Tobin and other petitioners argue they are entitled to uninsured motorist coverage from Michigan Mutual. Tobin and the others filed federal lawsuits after three traffic crashes involving cars leased by Ford Motor Credit Corp. and a subsidiary. The plaintiffs argued they were covered by the policy that Michigan Mutual sold to Ford; the insurer and Ford argued that policy covered only Ford managers and retirees participating in an internal leasing program and did not extend to retail leases entered into by Tobin and the others. The federal judge agreed with the insurer and Michigan Mutual. Tobin and the other petitioners appealed to the 11th U.S. Circuit Court of Appeals, arguing they were covered by Michigan Mutual under Florida's uninsured motorist law. The federal appeals court has asked this Court whether Michigan Mutual has any liability to the plaintiffs.