Madison Mutual Insurance v. Universal Underwriters Group

PRESIDING JUSTICE CHAPMAN

delivered the opinion of the court:

Jason Dorris was driving a loaner car owned by Wood River Ford while his parents’ car was being serviced, and he was involved in an accident with Helen Nagy. Dorris is insured under his father’s automobile policy issued by Madison Mutual Insurance Company (Madison Mutual). Wood River Ford has coverage with Universal Underwriters Group (Universal). Madison Mutual sought a declaratory judgment of the rights and liabilities of the parties with respect to the insurance policies and a declaration that the Universal policy affords primary…