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Issue: On June 18, 2007, personal representative Rick Gikas filed suit on behalf of the estate of Wavie Luster in Lake Circuit Court, alleging that

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Issue: On June 18, 2007, personal representative Rick Gikas filed suit on behalf of the estate of Wavie Luster in Lake Circuit Court, alleging that defendant Allstate Insurance Company ("Allstate") refused in bad faith to pay Mrs. Luster's claim for benefits under her homeowner's insurance policy

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