(October 2, 2015, 11:23 AM EDT) -- MIAMI — Quoting an African proverb in a professional liability coverage dispute, a federal magistrate held Sept. 30 that pursuant to the policy’s broad definition of “related claims,” prepolicy personal injury protection (PIP) demands are related to within-policy claims for which an insured seeks coverage and, therefore, all of the claims are deemed one claim made before the policy’s inception (Direct General Insurance Co. v. Houston Casualty Co., et al., No. 14-2005014-20050, S.D. Fla.)....