(certified question from federal court on whether duty to defend suit against organ donation charity existed; daughter of deceased woman sued organ donation charity in federal court for emotional distress caused by charity’s misrepresentation that it would not profit from donation of mother’s organs; court held emotional distress claim absent physical injury did not fall within policy coverage for personal injury; court also held that neither next of kin nor estate have property rights in tissues of deceased person under Anatomical Gift Act; court held without property rights, no loss of use of tangible property as defined by policy existed; no coverage under policy for claims made by plaintiff, so insurance company has no duty to defend suit).