MAYNARD, Justice.
The appellant, Sheryl Lynn Jewell, appeals the order of the Circuit Court of Raleigh County, entered on October 11, 2002, which granted summary judgment to the appellee, Nationwide Mutual Insurance Company ("Nationwide"). Jewell asserts the circuit court erred by concluding that the reasoning of Riffle v. State Farm Mut. Auto. Ins. Co., 186 W.Va. 54,
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