The backstory, according to the filing, is straightforward. On February 8, 2022, Progressive’s insured, Gregory Oberting, rear-ended Lloyd McVey in Lantana, Florida, while driving a Porsche Panamera. Progressive sat on the primary auto policy with a $500,000 bodily injury limit. Hudson sat above it with a $1 million personal umbrella – a policy the complaint says was “specially written to be excess of the personal automobile liability coverage” provided by Progressive.
