PUBLISH


                       IN THE UNITED STATES COURT OF APPEALS

                                FOR THE ELEVENTH CIRCUIT
                                                                              FILED
                                                                      U.S. COURT OF APPEALS
                                           No. 96-9328                  ELEVENTH CIRCUIT
                                                                               2/18/03
                                                                         THOMAS K. KAHN
                                  D. C. Docket No. 94-CV-103                 CLERK




       NATASHA N. PAYNE, by next friend, HARRIET C. GLEATON,

                                                                                Plaintiff-Appellee,


                                              versus



       SELECTIVE INSURANCE COMPANY,

                                                                             Defendant-Appellant.



                          Appeal from the United States District Court
                              for the Middle District of Georgia


                                        (August 6, 1998)


Before BLACK, Circuit Judge, HILL and HENDERSON, Senior Circuit Judges.


PER CURIAM:

       Plaintiff Natasha N. Payne brought this action against the Twiggs County School District

and several employees thereof seeking damages for an injury she suffered when she was attacked

by a fellow student on a county school bus. She subsequently amended her complaint to assert a

claim for direct contractual liability, pursuant to O.C.G.A. § 20-2-1090, against Selective
Insurance Company (“Selective”), which had issued a liability insurance policy to the school

district. Selective moved to dismiss the claim against it on the ground that its policy covered

only injuries which resulted from negligent operation of a school bus. The district court denied

that motion, but subsequently certified its order for immediate review 28 U.S.C. § 1292(b). This

court granted Selective’s petition for permission to appeal.

       In our earlier decision in this case, Payne by Gleaton v. Twiggs County School District,

(11th Cir. 1997), we concluded that the resolution of the issue in this case was not

dictated by clear and controlling precedent of the Georgia Supreme Court. Accordingly, we

certified the following question to the Supreme Court of Georgia:

            WHETHER O.C.G.A. § 20-2-1090, A STATUTE REQUIRING
       COUNTY SCHOOL BOARDS TO PURCHASE INSURANCE FOR THE
       PURPOSE OF INSURING SCHOOL CHILDREN RIDING SCHOOL BUSES
       TO AND FROM SCHOOL AGAINST BODILY INJURY RESULTING FROM
       AN ACCIDENT OR COLLISION IN WHICH SUCH BUSES ARE INVOLVED,
       ALLOWS A DIRECT ACTION AGAINST A SCHOOL BUS INSURER
       WHERE ONE STUDENT SUSTAINS AN INJURY RESULTING FROM AN
       ATTACK BY ANOTHER STUDENT ON THE SCHOOL BUS. THE
       INSURANCE POLICY IN QUESTION PROVIDES AS FOLLOWS:
                  “WE WILL PAY ALL SUMS AN ‘INSURED’ LEGALLY
            MUST PAY AS DAMAGES BECAUSE OF ’BODILY INJURY’
            OR ‘PROPERTY DAMAGE’ TO WHICH THIS INSURANCE
            APPLIES, CAUSED BY AN ‘ACCIDENT’ AND RESULTING
            FROM THE OWNERSHIP, MAINTENANCE OR USE OF A
            COVERED ‘AUTO.’”

Payne, 127 at 1410.

       The Georgia Supreme Court answered the certified question in the negative, holding that

the statute does not allow a direct action against a school bus insurer to recover damages for

injuries sustained solely due to one student physically attaching another student while on a

school bus. Payne v. Twiggs County School District, 

(Ga. 1998). Based on this

decision, we REVERSE the district court’s decision denying Selective’s motion to dismiss and

REMAND for entry of judgment in favor of Selective.




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