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 Southeast'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, Southeast's policy provides coverage for blast-faxing in violation of federal law.