OPINION
FROST, Justice.
This matter comes before us by way of certification from the United States District Court for the District of New Mexico pursuant to NMSA 1978, Section 34-2-8 (Repl.Pamp. 1990) and SCRA 1986, 12-607 (Repl.Pamp. 1992).
FACTS
Thomas and Bertha Stone insured four vehicles under one multi-vehicle policy with Allstate Insurance Company. The Stones also carried a single-car policy with Allstate that insured...
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