United States Court of Appeals For the Seventh Circuit ____________________ Nos. 22-2776 & 22-2858 HARTFORD ACCIDENT AND INDEMNITY CO., Plaintiff-Appellee/Cross-Appellant, v. ZHEN FENG LIN and LI CHEN, Defendants-Appellants/Cross-Appellees. ____________________

Appeals from the United States District Court for the Northern District of Illinois, Eastern Division. No. 1:20-cv-01415 — Matthew F. Kennelly, Judge. ____________________

ARGUED JUNE 1, 2023 — DECIDED APRIL 1, 2024 ____________________

Before EASTERBROOK, WOOD, and PRYOR, Circuit Judges. PRYOR, Circuit Judge. Zhen Feng Lin was in a car accident while working as a food delivery driver for Win Win Seafood Wholesale, LLC in 2017. Lin sustained serious injuries in the collision, but the at-fault driver, Katherine Chickey, was un- derinsured. Lin—along with his wife, Li Chen, who brought a loss of consortium claim—settled with Chickey in a state- court suit for her insurance policy limits of $100,000. Lin also rece