Grinnell Select Insurance Company v. Martha Baker

EASTERBROOK, Circuit Judge.

Martha Baker sued Sheena George in Illinois court following an automobile accident; Baker contends that George was at fault. Sheena is insured under a policy issued to her parents Timothy and Rebecca George. The policy, underwritten by Grinnell Select Insurance Co., covered two of the Georges’ cars. The declarations page of the policy sets $100,000 as the per-person, per-accident maximum coverage. Grinnell has tendered $100,000 to Baker as the policy limit. Baker and the three Georges contend that Grinnell’s exposure is $200,000, not $100,000, because each of the…