Peerless Indemnity Insurance C v. Frost

LIPEZ, Circuit Judge.

Dr. Robbin Frost, a licensed podiatrist, was driving alone in her husband’s Pontiac Bonneville when she was severely injured in a collision caused by an underinsured motorist. So far, she has collected $250,000 in insurance proceeds; she seeks further payment from Peerless Indemnity Insurance Co. and Peerless Insurance Co. (together, “Peerless”), who issued business owner’s and excess/umbrella policies to Frost’s podiatric practice, Lake Region Family Foot and Ankle Center, P.A. (“Lake Region”). Peerless sued in federal district court for a declaratory judgment that it…