In a class-ation suit, Mr. Penzer sued Southeast Wireless for faxing unsolicited ads in violation of federal law. Southeast settled, stipulating to a $12 million judgment and assigning its right to seek insurance coverage from its insurer. Mr. Penzer sued the insurer to collect. The federal trial court ruled that Southeastâ€(TM)s policy did not cover this claim. Mr. Penzer appealed to the 11th U.S. Circuit Court of Appeals, which asked this Court if, under Florida law, Southeastâ€(TM)s policy provides coverage for blast-faxing in violation of federal law.