Cecil R. and Carol L. Hawkins - Page 8




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          including symptoms such as insomnia, headaches, and stomach                 
          disorders, is not considered a physical injury or physical                  
          sickness, except that an exclusion may be allowed to the amount             
          paid for medical care attributable to the emotional distress).              
          See generally Black's Law Dictionary 542 (7th ed. 1999)                     
          (“emotional distress” denotes “A highly unpleasant mental                   
          reaction (such as anguish, grief, fright, humiliation, or fury)             
          that results from another person’s conduct; emotional pain and              
          suffering.”).  Petitioners have not asserted that they paid for             
          any medical care attributable to emotional distress, so as to               
          come within the just-referenced exception, and the record does              
          not establish that any such payments were in fact made.                     
               All arguments made by petitioners for a holding contrary to            
          that expressed herein have been considered, and we reject those             
          arguments not discussed herein as irrelevant or without merit.              

                                                  Decision will be entered            
                                             for respondent.                          

















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