(January 13, 2016, 11:05 AM EST) -- PHILADELPHIA — A business automobile insurer on Nov. 16 asked the Third Circuit U.S. Court of Appeals to reverse a lower federal court’s ruling that ordered it to pay $1 million in uninsured motorist (UM) benefits, arguing that less coverage is owed because the insured’s president signed a form designating only $35,000 in UM benefits (Stefan Freeth v. Zurich American Insurance Co., No. 15-2924, 3rd Cir.)....