In June of 2010, [Matt Fisher's] sister Katie was killed in a car accident. She had a green light and the other driver ran the red — fault was clear. The other driver’s insurance company settled with Katie’s estate immediately, but because the driver was underinsured, the payment was not much. Based on the Progressive policy Katie had purchased, Progressive was required to pay the difference.
Then they refused to pay. Then they defended the at-fault driver to avoid having to pay.