A woman injured in an automobile accident had sent a request to State Farm for lower insurance coverage before being struck by an underinsured motorist. But a federal judge ruled that since the request hadn’t been finalized at the time of the accident, she was still entitled to the higher UIM policy limit.

In a Feb. 18 decision, U.S. Magistrate Judge Timothy Rice of the Eastern District of Pennsylvania ruled that Eileen Gibson’s insurance policy entitled her to $750,000, which State Farm sought to avoid paying by arguing that, before the accident, Gibson had a request pending for a policy with a limit that was $400,000 lower.