Dolores Trujillo was a passenger in Adan Delgado’s car when it collided with a vehicle driven by Marta Zawadska.
Allstate Property & Casualty Insurance Co. — which covered Delgado under an auto policy that had per person limits of $100,000 for both its liability and underinsured motorist, or UDIM, coverages — paid $100,000 to Trujillo on her third-party claim. And Trujillo received the per person policy limit of $20,000 from Zawadska’s insurer, American Access Insurance Co.
Then Trujillo, …