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Try CasePortal for FreeJ. Higginson finds the district court improperly granted class certification to the insured parties whose totaled vehicles’ actual cash values were appraised by the insurer using a valuation report other than the National Automobile Dealers Association or Kelley Blue Book. The insureds fail to show injury, and so fail to establish the insurer’s liability on a class-wide basis, failing to demonstrate entitlement to the NADA values. Reversed and remanded.
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