorney for Defendants ('717) 288-1427 OLD REPUBLIC INSURANCE and SCHOOL BOARDS INSURANCE COMPANY, LTD, , IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY plaintiffS, CIVIL ACTION - LAW JURY TRIAL DEMANDED VS. DOUGHERTY. MUNDY, LEVENTHAL and PRICE, DOUGHERTY, LEVENTHAL and PRICE, NO. 95-2730 CIVIL TBRM DOUGHERTY, LEVENTHAL. PRICE & I SABA, and I I CAL A. LEVENTHAL, ESQUIRE I I Defendants, I CERTIFICATE OF SERVICE I, PATRICK E. OOUGIlERTY hereby cert ify that I served a true and correct copy of Response of Defendants to the Requests for Admissions and Answers of the Defendants to Interrogatories via Federal Express, overnight delivering this 21st day of September, 1995 upon the following: Michael I. Levin. Esquire Michael I. Levin and Associates willow Grove Plaza - suite 2000 102 YOl-k Road Willow Grove, Pa. 19090 \~- , " " (t' \ ~' \~ C (. 1"-\ '^ Ie". ,,,.rGJrill,~ 'SQUIRE ~- DOUGHERTY, LIlVEN'l'HAI.. PRICE & SABA 459 Wyoming Avenue Kingston, P1\ 18704 Attorney [or Defendants (717) 2BIl-1427 . . . ~-- '-,' . DOUGHERTY, LEVENTHAL and ~RICE, NO, 95-Z710 CIVIL TERM OLD REPUBLIC INSURANCE and SCHOOL BOARDS INSURANCE COMPANY. LTD. , IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY Plaintiffs. CIVIL ACTION - LAW JURY TRIAL DEMANDED VS. DOUGHERTY. MUNDY, LEVENTHAL and PRICE, DOUGHERTY. LEVENTHAL, PRICE & SABA, and CAL A, LEVENTHAL, ESQUIRE Defendants. ClRrlfICA1I_~I_BiRYICI I, PATRICK E. DOUGHERTY, IWC)tJ]"~;' hel'eby Cl!l~tlfy that I served a t rue and COITect copy of ""'1ueBt f nl Ploduct i on of Document. s by United SLaLes first claso mail, poota'll! pie-paid, Lhls .3~day of November upun Lhe following: Michael I, Levin, Esquin, Michael I. I,evin and Associateu Willow Grove Plaza - Suite 200~ 102 York !load Willow (lIIlVf', Pol. 19090 '"'J ' L) I / 'i'L.t. t. ,_ (.u:, ",) /-( ~~ I, .......'\Jl~ ji1\'I'll j ('KJl.IJ()IlCllmll'ji'f'; RSQtJ IIU~ 7~ 1l01ltllmll'l'Y, I ,I\Vio:NTIIAI., PH 1 ell I. HAllA 4"') Wyomi n'l llVI'Il\1l' Kin'llll nil, I'A 111'1114 COMMONIVBAU'/I OFI'll'NNS)'U'''NI'' COllN1T OF ClIMlmRIAN/) OI./J RllI'lI/1UC INSlIRANCli COMI'''N), /lnd : SC/lOOl. IWAROS INSlIH,\NCU COMI'AN)', /.'In, : I'I/linti/f\', : -t'- : C/W/. I\C1'ION - 1,;\ IV Jll1tl:J1iltlf., lJIiM..Mill1ill : /)O{/(,lIIiR1T, I.IWUN1'IIM. "NO I'RICU : H, R. 2, IIOX 2061 : /lONli.'ilJAUi, I'" 18.141 : : Litl. ". Ui 1'/iN7'/lA I., BSQUlHU /JO{/(UlBH1T, UW/iN7'IIAI. & I'RICIl R. H. 2, /lOX 2061 1I0Nli.'i/MI.Il. I'" 184.11, /Jefendallls. : : : . , : NO. 9J-27.W-CII'II. 7'BRM I, JOSE..... J. "'ESTON, ESQIJIRE, hereby l'crtll'y tllIlt I hllve f'orwllrdcd IIIl orlgllllll ANSWERS TO INTERROGATORIES by U.S. MIlII, First-Class, postllge prc-pllld, this If ,((, dllY of' C)c/-...-A..tAJ ,1995, IIddrcsscd liS f'ollows: Michael I. l.evin, I~quire MICIIAIU. I. I.EVIN Dnd ASSOCIA 11<;S Willow (;mve 1'Ia.7.ll, Suite ZOOO Willow Gmve, I'A 19090 1)()ll(;III';R'IY, U;VI<;NllIAL, IIIUeI<; & SAnA .' l(~/1 .;.A&....J N1 ( ../ic.)SI<;I'lrl?l-'~~T()N, K~IJiR";- 459 Wyoming Avenue Kingstoll, I'A 18704 Attorneys for l)efelldDllts IN TilE COURT OF' COMMON PLEAS OF CUMBERLAND COUNTY CIVIL ACTION - LAW OLD REPUBLIC INSURANCE AND SCHOOL BOARDS INSURANCE COMPANV, LTD., NO. 95-2730 CIVIL TERM Plaintiffs v. OOUGIlERTV, MUNDV, LEVENTIIAL AND PRICE; OOUGHERTV, LEVEN1'HAL AND PRICE; OOUGIIERTV, LEVENTHAL AND PRICE AND SABA, and CAL A. LEVENTHAL, ESQUIRE Defendants PLAINTIFF'S ANSWZR TO DEFENDANTS' PRELIMINARY OBJECTIONS TO PLAINTIFF'S COMPLAINT The plaintiffs, OLD REPUBLIC INSURANCE and SCHOOL BOARDS INSURANCE COMPANV, [,TO, through their attorneys, MICHAEL 1. LEVIN AND ASSOCIATES, hereby respolld to the preliminary objections raised by the defendants to the plaintiff'S complaint as follows: 1. Admi tted, 2, Admitted. "]. Admi tted. 4, Admitted in part and denied in part. It is admitted that plalllllffs may only brlllg a cause of actloll agalllst a defendant partnership in the county when, the cause of action arose, or a defondant's registered 011 Ice or principal placo of business is located, whore It reqularly conducts business or where a trallsaction 01' OCCUITence tonk plilco out of which the cause of action arose. It. is denied that venue was improper. 5. Admitted. 6. Admitted. 7. Oenled. 1 n furthel' answer, It is averred that the defendants have sufficiollt cOlltacls with the coullty through thoir cliollt consultations and generation of revenue to constitute the regular conduct of business. 8, Admitted. In further answer, the Complaint speaks for itself and the defendants' allegation does not fully describe all allegations made, 9, Admitted. 10. Admitted, 11. Oenied. The plaintiffs are without SUfficient knowledge as to this allegation alld proof thereof is demanded, In furthel' answer, it is averred that there woro numerous communications by telephone and mail to and nom Cumberland County on a I-egulal' basis over a period years, both with I'ol}arll to the underlying workers' compenllation mlltter that lu tho basle 101- this caUBe of action, and with reqanl 10 olher CIIBoa. 12 , Adm I tt ed , I J, A,tmll.led.