SMITH, Circuit Judge.
Gale and Shelene Halvorson ("the Halvorsons") filed a class action complaint against their automobile insurance company, Auto-Owners Insurance Company ("Auto-Owners") and its subsidiary, Owners Corporation, for breach of contract and bad faith. The Halvorsons sought to certify a class of all persons covered by Auto-Owners's medpay or personal injury protection (PIP) coverage under policies issued in North Dakota and Minnesota. More specifically...
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