BOUDIN, Chief Judge.
On March 8, 2000, a large rental van driven by Yury Shkolnikov crashed into a median barrier in Clark County, Nevada. Eight of the van's thirteen passengers were killed, and the other five, including Shkolnikov and his wife, were seriously injured. Shkolnikov had a Massachusetts automobile insurance policy issued by Metropolitan Property and Casualty Company ("Metropolitan") that provided a maximum of $300,000 of coverage per accident. Faced with...
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