Heike Wehrle and Robert Wehrle were severely injured in an auto crash with a drunk driver who had minimal insurance coverage. The Wehrles had an underinsured motorist insurance policy with Cincinnati Insurance Co. that paid the difference between their $1 million coverage limit and the $200,000 that they received from the at-fault driver.
The Wehrles sued Cincinnati claiming that they were entitled to the full $1 million of underinsurance rather than $800,000, which was the difference between the $1 million provided by Cincinnati and the $200,000 provided by the insurance company for the tortfeasor drunk driver.
The Wehrles were driving their sport-utility vehicle in Kane County, Ill., in December 2010. They were hit by a drunk driver, Eric Barth. The Wehrles were severely injured and their medical expenses and damages far exceeded the policy limits of either Barth’s insurance or their own underinsurance policy.