Stern v. THE CINCINNATI INS. CO.

*309The United States Court of Appeals for the Fourth Circuit entered an order of certification requesting that we exercise our certification jurisdiction, Va. Const. art. VI, § 1; Rule 5:42, and answer two questions of law involving a dispute regarding insurance coverage. By order entered June 11, 1996, we accepted the questions for consideration.

I

Elena Seroka Stem and her parents (collectively, the Stems) filed a declaratory judgment proceeding against The Cincinnati Insurance Company (Cincinnati), State Farm Mutual Automobile Insurance Company (State Farm), and Graphic Arts Mutual Insurance…