Gilbert Gail Gerth was riding his lawnmower down a street when he was rear-ended by a pickup truck. The incident killed Gerth. At the time of the collision, the defendant pickup owner and driver, Gary Sachau, was insured under an automobile insurance policy with a $30,000 liability limit.
Gerth had an automobile insurance policy as well with an underinsured-motorist liability limit of $100,000 per person. In addition, Gerth had an umbrella insurance policy with Grinnell Select Insurance Co. with an underinsured-motorist liability limit of $1 million per accident.
Dawn Goldstein, the executor of the estate for Gilbert Gerth, settled the claim against Sachau for $30,000, and her underinsured claim against Hartford for $100,000 minus $30,000 recovered from the settlement with Sachau.