Kuhn v. Owners Insurance Company

In an insurance coverage matter, the Illinois Supreme Court considered whether the liability limits for each of seven covered vehicles in a single multi-vehicle insurance policy could be aggregated or “stacked” for liability coverage of a single accident despite the presence of anti-stacking language in the applicable policy. The trial court found that the liability limits were subject to stacking and the appellate court reversed. The supreme court affirmed the opinion of the appellate court, explaining that the language of the insurance policy was subject to only one reasonable interpretation and that it prohibited stacking the liability limits of each insured vehicle. (THEIS, NEVILLE, OVERSTREET, HOLDER WHITE, CUNNINGHAM, and O’BRIEN, concurring)