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Try CasePortal for FreeJ. Nagala denies the insurance policy issuer's motion for summary judgment, ruling the ratification doctrine does not apply to the insurance company. The policy became enforceable as soon as it was issued; therefore, the insurer was required to indemnify the client regardless of whether it accepted the policy, which lacked certain exclusions, and the policy issuer can be held liable on contract claims for its failure to include the exclusions.
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