MURPHY, Circuit Judge.
I. INTRODUCTION
Plaintiff-Appellant Ricky Eugene Clark filed a class action suit in Colorado District Court, County of Pueblo, against Defendant-Appellee State Farm Mutual Automobile Insurance Co. ("State Farm") for extended personal injury protection ("PIP") benefits under the Colorado Auto Accident Reparations Act ("CAARA"). See Colo.Rev.Stat. §§ 10-4-701 to -726 (2000).
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