Golden v. State Farm Mutual Automobile Insurance

ROVNER, Circuit Judge.

Cindy Golden brought this purported class action suit against her auto insurer State Farm Mutual Automobile Insurance Company (“State Farm”). Golden attacks State Farm’s practice of using its own in-house attorneys to defend its insureds against third-party claims, alleging that State Farm owes its insureds a duty to explain in its policies that such house counsel may be used. Golden’s policy (attached to her complaint) provides that in the event of an accident, State Farm will pay “attorney fees for attorneys chosen by us to defend an insured who is sued” (emphasis in…