Score v. American Family Mutual Insurance Co.

I respectfully dissent because I believe this insurance policy should be construed in Score’s favor.

First, the language of this policy connotes a coverage broader than the statute dictates. Generally, an insurer may offer more coverage than is required by statute. See Johnson v. American Family Mut. Ins. Co., 193 Ill.App.3d 794, 140 Ill.Dec. 783, 550 N.E.2d 668, 673 (1990) (“The policy can provide coverage broader than the statute” and “any conflict between the statute and policy ought to be resolved to the benefit of the insured.”); Travelers Ins. Cos. v. Chandler, 569 So.2d 1337, 1338…