The insurance companies are denying coverage on the grounds that Penn State failed to report the '98 and '01 incidents.
Otherwise, your post is gibberish.
How cute, the Freeh report is being used against PSU for 98, which was reported, and for 2001,which has no identified victim by the same insurance company which was supposedly consulted and drove the settlement process. I won't point out that is still only 2 cases out of the roughly 25 that PSU paid out, both before and after those cases. I won't even get into the hillarity of psu defending the veracity of the Freeh report in a court room setting given all their statements discrediting it and how its not being used for anything. Much like michy, you're the gift that keeps on giving.