Anna Rubin v. State Farm Mutual Automobile Insurance Company

OPINION

HUG, Circuit Judge:

This appeal involves a question of Nevada state law upon which there was no clear precedent, and which was an essential determinant of this appeal. We certified two questions to the Nevada Supreme Court, which accepted the certification and rendered its decision.

Background

The background of the case is set forth in the order of certification (222 F.3d 750), which we repeat here for clarity of this opinion.

On February 15, • 1994, appellant Anna Marie Rubin was injured in an automobile accident while picking up supplies for her business. Because the accident occurred in…