James Hollander allegedly caused an accident by failing to obey a stop sign while driving Sandra Wendland in her Nissan Altima — seriously injuring Wendland, a second passenger and another motorist — and the three plaintiffs argued that Hollander, who died in the collision, qualified as an insured under a $1 million umbrella policy that State Farm Insurance Co. sold to Wendland.The key question of law in the lawsuit State Farm filed against the tort plaintiffs in Kendall County was whether Hollander is an …