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Certiorari Denied, No. 31,448. January 5, 2009
IN THE COURT OF APPEALS OF THE STATE OF NEW MEXICO Opinion Number: 2009-NMCA-011 Filing Date: November 14, 2008 Docket No. 27,382 ROXANNE MARTINEZ, ORLANDO

SENA, CHARLIE JIMENEZ, JR., ADAN CARRIAGA, and CHRISTA OKON, Plaintiffs-Appellants,
v. JOSE CORNEJO,
Defendant-Appellee. and NO. 27, 383 RAMON GALLEGOS,

Plaintiff-Appellant,
v. ALLSTATE INSURANCE COMPANY, Defendant-Appellee.

APPEAL FROM THE DISTRICT COURT OF SANTA FE COUNTY Barbara J. Vigil, District Judge
Berardinelli Law Firm, L.L.C. David J. Berardinelli Santa Fe, NM
for Appellants Modrall, Sperling, Roehl, Harris & Sisk, P.A. Lisa Ma nn Jennifer A. Noya Albuquerque, NM
Steptoe & Johnson L.L.P. Bennett Evan Cooper Phoenix, AZ
for Appellees

OPINION
FRY, Judge.
{1} In this case, we resolve two questions that require us to interpret the Trade Practices and Frauds Act (the TPFA) of the Insurance Code, NMSA 1978,

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New Mexico Law