There has been numerous cases where a precedence has been set concerning the very situation, one in particular is the famous "Ship Of Gold" found off the North Carolina coast. The individuals who located that ship were slapped with lawsuits by numerous Insurance companies claiming ownership to the entire contents, the Federal Courts ruled that the Insurance companies were entitled to the amount paid on the claim as well as a fair interest rate on the amount paid. In the legal arena that would be referred to as "Fruits Of The Posionous Tree" on the part of the insurance company.
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