Bradley Baldwin, As Assignee of Tommi C. Hummel and Travor Hummel, et al. v. The Standard Fire Insurance Company, et al.

── Bradley Baldwin, As Assignee of Tommi C. Hummel and Travor Hummel, et al. v. The Standard Fire Insurance Company, et al. ── Case No.: 25S-CT-00033 Court: Indiana Supreme Court Date: October 21, 2025 Author: Justice Geoffrey Slaughter County of Origin: Marshall Category: Civil Decision: Affirmed Justice Rush, Justice Massa, and Justice Molter concur. Justice Goff concurs in part/dissents in part When insurance coverage is insufficient to satisfy multiple claimants, insurers face a dilemma. An insurer can seek individual settlements, but this approach risks exhausting policy limits before satisfying all claimants. Another option is to refrain from individual settlements in hopes of attaining a global settlement, but this approach may fail and expose the insured to increased personal liability.