Jamey Parks was walking on Highway 101 north of Santa Barbara when he was struck by a passing motorist. He suffered serious injuries including a leg amputation. Parks was on the side of the freeway because his 16-year-old girlfriend, Michelle Miller, had left him there because Parks was drunk and belligerent. Parks sued Miller. At the time Miller lived with her grandmother, and her grandmother had a $100,000 Safeco condo policy which covered Miller for Parks’ claim. Miller sometimes stayed with her mother, who lived with Eddie Barnette. Barnette had a homeowner’s policy with Safeco. Unaware of the Safeco policy insuring her grandmother’s condo, Miller tendered her defense to Safeco under the Barnette policy. Safeco correctly denied coverage under this policy but did not disclose the existence of the grandmother’s policy to Miller. Parks obtained a $2 million judgment against Miller. Miller then discovered the grandmother’s Safeco policy. Safeco offered to pay the $100,000 policy limits, but Miller demanded payment of the full judgment. Is there coverage for the full judgment?