Robert Wehrle v. Cincinnati Insurance Company

TINDER, Circuit Judge.

When Heike Wehrle and Robert Wehrle were severely injured in an auto accident with a drunk-driver carrying minimal insurance, they contacted their own insurance company, Cincinnati Insurance Company (Cincinnati), invoking the underinsured-motorist provision of their policy. Cincinnati paid them the difference between their $1 million coverage limit (their combined injuries exceeded this amount) and the $200,000 that they had received from the at-fault driver’s insurer. The Wehrles sued, claiming that they were owed the full $1 million. The district court granted…