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Russ, choppers right on this one. Simmons had to turn and cover inside out on the TE before the ball was ever handed off. That’s not guessing, that’s assignment. If he waited to see if it’s handed off and it’s a pass that TE is WIDE OPEN. There’s no chance for Simmons to get to him without dropping into coverage immediately.
He didn't drop into coverage he ran to the left across the LOS because the TE was still behind the LOS. If he had dropped into coverage he might have been able to get a tackle downfield.
Budda is over the top on that side so if the TE if he's open is behind the LOS with 3 DB's back there he's not running free wide open.
Teh whole problem IMO is he guessed, instead of looking to see who had the ball, he guessed it's a pass and took off running after the TE.
His assignment is if it's a pass cover the TE, if it's a run play the run. Because the TE didn't block he assumed it was a pass and took off.