The opinion in Geist v. State Farm Mutual Automobile Insurance, 49 F. 4th 861 (3rd Cir. Sept. 29, 2022), was authored by Chief Judge Marjorie Rendell of the U.S. Court of Appeals for the Third Circuit. Miranda Geist was injured in an automobile collision. After settling a tort claim against the driver and discovering that the driver's insurance coverage could not fully compensate her for her injuries, she sought to recover underinsured motorist (UIM) benefits under a personal automobile insurance policy issued to her parents, Kevin and Karen Iwasaki (the policy).