Keith Rhine

Illinois Supreme Court
6:30 am
Mon December 23, 2013

Insurance Company Must Defend Policyholder

Credit Brian Mackey/WUIS

The Illinois Supreme Court has put a limit on just who can be excluded from a car insurance policy.

Ana Reyes is being sued for allegedly hitting two people with her car — injuring a mother and killing the woman's four-year-old.

In the lawsuit that followed, Reyes’ insurance company argued it had no duty to defend Reyes or pay the victims.

Insurance company American Access listed Reyes as the policyholder, but it also excluded her from her own policy, and made another man the primary driver.

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