MIAMI - The Florida Insurance Guaranty Association Inc. (FIGA) did not have a duty to defend and indemnify a personal injury lawsuit because a surplus lines insurance policy acceded by an insolvent insurer through a merger is excluded under FIGA's statutory provisions, a Florida appeals panel held July 18, reversing and remanding for entry of final summary judgment in favor of FIGA (Florida Insurance Guaranty Association Inc. v. William Karelas and Christine Karelas, No. 3D10-3015, Fla. App., 3rd Dist.; 2012 Fla. App. LEXIS 11530).