United States Court of Appeals For the Seventh Circuit ____________________ No. 23-1299 MARIA JIMENEZ and JOSE JIMENEZ, Plaintiffs-Appellants, v. STEPHEN KIEFER, Defendant,

and TRAVELERS COMMERCIAL INSURANCE COMPANY, Appellee. ____________________

Appeal from the United States District Court for the Northern District of Illinois, Eastern Division. No. 1:22-cv-02924 — Elaine E. Bucklo, Judge. ____________________

ARGUED NOVEMBER 30, 2023 — DECIDED MAY 7, 2024 ____________________

Before HAMILTON, KIRSCH, and PRYOR, Circuit Judges. KIRSCH, Circuit Judge. Stephen Kiefer was in an auto acci- dent with a bus in which Maria Jimenez was riding. Not long after, Mrs. Jimenez, through counsel, requested $100,000 from Kiefer’s auto insurer, Travelers Commercial Insurance 2