Ms. Garcia worked as a caregiver and housekeeper and ran errands for her employer in a car owned by the employer's son-in-law. While she was driving the car, she hit a pedestrian, causing catastrophic injuries. That pedestrian sued Ms. Garcia, Ms. Garcia's employer and the car's owner in state court. Federal Insurance, which had issued a personal liability policy to Ms. Garcia's employer, settled on the employer's behalf but said Ms. Garcia was not covered under the policy. Ms. Garcia sued Federal Insurance in federal court, arguing she was covered under the policy. The U.S. District Court ruled that Ms. Garcia was not covered. She appealed to the 11th U.S. Circuit Court of Appeals, which then asked this Court to answer two questions about relevant Florida case law.