440 F.3d 940 Marva Jean SAUNDERS, et al., Plaintiffs-Appellants,v.FARMERS INSURANCE EXCHANGE, et al., Defendants-Appellees.Marva Jean Saunders, et al., Plaintiffs-Appellants,v.American Family Mutual Insurance Company, Defendant-Appellee.Coleman McClain, et al., Plaintiffs-Appellants,v.Shelter General Insurance Company, et al., Defendants-Appellees. No. 05-2225. No. 05-2228. No. 05-2231. United States Court of Appeals, Eighth Circuit. Submitted: September 16, 2005. Filed: March 8, 2006. […]