Randall L. Schmitt v. American Family Mutual Insurance Company

EASTERBROOK, Circuit Judge.

Indiana requires the underwriter of any “motor vehicle liability policy” to provide coverage for accidents caused by uninsured or underinsured motorists, unless the insured declines that coverage in writing. IC § 27-7-5-2. Randall Schmitt purchased two policies that provide indemnity for auto accidents. The primary policy included $100,000 of uninsured or underinsured motorist coverage. The secondary policy — an umbrella policy for all accidents (auto, home, and other) that expose Schmitt to liability — had a limit of $1 million but did not cover uninsured or…